davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I came to the consumer complain And about this issue, before the bank said they had it result, in a couple of items the bank replied that they had it under resolve, they said that they was returning my money, 1 for a car two cars that I have purchased return, 1 for {$2200.00}, and another for XXXX, recording a purchase from XXXX in return. They gave me back {$1000.00}, still remaining balance of the {$500.00} I did not receive. But the bank said that they had it results. They asked me for other documents. But never returned the money. Up on the car for {$2200.00}. Document I gave them to him. And they close the case. Never letting the merchant the car dealer do his job. This was supposed to been a return item. Upon a return item a car dealer is going to pick up his car repos his car. The bank consistently held onto my money. And close the dispute. This was Bank of America. In another case of a dispute. At a hotel. They're supposed to give me a return. Do banks still have not returned that money. They sent me a letter of apology. And that they was returning the money. I still have not received that credit.
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// AMERICOLLECT IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I went to check the status of my student loans managed by Mohela on XXXX and noticed that one of my loans was showing a passed due amount. I am on the SAVE plan so my loans were placed in a mandatory forbearance in XXXX due to litigation. My loans were current through XXXX before the forbearance began and Mohela provided notice that interest would not be charged on my loans during this time in addition to not having to make payments. I emailed Mohela via their internal messaging system to try and understand what was happening and received a response that says interest can be charged during the 60 day processing forbearance. This seems to conflict with the letter I received in XXXX stating that I would not be charged interest during the forbearance. Additionally, the email response did not address why there was a past due amount showing on my account at all. 

Unsatisfied I called Mohela to discuss my account. After waiting for roughly an hour I was able to speak to a representative who told me there was nothing they could do about the charge on my account. I asked why it was there and was told it was because the Education Department ( ED ) had frozen all loans. I asked for a breakdown of the charge, including when it was applied, and was told they could not provide that for me. I was told ED would " take care of it. '' I asked what this meant and was told ED would handle my loans when litigation was finished with no clear definition for what this meant. I received no explanation for what the charges on my account are from or why there is currently interest showing up on my loans ( per the student aid website dashboard ). I intend to follow up with Mohela next week to try and get written documentation that the amounts overdue will be cleared from my account and that I was not late on payments, however, Mohela has been very inconsistent in handling my loans so I do not expect I will get any documentation. It took over a year for Mohela to remove a double count of my loans from their system while I was transferring to the SAVE program and I was never able to get written confirmation that they were in error for that blunder. 

Additionally, I submitted a complaint for this case ( and the previous one about my loans being double-counted ) to ED to ensure it is logged somewhere and could possibly be helpful to somebody.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

When I received my XXXX statement it stated that I was one month behind in my mortgage. The problem with this is that I have my mortgage payment taken out of my bank account every XXXX of the month. I called Fay Servicing and customer service told me I was current. I receive another statement stating the same thing and I sent it to my service provider Mr. XXXX XXXX. I sent an email on XX/XX/2020 and I never received a response. Today I received a statement saying I owe {$5600.00}, but on the back of the statement it shows that I paid XXXX in the amount of {$2800.00}. This statement is dated XX/XX/2020. 

I tried to call Fay Servicing 6 times and was disconnected each time after holding for over 15 minutes each time. 
Although Fay Servicing says I'm current I keep receiving notices saying I am behind. Since Fay Servicing has refused to speak with me and rectify this matter I have no choice but to reach out to CFPB and pray that you can assist in resolving this issue.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX I called XXXX to inform them I will not be able to make a payment due to my office being closed as a result of the Covid-19 crisis. I asked to defer the payment & the agent informed me they are not able to do so. He stated for me to call after my account is delinquent for assistance. My payment was due on XX/XX/2020 and I did not make the payment. On XX/XX/2020 I received a call from the agency asking for the payment. I informed them I am still furloughed & again asked to defer the payment. Again I was denied. Today I received a call from their agent again asking for payment. I informed the agent I still have not returned to work & I am unsure of when I will be able to pay. The agent then asked me what is the status of my stimulus check. I did not have to but I informed her I received it but used it to pay my rent so my children & I could have a safe place to stay. The agent then responded by saying she guesses I do not need the car because it will be reposed due to none payment. 
The Covid-19 crisis is affecting the world and I am doing my best and I have tried my best to get the agency to assist me but they have not and now I am being threatened with my car being repossessed. I was under the impression that the banks/loaning agencies were supposed to work with us because of this crisis. Please assist me in resolving this issue. I do not want to get my car for free I just want the payment for XXXX and XXXX to be deferred for now.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AR)

Nelnet reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

This letter is being sent to you in response to notices sent to / from me from the Dept of Edu / Navient and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim has been disputed and validation was requested.

I have asked the Dept of Edu/ Navient to please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they said I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I also informed Navient that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX , XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to  this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against them for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Navient provided the following documentation : A statement summary of my account 4 Master Promissory Notes that DO NOT have my signature on them Since reaching out to Navient, action was taken which has been detrimental to all 3 of my credit reports, and I am consulting with my legal counsel for suit. The information provided by Dept of Edu / Navient includes information that is inaccurate and invalidated, but the credit bureaus have been verifying these accounts as accurate, when in fact there is no provided proof that it is accurate.

The company Dept of Edu/ Navient has failed to respond to this validation request and the information provided in the Master Promissory Note must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting b
ureaus : XXXX , XXXX  and XXXX } should be sent to me immediately.

I have also disputed this information with the 3 credit bureaus as inaccurate, and they have come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt!
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/2022 i was trying to used my card to make a transaction and my card didnt work it was saying that the chip of the card was wrong so i call the company to send me a new one and they did but it was doing the same problem and plus wellsfargo used to lock my account so i end up closing my account
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. On today, XX/XX/2019, I originally had called to dispute a charge. 

2. The charge was for {$10.00} from " XXXX '' posted XXXX XXXX, 2019. 

3. I stated that I purchased a meal from XXXX specifically for dine-in, and I received the meal on a tray. However, due to an altercation between the store staff and an irate customer from the drive-thru who came into the store, causing me to fear for my safety, that I left the store before being able to eat my meal. 

4. XXXX, supervisor, ID XXXX, stated that she was going to categorize the dispute as a " service dispute '' because I was " unhappy with the service '' and " unhappy with the altercation. '' 5. This downplayed the seriousness of the situation and was offensive to me. 

6. I asked to speak with XXXX 's supervisor and at first she refused starting she was a supervisor. Then she let me speak with her supervisor, XXXX. 

7. XXXX did not change the categorization of the dispute. I disagree with the categorization and argue that the dispute should have been categorized as " merchandise not received. '' Seeing as how I ordered, and was charged for, a dine-in meal. Having a space restaurant environment in which to dine is part of the merchandise. If the building was on fire and I left for that reason, which is also a safety reason, would you still say I was unhappy with the service, or unhappy with the fire? Shame on y'all., 8. No provisional credit has been issued by Bank of America to date. 

9. I requested to close my checking account by phone. 

10. XXXX, Mgr., XXXX XXXX refused to close the acct. stating it could not be closed because of three pending disputes, including the one that had just been filed. 

11. I asked that any and all monthly fees be waived until such time that I can close the acct., seeing as how I have requested the acct. to be closed and it is the company that refused to do so. I shouldn't essentially be held hostage as a customer and then forced to pay fees for an acct. I requested to close.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

On XX/XX/2019 I received a letter from Bridgecrest about the status of my account # XXXX. Bridgecrest states that the status of the account is " Bankruptcy Chapter XXXX Discharged ''. After checking my credit report, the account dos not show as Chapter XXXX discharged, which leads me to the assumption that Bridgecrest did not report it to the Creditbureaus as such. They also state that my interest rate is 8.859 % annual, but I think the interest rate was raised significantly by Bridgecrest. We agreed that I can keep the vehicle, even if Bridgecrest denied a reaffirmation during my bankruptcy several times.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Hi yes Ive had this card for about one year. They gave me a limit of XXXX. For the first time in 8 years I was out of town and forgot to make a payment. I called them right away and said I knew I was late but I was going to make the payment tomorrow. Just needed to set up my new checking account information with them. So I just use my old account to make the payment which was XXXX plus the late fee that they decided to charge anyways even though I made a phone call to them. So instead of paying the XXXX I made a XXXX payment instead and also made another XXXX payment 3 days after the first payment. to just pay it down some. Its XXXX the balance and I paid XXXX should be XXXX but some how its XXXX still. And they also made a report stating that on XXXX XXXX. That I increased my balance for XXXX not that I made XXXX in payments! And they also reduced my credit limit line from XXXX to XXXX with just one email saying that they decided that should be done. After making XXXX in payments and only having XXXX due. Unbelievable!! They said I increased the balance and never stated I made the two payments. Now reading al these reviews about them. Im horrified
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CFW Holdings LLC (TX)

I have copied communication this company has sent me over time, but does not include the multiple calls from different numbers using a robo dialer. As you read you get a feeling that they are trying to coerce me and threatening with legal action. I was able to call the company today Wednesday, XX/XX/2019 at XXXX XXXX. Spoke to XXXX a text XXXX and still offered a settlement. 



Thursday, XX/XX/2019. XXXX XXXX Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 

Thursday, XX/XX/2019 XXXX XXXX CFW- A payment hasn't been applied to your account for more than 30 days. You have an outstanding balance of {$1400.00}. To avoid further collection activity, an arrangement must be set. We offer a hardship program which lowers your current payments. Text " HARDSHIP '' if you are in need of financial assistance. 


Monday, XX/XX/2019 XXXX XXXX  Want freedom from this loan? At this time we are offering to settle your debt for 40 % ( {$480.00} ) of your outstanding contract balance ( {$1200.00} ). To take advantage of this offer. text " SETTLE '' and we'll get you enrolled in our LAST CHANCE program today. 


XXXX  XX/XX/2019 XXXX XXXX  CFW-Final Warning! Your account has remained in our office for the max allotted time! You have 72 business hours to enroll in our LAST CHANCE program. The final amount listed on the LEGAL claim will be $ {$1400.00} +court costs+attorney fees as permitted by your contract. Text " ENROLL '' to start saving. 


Wednesday XX/XX/2019 XXXX XXXX WARNING! XXXX XXXX, Your loan is in default and is being prepared for LITIGATION. You will be responsible for your BALANCE OF {$1400.00} + court costs + attorney fees as set forth in your contract. To avoid action, please contact our office NOW @ XXXX XXXX XXXX so we can assist you. CASH FOR WHATEVER.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

My credit report shows the following depts from first fed credit control : XX/XX/2017 {$1100.00} XX/XX/2017 {$800.00} XX/XX/2017 {$420.00} XX/XX/2017 {$1100.00} These debts do not belong to me.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NJ XXXX DOB XXXX SS XXXX I requested kindly that XXXX   provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXXI demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX  Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX  company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX  to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.