davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-19
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I purchased a rifle from XXXX, an online store based in XXXX Virginia and owned by XXXX. I paid {$1600.00} via Wells Fargo XXXX, a wire service, to XXXX on XX/XX/XXXX. XXXX is registered to XXXX XXXX XXXX VA XXXX XXXX. I called or emailed every few weeks since I ordered it and was told it was on back order and would ship when it came in stock. To date, I have not received my order. When I checked on my order on XX/XX/XXXX, I found out the website is down and the phone number is out of service. I paid using Wells Fargo XXXX which is a wire transfer service. I have no way of requesting a refund and think this was a scam to fleece people across state lines. When I look up the google reviews now there are XXXX posting of other people that he stole money from as well. I am sure there are others. XXXX is also listed online as XXXX XXXX was also the creator of LendingShares which became XXXX shares. This company was a crowdfunding platform that existed without XXXX oversight and existed for 3 years before becoming defunct. I believe that XXXX is a serial scam XXXX who creates companies and bilks consumers and investors out of money, then closes the company and eliminates all means of contact. 

The website was : XXXX The Secretary of State Filing can be found here : https : XXXX The Test Store Website is still up with last contact information and a photo of XXXX can be found here XXXX XXXX/ XXXX Facebook page can be found here : XXXX : //www.facebook.com/profile.php? XXXX The owner of the business address is XXXX his phone number is : XXXX. They said he has vacated the premises, but still stops in weekly to pick up mail. XXXX most recent phone number they have on file is XXXX. 

Whitepages lists the home address for XXXX as : XXXX XXXX 
XXXX VA, XXXX The owner of the home address is XXXX XXXX XXXX FL XXXX Police Report Filed XX/XX/XXXX XXXX XXXX Police Department XXXX # XXXX XXXX Police Report Filed XX/XX/XXXX XXXX Police Department XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2017-03-18
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc. (CT)

This is a XXXX bill from at least 2 years ago. Comenity Capital Bank started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax has reinserted XXXX after they deleted it on XX/XX/2017. I have never received any notice of the account be reinserted ( requirement of FCRA section 610 ) ... they are violating the law & I need this account removed AT ONCE!!!
Consumer complaint received 2017-03-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This company has repeated attempted to collect a debt that is not mine. It has been disputed, when they are unable to provide documentation, they remove this from my credit report. Then a week later, they add it back on to my report, with no additional information. It has also come to my attention that they are not legally authorized to collection debts in my state of residence.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.
Consumer complaint received 2017-03-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

I am filing this complaint because Equifax has not verified an account that they nonetheless continue to report incorrect activity on. I disputed the account well over 30 days ago and they can not verify the account, so under Section 611 ( 5 ) ( A ) of the FCRA : they are required to " promptly delete all information that can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (WI)

Before I was educated on FAFSA. I was made to believe that my only option for school financing was private student loans. I went ahead and applied for a Student Loan with Wells Fargo. I am newly Graduated and finally got my first job. Of course being newly graduated and not having much experience my salary isnt as high as i would like it to be, once again due to lack of expereince. I am unable to pay the full amount of my Private student Loan. I have reached out multiple times to Wells Fargo to speak about options i have to relive me from some of this financial burden and they were not very helpful at all in wanting to help me. I can not afford the monthly payments they are requiring me to make and I often have to decide which bills to pay and not pay on a month to month basis because the weight of the financial burden is to heavy. 

I also herd that if I had a private student loan but was eligibale for a federal that i was able to convert this private loan into a federal student loan. I dont know how true that is or not. All i know is that I have tried to contract Wells Fargo multiple times about coming up with a repayment plan that would work for both of us and they are not working with me at all. If i am late on payments ( After i told them i was unable to pay full amount ) they start to call and harass me non stop to my cell phone and my parents work phone numbers. 

I am trying to take care of my responsibilities but they make it very difficult for me. I feel like I am drowning. Please Please help me
Consumer complaint received 2016-04-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Car lot took XXXX of my vehicles in on trade towards XXXX I was purchasing. We had discussed using Credit Acceptance to finance the balance but on the day of delivery, I paid off the balance in cash instead of financing. The car lot never listed my trade in on the contract but did list the cash down payment while still putting the loan into processing to receive that money as well. Now I am being billed for money that I did n't use or borrow. I am attaching a copy of the title that was released to me showing no security interests which would n't have been the case had I financed any money on this BMW.
Consumer complaint received 2017-03-18
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

these company is trying to collect a debt that is 12 years old. It was a lease return in XXXX to XXXX XXXX. They sent me a bill I refused to pay. XXXX charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XXXX XXXX and XXXX was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XXXX XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really XXXX should concern them self with the destruction on innocent people on the XXXX airbag issue.
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (NY)

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Consumer complaint received 2024-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

In XX/XX/year> my student loan went back into repayment with MOHELA. Over the course of the last 8 months, I have made regular attempts to make monthly payments towards my loan installments and to set up Auto Pay. Each time, the system issues a " payment reversal '' with no explanation and de-initiates my auto pay being turned on. Each time I have called customer service waiting usually at least an hour to speak to someone and they tell me I must have entered my account information wrong ( for 8 months in a row? I don't think so! ) and the customer service agent tells me they can accept a one time phone payment and help me set up auto pay again. Each time I do this, within a week I get an email stating " payment reversal '' and the auto pay turned off with no explanation. Essentially, I am unable to pay my loan because of some type of system error or their system is broken. I do not have endless time to dedicate to this. I also issued a complaint on their online system and detailing the issue and their response simply said to call customer service. I read on reddit that several other people are experiencing this exact issue with MOHELA and many people suggested to file a complaint with you.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I havent received a credit report from XXXX. Experian has responded. They are working with me diligently to get this problem solved. I dont believe their upload system is working properly. So I am going to submit the information here. I tried three times to submit the information on their website.
Consumer complaint received 2017-03-18
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP (TX)

these company is trying to collect a debt that is 12 years old. It was a lease return in XX/XX/XXXX to Honda Finance. They sent me a bill I refused to pay. Honda charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XX/XX/XXXX and Honda was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XX/XX/XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really Honda should concern them self with the destruction on innocent people on the XXXX airbag issue.
Consumer complaint received 2017-03-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Services keeps calling me with different phone numbers. I have no standing unpaid debts in the past 7 years so I do n't know why they keep doing this. There are all these different numbers in the past few weeks. Is this even legal? I understand they have bought information about me from somewhere. How can I get them to stop?!
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc. (CA)

I have a Total Rewards card serviced by XXXX. Over the two years I 've held the card, I 've had to contact them at least three times to reverse late fees because I did not receive an email notice of payment due, even though I 've been on paperless billing and should be getting those emails. Their representatives always assure me that the notices will be sent, but they never are. It 's been a full week now and the most recent late fee and finance charge is still showing on my account. I never knowingly leave balances on my credit card accounts. Due to the problems with XXXX, I 've purposely avoided using this one ( no voluntary use since XXXX 2016 ), but there was an automatic subscription renewal charged to it in XXXX, which I did n't discover until I went to search old statements for something unrelated.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I just read an article in XXXX about Navient telling customers their only option is forbearance instead of an income based repayment plan. That is exactly what happened to me. For OVER three years, I was told there was only a forbearance option for my loans. That is over three years of interest that was needlessly incurred without any debt reduction. I am furious that I was not told about any other payment plans. I was told I could pay a high monthly amount or go into forbearance. I chose forbearance, because my XXXX XXXX husband and I could not afford the high monthly rate on his income. I was unable to work due to our continuous military moves, our baby, and his XXXX. I am now in XXXX school and when all is said and done, will owe over {$120000.00} in student loan debt. That means, I will have to use my ENTIRE salary to pay an astronomical payment just to pay off these loans that were supposed to help our family improve our quality of life. I will have to work for 5+ years just to pay back all of this debt, some of which was unnecessarily incurred due to Navient 's blatant lie about one high repayment option or forbearance.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not sure if this is the right category for my complaint. I have contacted all XXXX credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on Trans Union and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from XXXX % to XXXX % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! Trans Union told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I have asked several times about the Obama repayment loan and I have though I was already placed in it. However I have not been helped by my loan servicer they just continue to give me the same rates and put me in their plans that increase my loan by a crazy amounts every year.I have tried to get into the Repaye or Paye and I have had not luck with help from my loan serivcerr. It seems like they do n't care. I have asked to be put another program where I can pay my loans down increase what I pay towards other loans but they just advice me otherwise but I have bills that could have been paid of years ago if they would work with me now XXXX is XXXX. I have been XXXX for 5 years and I have had no help with my loan servicer. I asked them 5 years ago about this plan but they just told me I had to wait 5 years. Come to find out I should have been put in the 10 year program so I can have a better rate and get forgiven after 10 years I have waisted 5 years and I am angry with both Navient and NELNET. I have teacher loan forgiveness for XXXX in like only a penny in a well drop for my loans.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

I want to read my monthly statements from Navient, but they refuse to send me paper statements, and I find the Navient website to be extremely unhelpful. They pretend to provide monthly statements in digital format but both formats are bad. When I click on " PDF '' I get a .do file which can not be opened on a XXXX computer. When I click on " IMG '' I get a PNG file which puts 3 pages into one miniscule PNG file. When I launch XXXX and place the PNG file, and spend 10 minutes cropping, resizing, and copying and cropping and resizing, I get a 3-page document - the content is blurry. In short, there is no way to get a printed statement, no way to get a digital statement, and no way to talk to a human being, at least on the weekend. I can only work on this on the weekend because I have a day job which does not give me time during XXXX business hours. 
Additionally, when I click on a button on the Navient website, inviting me to " take a survey '', I am directed to a promotional video in which Navient brags about how great they are, which is the opposite of the truth. I wonder if Navient is deliberately making it hard for borrowers to get information ( about their OWN account ) as a way to cover up unscrupulous behavior : inaccurate record-keeping, overcharging, etc. I believe this company should be dissolved and all of their accounts should be transferred to an honest, non-profit, publicly owned loan servicer.
Consumer complaint received 2017-03-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I received a title loan with 800 Loan Mart in or around XXXX XXXX. I defaulted on the loan XXXX XXXX because the car was not working and I was paying for one repair after another to no avail. I called and emailed 800 Loan Mart hoping to work out payments apart from the contract to no avail. 800 Loan Mart sold picked up the car then sold it at auction during which time 800 Loan Mart has claimed more than 3 times the original loan amount often reporting under multiple different names as collection and/or open credit at the same time, siting the account under multiple different terms along with different account numbers and/or history and payments. I believer their business practices a damaging my name. Please look into their billing and accounting practices along with their reporting practices to the major credit bureaus.
Consumer complaint received 2017-03-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit International Corporation (PA)

My company ordered products for another company which was using stolen credit cards. I did everything in my power to identify this company as a legitimate company. XXXX ( My credit card processing company allowed transactions to go thru even though the company name on the credit card did not match who actually owned the credit card. There practices allowed this fraud scheme to work.