davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (WI)

In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2019-04-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (TX)

I have been receiving phone call from a company that is called XXXX XXXX XXXX also know as XXXX XXXX XXXX XXXX. They have been calling from XXXX. The phone calls started in XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was XXXX XXXX XXXX XXXX. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to Wells Fargo for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.
Consumer complaint received 2019-03-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MA)

In the Fall of XX/XX/2005 I was attending the XXXX XXXX of New York. I became ill shortly after the semester began ( approximately two weeks ) and was taken to a hospital in XXXX. The doctors informed me I must return home and rest for two weeks then I could return to classes. I notified The XXXX XXXX immediately and returned home to XXXX to recuperate. The first week I was home I received a phone call from the school informing me I could not return to classes as I would be missing too much class work. I offered to do my school work at home but was denied this opportunity. I asked for my loan disbursement of {$6000.00} be returned to Navient ( then Sallie Mae ) and I was told to contact Navient which I did. They stated they could not help me and that the school had to return the funds. Neither XXXX XXXX XXXX nor Navient was willing to help me. My official transcript states I withdrew from all my courses but does not state I was forced to withdraw due to illness. 


Over the years I have made calls to Navient to help me with this loan. Also I was never given the opportunity to use this loan for my continuing education back in Massachusetts the following semester. I was told to contact the school but unfortunately the XXXX XXXX is now defunct. I contacted the parent company of XXXX, XXXX XXXX XXXX XXXX, and again I was told the decision was up to Navient. 


My request for Navient is I want this loan discharged as I did not use this money for my education. 

PLEASE DO NOT TELL ME TO CONTACT THE XXXX XXXX AS THEY HAVE TOLD ME TO CONTACT NAVIENT. 

ALL BUT THIS ONE LOAN WITH NAVIENT HAS BEEN PAID OFF BY ME. ALSO, MY PAYMENT HISTORY WITH NAVIENT IS IMPECCABLE!
Consumer complaint received 2019-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on Equifax and XXXX  credit reports. Since the previous dispute found on complaint reference # XXXX to XXXX  and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX . XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both EQUIFAX and XXXX  to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX  is reporting with 7 of these 8 creditors.
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Cadence Bank (AR)

BancorpSouth is denying refund of {$2500.00}. 
Due to the impersonation of an XXXX customer assistant telling XXXX XXXX that he must transfer funds from his BancorpSouth accounts to XXXX, he did so but when this criminal said he must have a copy of XXXX drivers license, XXXX told him this must be a scam and the bank will be notified then XXXX disconnected the phone. 
XXXX immediately called the BancorpSouth info line to report the scam : He reported what had taken place and the BancorpSouth person said the funds were still there and that the same thing had happened to her and that her money was recovered. 
When XXXX followed up in person with the bank the next business day which was a Monday, the bank said the funds were gone and they had him give an affidavit to a bank rep by phone. 
The bank has denied the claim of fraud stating that XXXX gave his permission to transfer funds to zell. The XXXX impersonator repeatedly told XXXX that this method of transfer was required in order for him to do business on XXXX.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I paid my citibank AAdvantage card {$6000.00}. 
On XX/XX/XXXX I made another payment in the amount of {$6000.00} incorrectly when I meant to pay off the remaining balance resulting in an overpayment. 
On XX/XX/XXXX I overpaid an additional {$9000.00} because I have XXXX citicards linked to XXXX account and made all 3 payments to the same card. 

After I made the first overpayment on XX/XX/XXXX payments I called my bank ( XXXX XXXX ) as soon as their customer service was open to issue a stop payment but it had already been processed. I called citicard right after to ask them to not accept the extra payment and they said that it wouldn't be a problem. 

On XX/XX/XXXX after my second overpayment I called Citibank again and asked for a refund of the overpaid balance to my checking account they said it wouldn't be a problem. 

On XX/XX/XXXX I called again because the refund hadn't been issued and this time they said they needed to check with their hold department to release the funds. 

XX/XX/XXXX, I called again for a followup but they said they needed to contact XXXX XXXX. At the time it was closed so they said they would call at a later time. 

On XX/XX/XXXX I called them and we had a XXXX person conversation that included XXXX XXXX, Citicard, and myself. They worked everything out and said the refund would be on the way. 

On XX/XX/XXXX citicard backtracked and said they needed to contact another department that held the funds to release it. I contacted the other department, they said they would release the funds. I contacted customer support again and they said everything was ok and the refund would be on its way by wire. 

On XX/XX/XXXX the funds had not arrived and I contacted them again. We had another conversation with Citicard, XXXX XXXX, and myself again. Citicard said they had to contact the hold department again. Also this time citicard representative asked personal questions unrelated to the 2 overpayment transactions. 

The credit card company has taken more than 2 weeks and has still not resolved my request for refund for overpayment.
Consumer complaint received 2022-08-27
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (OH)

In 2007 XXXX XXXXXXXX XXXX enrolled me into their Vet Prep program. The only choice to pay for that semester was to use a private Sallymae loan. Being the first generation to attend college my father who has now passed was the only source of financial knowledge I had. He looked at the loan terms with me and even co-signed the loan. It cost XXXX for the vet prep program and I failed one class with a D. I called and begged for the professor of that class to see me. He would not and you are not allowed to repeat that semester. So I was out XXXX and no Chance at Veterinary degree. I have since paid triple of what the original loan was and still owe more than XXXX. It is now with Navient.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (NC)

My Issue : Barclay Mastercard does not provide a way for me to find out what my XXXX XXXX XXXX is. And they do not provide me a way to apply payments to the XXXX XXXX XXXX. 

What happened : I accidentally used my Barclay Mastercard at an ATM in town on XX/XX/XXXX. I intended to make a withdraw using my bank debit card. The ATM machine did not indicate in any way that it was a cash advance on my credit card. 
I needed {$1000.00}. and thought I was withdrawing from my checking account. I chose Checking account on the ATM. 
I had to do two withdraws of {$500.00}. each. My original {$1000.00}. withdraw was denied by the ATM. 

I was not notified by the ATM or my credit card company that I had done a Cash Advance. 
I noticed a few days later that there were 2 charges of {$25.00} on XX/XX/XXXX in my credit card transactions. 
I called Barclay Mastercard and they told me that I had done 2 XXXX XXXX of {$500.00} each and they would not refund the two {$25.00} fees. 
I asked them how could I see what my XXXX XXXX balance was so that I could avoid paying their % 24 interest fee. 
They told me that only they could see the balance and that I would have to pay it off in full to avoid any interest fees on the XXXX XXXX. 
I paid an additional amount ( {$1200.00} ) in addition to my auto payment on XXXX XXXX, and had to hope that it would be applied to my XXXX XXXX balance. There was no way for me to apply the extra payment to my XXXX XXXX XXXX. 

I then called Barclay back on XX/XX/XXXX to ask how I could see if I had a XXXX XXXX balance. 
I was told I would not be able to see my XXXX XXXX balance and I would just have to wait for my next statement to see if any fees were charged. 
And once the fees were charged, they would not be reimbursed because the terms were in my customer agreement when I signed up for the credit card. 
The terms for a cash advance ( fees and interest rate ) are in the customer agreement, but the fact that I can't see the balance is not. 
I asked if I could disable XXXX XXXX  on my card, they told me I could not. 

Since the credit card company is hiding my XXXX XXXX  Transactions and Balance, then they should not be able to charge me interest or fees on it.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

I have requested XXXX, XXXX, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my Lexis Nexis profile be frozen. Following the investigation of the CFPB it was changed to Lexis Nexis as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like Lexis Nexis
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VT)

Chase reported ( 1 ) one fraudulent charge on my card and asked to review three months of statement to pick out and charge that where not made by myself ( or other family members ).

Going back I found over {$5000.00} of charges for that period ranging from just a few dollars to $ XXXX {$500.00} at several grocery stores in the area. 
I notified our local authorities regarding all purchases made locally, however because of the area within our State of other purchases the number of jurisdictions spans over 15 local and State Police departments. 
Chase is unwilling to produce any information or relevant documentation about their investigations. They ask I take up the responsibility to investigate ALL fraud with the store ( s ) via local authorities and to forward any information to them when it becomes available. 
I feel helpless not understanding what ( if anything ) they found and their unwillingness to participate in the investigation. They have complete control over this issue and I'm being ignored when making any further attempt to resolve this issue.
Consumer complaint received 2020-11-03
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. (NY)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (NY)

WEST CREEK FINANCIAL IS REPORTING ACCOUNT INACCURATE ACCOUNT SHOWS 30 DAYS LATE AND 60 DAYS LATE, THIS ACCOUNT WAS DISPUTED IN XX/XX/2020 IS CAME BACK AS VERIFIED AND NO DISPUTE REMARKS ADDED ALSO THIS ACCOUNT WAS LAST VERIFIED AND REPORTED XX/XX/2020 NOT XX/XX/2020, ACCORDING TO FEDERAL LAW THIS ACCOUNT IS IN VIOLATION PLEASE REMOVE ACCOUNT IMMEDIATELY
Consumer complaint received 2020-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NC)

On XX/XX/2020 I sent a letter to Plusfour asking for validation of debt. They sent me a print out of my name and the balance that I owed and black out majority of this small print out. No validity to this letter or validation of debt owed. I live in NC and this debt is from Nevada. I do not recall any of these services rendered. I also call this company and the gentleman I spoke with said they didn't have the license for NC to collect. I don't understand but yet they put this on my credit report and now I can't get them to remove it. I haven't received proof of debt.
Consumer complaint received 2020-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldridge PIte Haan, LLP (AL)

This account is not my account or a debt that I owe. It doesnt show up with other credit bureaus only XXXX. Ive settled one debt with them already which they threatened to sue me and tried to serve me papers if I didnt set up a payment plan with them. They have never mentioned this other account.
Consumer complaint received 2021-02-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: MRS BPO, LLC (CA)

I was a victim of Identity theft. I have received several collection notices from MRS BPO LLC in regards to an unknown account to XXXX. I have advised them that I have no knowledge of the account and supplied them a copy of the police report. To date, I am constantly being harassed by them. I hadnt heard from them for several months and assumed that was because they ascertained the matter and learned the account was not originated by me ... .. now they have started to call again and send me notices.
Consumer complaint received 2019-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

I am receiving collection telephone calls from a medical collection agency called Optimum Outcomes. This company is attempting to collect on a debt which is 7 year old or more and pass the statute of limitations for debt collection. The calls are appearing on my home telephone number. 

Since the SOL has expired for the debt, there is no continued need to contact me. Legally, the company can no longer contact me.