davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have had trouble getting my IBR application resolved since XX/XX/XXXX. I have had repeated contact with Navient regarding my account XXXX. I was on an in school deferment until the first of this year. After repeated faxes and attempts to get some resolution on my account, my account is now saying its 273 days behind. Navient 's excuse of not resolving my account was that it was being researched and they did not receive my income verification. I last spoke to them and it was supposed to be resolved as the month of XX/XX/XXXX. I work a XXXX job which I have been laid off from and I am XXXX XXXX. My income averages {$25000.00} a year and my student loans are in excess of 200K. They were faxed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with 22 pages reflecting my XX/XX/XXXX tax return which is my only proof of income. I do not understand how this agency can not get this right. They are not my only student loan servicer. I had a similar issue with XXXX XXXX and they resolved the matter just fine. Please advise. I do not know what to do. Thank you for your attention and assistance in this matter.
Consumer complaint received 2017-12-14
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: TENET HEALTHCARE CORPORATION (FL)

To whom it may concern : I am disputing the following accounts as an affidavit, I have contacted the state attorneys office, The FTC, filed a lawsuit against your company for falsely accusing me of owing your company, using my credit file without my consent which is violating my rights and several sections in The Fair Credit Act. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # xxxx I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Date : XXXX/XXXX/XXXX Transaction : Show additional information for activity type transfer XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX Merchant Info : email : XXXXXXXXXXXX Phone number : XXXX I made a transaction with a XXXX merchant for concert tickets that I never received. The transaction was executed using Bank of America mobile app that uses XXXX. I do not have a XXXX account but the merchant does. After the transaction was made and I did not receive the promised goods, I called Bank of America right away. This was still on XXXX around XXXX EST. 

At this point, the transaction was still in " Processing '' stage. The banker told me that they can not do anything about it because it was in the " Processing '' stage. He/she told me to wait until the transaction was completed and to call XXXX XXXX ) bofa to file a dispute claim. 

After the transaction completed, I called again on XXXX. The new banker on the phone said that they can not do anything because the transaction is no longer " Processing '' and the money has made a final deposit already. The banker suggested to file a police claim for additional legal advice and that they will try to contact the receiving scammer end for a return on the amount. A police report claim number has been made upon my behalf. Please contact me for more information on that. 

Since Bank of America could not help me, I called XXXX. The support representative said that because I do not have an official account with XXXX, they can not help me either since this was done through Bank of America. 

In any case, I believe that Bank of America could have done something while it was still in the " Processing '' stage and stopped the transaction, but misinformed me, their customer, about their procedure.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Ive submitted a complaint regarding bankruptcy being reported on my report! Instead of following the new law that was placed, they are refusing to remove it! It is not being displayed correctly! XXXX is the ONLY bureau that successfully deleted the bankruptcy. I am going to be forced to take further action if my requests continue to be denied.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (WY)

I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company (   US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XXXX XXXX XXXX leading on into XXXX XXXX XXXX my Fifth Third checking account was overdrawn. During this time 5 very small transactions went through my account as verification of that account. These transactions were from XXXX and XXXX XXXX. I use these services to send money to my sons in college. The amount of these withdrawals were {XXXX}, {XXXX}, {XXXX}, {XXXX} and {XXXX}. These five small withdrawals total {XXXX}. Fifth Third charged me {XXXX} for each of the above transactions. So {XXXX} ended up costing me {XXXX} in overdraft fees. Oh and after you verify what the exact amount of the withdrawals are XXXX and XXXX XXXX deposit those small funds right back into your account! So a withdrawal for 1 penny cost me {XXXX0}! When I called Fifth Third the lady I spoke to said their system only allows the reversal/reimbursement of {XXXX} in fees  over the entire lifetime of the account. Seriously? I do n't think I believe that statement. So she did actually reimburse {XXXX} but where is the other {XXXX}? I 'm very upset about this matter and am seriously thinking about closing my accounts at Fifth Third and just moving all my money to XXXX XXXX banking. I 'm attaching photos of the transactions and all the fees added to my account. I 've never even heard of a bank that charges overdraft/return check fees on an amount less than a dollar. Oh and one more thing ... the lady I spoke to on the phone was very XXXX.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I checked my credit report with XXXX and i noticed i have a collection accoutn being reported by XXXX XXXX XXXX I have no knowledge of this debt and i was not given a XXXX to dispute before this company placed it on my credit file
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I wrote a check out to my hair dresser. She cashed it electronically on XXXX or XXXX with her bank, Wells Fargo. She then accidently cashed it again around XXXX or XXXX with Wells Fargo. As a result, my credit union deducted the amount of the check twice from my checking account on XXXX and XXXX. I was double charged. Wells Fargo contacted my hair dresser just before XXXX ( approx. XXXX ) to let her know that the check was double deposited and that the duplicate funds would be deducted from her account. To date, although Wells Fargo removed the funds from her account, they have never return the funds to my account. I have contacted my Credit Union which will research the issue, however, if Wells Fargo knew that it was a double transaction and removed the funds, Wells Fargo should have credited the funds back to my account. Instead, Wells Fargo has kept the funds which do not belong to them. In an effort to contact Wells Fargo abou the issue, all their numbers require you to have an account with them. I do n't have an account with them, but I am impacted by the error in their processes. I finally found a number to reach their executive office after 30+ minutes of searching. I filed a case with the executive office, but was told there is nothing they can do to research or resolve this issue. My credit union must research and submit a request to Wells Fargo to get the funds returned. I contacted my credit union which is working on resolving the issue. However, should n't Wells Fargo look into their systems to see why this error happened and why they are not returning funds. I wonder how many people have been double charged and how many millions of dollars Wells Fargo keeping that does not belong to them and should be returned to the rightful account owners.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from Equifax stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up XXXX and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : Equifax : 1. XXXX XXXX XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX, INQUIRY DATE XX/XX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 3. XXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX, INQUIRY DATE XX/XX/XXXX 5. XXXX, INQUIRY DATE XX/XX/XXXX 6. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 7. XXXX XXXX, INQUIRY DATE XX/XX/XXXX 8. XXXX, INQUIRY DATE XX/XX/XXXX 9. XXXX, INQUIRY DATE XX/XX/XXXX Thank you for any help that you can provide.
Consumer complaint received 2017-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I was called from phone number XXXX XXXX/XXXX/XXXX Wed XXXX on my cell phone which has been registered for over a year on the do-not-call registry. They left a message which I transcribed as best I could : " We have an important message from XXXX XXXX XXXX. This is a call from a debt collector. Please call XXXX. '' I called back and reached them. They immediately asked my name. 

Since I have no debts, I knew this was the start of some kind of identity theft scam, so I refused to give them my name and the conversation ended there. 

I wanted to report that this company is using the kind of tactics which are a prelude to identity theft, making them a very suspicious company.
Consumer complaint received 2017-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My vehicle was totaled on XXXX/XXXX/XXXX I had full coverage and GAP insurance. On XXXX/XXXX/XXXX I was advised there is a balance of {$380.00} remaining on my loan. When the insurance company spoke with Capital One XXXX they were provided a 10 day payoff amount good thru XXXX. The payment was not received by Capital One XXXX until XXXX/XXXX/XXXX. Which incurred additional charges. After speaking with the XXXX XXXX XXXX XXXX she states Capital One XXXX did not provide the letter of guarantee until XXXX/XXXX/XXXX and was requested XXXX/XXXX/XXXX. Which caused the delay in the payment, causing additional charges. She also advised me that they should not have been charging me interest after they were notified the vehicle was totaled. She also told me to file this complaint. I do not have any money to pay a balance especially when I should not have a balance. This is no fault of mine in any way. I provided the needed information to all parties in a timely manner.
Consumer complaint received 2017-12-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

There are 2 Portfolio Recovery Associates for amount of {$2000.00} and {$550.00} that does not belong to me. I have sent Portfolio Recovery Associates a debt valuation several times with no response
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan is due to come out of deferment/forbearance on XXXX/XXXX/XXXX. I made a payment for {$80.00} ( twice the monthly amount due ) through my bank on XXXX/XXXX/XXXX to be delivered on XXXX/XXXX/XXXX. The payment was processed on XXXX/XXXX/XXXX and 2 days later, still due was {$40.00} for XXXX/XXXX/XXXX. I inquired with Heartland ECSI and they said that payments made more than 10 days before the due date are applied to current month and not the following. This obscure rule is not outline on their website. After dealing with several CSRs, my payment was applied for XXXX XXXX and the next payment will be due in XXXX XXXX. Upon further inspection of my account, what was not explained in detail was that even though the site said that my payment for {$80.00} was applied to my principal, my payoff balance was {$9.00} short of what it should have been. After inquiring with another CSR, they said that the missing amount was for the interest accrued for XXXX XXXX, yet I still owed a {$40.00} payment for XXXX XXXX -- that should not be considering a payment was made and the site said ALL monies went towards the principal, when in fact, {$9.00} went towards interest for XXXX XXXX. This company is using underhanded tactics in an attempt to fool and cheat its customers.
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

I placed a wire transfer of {$25000.00} at XXXX XX/XX/2017 from my bank, XXXX XXXX XXXX , to Coinbase Inc , who instructed me to transfer it to their account with Metropolitan XXXX XXXX . 

Routing Number : XXXX Account Number : XXXX Recipient Instructions : XXXX As of this moment, the amount has not been credited to my XXXX account with Coinbase. I have opened a ticket with their support team and received no response. I have tried calling their support phone number and the phone was never answered. 

Case # XXXX This appears to have happed to several other people. 
XXXX XXXX  XXXX
Consumer complaint received 2017-12-14
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. (GA)

RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
Consumer complaint received 2017-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I have been trying to get my student loans through Navient dismissed due to the XXXX Loan Forgiveness Program, but every time I submit my information that is requeste4d that says that I have completed the requirements they turn it down saying that I do not. I have read the requirements and submitted the required paperwork and each time they tell me I have not met these requirements. No further instructions or help is offered.
Consumer complaint received 2024-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

Please accept this as my request to remove the negative late payment of XX/XX/XXXX from XXXX, XXXX, and XXXX. I called and spoke with someone to make payment arrangements due to XXXX my job  and XXXX  exhausted my financial reserves at the time. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days after the end of the national state of emergency declaration. The COVID-19 national emergency declaration is scheduled to end on XXXX XXXX XXXX. I'm in my right to dispute what I may consider unfair understanding the circumstances. 

I've ONLY missed one payment in 4 years of having this loan and am only asking for your forgiveness. If you review my account now, you will notice that I have made payments months in advance since having a job. This has drastically hurt my credit and removed my loan consideration for getting a home. It is stuck on my report and says it hurts me even with a perfect payment history on all of my other revolving accounts. I want to thank NAVY Federal for the excellent service I have experienced as a consumer and for being a very loyal consumer. I have also sent a certified letter to XXXX XXXX, XXXX XXXX, XXXX XXXX, and a few others. Thank you for your time and consideration.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (OH)

IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.