davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (IL)

XXXX    XXXX  , I contacted the agency : Early Warning Services , LLC, Attn : Consumers Services,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , AZ  XXXX , regarding Fradulent information on their consumer report file, concerning  XXXX   XXXX   XXXX   ( now being investigated )  &  XXXX   XXXX   XXXX  Bank accounts. I showed the agency how the signature on the back fo the checks provided as proof by the bank was not my signature, and provided my signature and my current drivers license photo, as my proof. The agency still came back that the information was validated. Since  XXXX    XXXX  ,  XXXX    XXXX     XXXX  has removed the Fradulent claim from  XXXX , and  XXXX  is currently investigate their claim. I wa nt Early Warning to Rem ove the inaccurate information from my consumer file, ASAP.  <P/> Thank you and please contact me at  XXXX  with any questions.  <P/>  XXXX   XXXX   XXXX
Consumer complaint received 2017-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I received a loan from fifth third bank to purchase a new vehicle. I called them in  XXXX    2017   and asked for a full payoff amount. I specifically asked how to accomplish that and was given a number. I went to their website, accessed my account and paid that amount in full. my account showed a  XXXX  balance. I was told by the representative for fifth third bank that my title would be maile d in 2-3 weeks. I did not r eceive the title and in fact, received an invoice for a full installment payment of  XXXX  dollars abo ut 6 week s after I had already paid the full balance. this was accompanied by a late payment notice from the bank! I called them and they admitted the invoice they sent me was fraudulent and instead they insisted I pay an interest / penalty amount of  XXXX ! I am going to sue them for fraud and breach of contract but I would also like this to be investigated. this is clearly a scam they are using to jam consumers for more interest payments and penalties when they go to pay off their loans. these scammers need to be stopped.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CONDOR CAPITAL CORP (NY)

On XX/XX/XXXX, I called Condor Securitization Trust ( formerly known as Condor Capital Corp ) to request a Paid in Full Letter. First the representative said my account was bought by XXXX and to call them. I immediately called XXXX which advised me that they did n't have my account. They looked me up by my SS # and Phone # and no luck. I called back to Condor and then i was told they had to request the Paid in Full Letter which will take 24-48 hours to receive. On XX/XX/XXXX, I called Condor again and this time I had Condor and XXXX on the phone. XXXX, again told me they do n't have my file. XXXX hung up and I was alone on the phone with XXXX ( Condor Representative ) which he told me the account was written off XXXX for XXXX cent and they received my last payment in XX/XX/XXXX. I beginning to explain to him that you only write off an account when the person who owes you money is not going to pay. I mentioned to him I paid the account in full and your company sent me an refund check so why would you write if off. I asked for a manager but then he put me on with a supervisor name XXXX XXXX. I went over the same conversation i had with the other XXXX. XXXX XXXX, said the Manager was in a meeting and that he will get back to me in 24-48 hours. XXXX XXXX also explain to me there 's nothing they can do since the file was sent to XXXX in XXXX. I told him why would a file be sent over to XXXX in XXXX a year after i paid it off. He said his system ca n't pull a transaction history or give me a Paid in Full letter since they do n't have the file anymore. I explained to him I 'm so confused because clearly I made all my payments and you guys are pulling a scam. He said i 'll send your file to upper Management and they will call you 24-48 hours. I called DMV which told me the title still had a lein on it. On XX/XX/XXXX, I called again to speak to a Manager and no luck again. I did speak with another representative which told me my account had a XXXX cent balance but it was waived but a Manager will call me in 24-48 hours.
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IA)

I  have a student loan through Navient.My last year of college, the financial officer at my college refused to call them and tell them I was still in college. She said it was my responsibility. No other student with a loan that I talked to had to call Navient, but I called them anyway. They said it was the responsibility of the financial officer to call them not me. I told the financial officer that, but she still refused to help me and was adamant that calling Navient was my job not hers. When I called Navient back, they said my account could   be put on deferral, which was fine by me. However, when I checked my credit score, the 40 some thousand that I owed for my school loan was on my credit score report. If it 's in deferment, how can can it be used against me like that? I just graduated on   XXXX   XXXX   of this year! I should not have to start paying back this loan for at least six months. That was my understanding when I took out the loan.    I ca n't find the document that says that my account was in default, but I am enclosing one that says my deferment was coming to an end that was sent on  XXXX   XXXX ,    2017. I di d n't graduate till  XXXX !
Consumer complaint received 2017-06-01
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds!XXXXIt is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat,  because I refused to allow someone else to cheat me?? <P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (TN)

I opened an account on XX/XX/XXXX, and account says it is waiting for verificaiton. In the interim, it has verified my bank by accepting multiple deposits, however, it will not allow me to remove my money due to " verification pending '' messages. I have consistently been sending support emails, and have even asked that my account be closed and all monies returned to me. I get the same canned response. Here is a sample. 

Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, XXXX Customer Support On XX/XX/XXXX, XXXX PM, XXXX wrote : i have sold everything, i need to be able to transfer and close this account ; your verification process is riddled with issues and i wish to take my business elsewhere. I need you to release my funds. 

-- -- -- -- -- -- -- -- -- Submitted from : https : //support.gemini.com/hc/en-us
Consumer complaint received 2017-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (NY)

I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.
Consumer complaint received 2024-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bright Side Loans, LLC (MO)

I have fallen delinquent on a debt with a company called bright side loans based out of XXXX. I have been embarrassed to reach out to them in regards to the debt because I have fallen behind on my finances. The loan was taken out online via brightsideloans.com. On XX/XX/year> I received a threatening call from an individual by the name of XXXX. His contact info on caller id is XXXX. He states that my credit will be ruined and that hes sending my file over to their attorney and he will garnish all my wages. I have emailed them and asked to work out payment arrangements. I have received other texts also stating that my credit will be ruined and that they will garnish my wages.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HW Holding, Inc (MA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown credit report. Its been over 60 days I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ) it its plainly stated that a failure to investigate these items with in 30 days give a reason to immediately remove those items from my credit report. Its has been over 50 day so its should be deleted promptly. I demand this account to be deleted immediately or I will file for ligation due to the stress you caused me.
Consumer complaint received 2017-06-01
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: I.C. System, Inc. (UT)

A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX.
I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. Thank you
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I disputed unauthorized debit card transactions with Wells Fargo by telephone on XX/XX/2021. As customary, my debit card was cancelled and a new card ordered. Upon arrival by US mail, the new card was unable to be activated having already been canceled. Since this time I have been unable to get s new debit card issued for this account, either in person at a branch location ( on two occasions ) or by telephone call with debit card services ( also on two occasions ) The account balance has been positive the entire time. Consequently, my account is difficult to access having no checks and now no debit card, as Wells Fargo refuses to issue another debit card or credit card for that matter.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Equitable Acceptance Corp (IL)

XXXX XXXX used Equitable Acceptance to finance a loan which would cover their administrative services to be the surrogate company to make payments to the XXXX XXXX XXXX XXXX on my behalf. I thought they were associated with the XXXX XXXX XXXX XXXX because of the introduction that I do have attached. The letter was deceiving. Consequently, I received multiple letters from XXXX XXXX that I was not making payments. I told XXXX XXXX that XXXX XXXX said that I was paying them to pay the XXXX XXXX XXXX XXXX, and XXXX XXXX said that is not happening. XXXX XXXX on my permission looked into my account : I had security questions that I did not know the answers to and I had false information about who lived in my household ( It was suppose to be one, but it was more than one ),  and so it looked as if information was falsified to bring my payment down. XXXX XXXX said that I do not need third party companies to do any administrative work because I can do so on my own. So I had the impression from XXXX XXXX that they would make payments and do the administrative work on my behalf. However, I have been paying off and on both XXXX XXXX and XXXX XXXX payments. XXXX XXXX has been an unnecessary middle man, and I have already paid them over {$800.00} over the past two years when that could have gone towards my student loan debt. I have contacted the office of the Attorney General Consumer Fraud Bureau and XXXX XXXX have not replied to them from my knowledge. I do have the most current Attorney 's letter attached, and the Attorney has told me to seek legal counsel, which I have not done yet. The problem is that the finance company, Equitable Acceptance, has placed a credit line on my credit report, so if I do not pay it will reflect badly on my credit report. I want this to end.
Consumer complaint received 2017-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (LA)

Diversified received a letter from me on XXXX-XXXX-2017. I asked for validation, bearing my signature, that I had contractual obligation to pay them. All I have received is a bunch of papers from an old XXXX account. I have never entered into a contract with Diversified. They have failed to supply me with sufficient evidence and they failed to place a dispute comment on my credit report.
Consumer complaint received 2017-06-01
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. (CA)

Hello, this is  XXXX   XXXX  and I had a concern regarding   XXXX   placing a thirty day late on my account in  XXXX  of  2016. I was not supposed to be reported for this late, according to a manager i spoke  with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen to  XXXX . I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (IL)

I transferred {$1000.00} in XX/XX/year> to another chime card and tried to get cash back at XXXX. The money was taken out of my account but wasn't sent to the other chime holder. I asked the teller at XXXX she said call chime. I called them and they said my money would be back on my card within XXXX business days. I called back and they said they didn't have my money. And XXXX said they didn't have my money. Also, I look in my chime app and the - {$1000.00} was wiped off like it never happened. I felt helpless, used, and confused!!! That was my money I worked hard for to get a car and it was just gone. I want my money and I want answers. It was recorded so I know they know something.
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on  XXXX   XXXX ,  2017 , which was the last day to make a payment before my account reported  as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day  XXXX   XXXX ,  2017  I was able to log into my account but the payment portal stated that payments can only be dated until the prior day  XXXX   XXXX ,  2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the  XXXX  and  XXXX  of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.