davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-31
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. 
Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. 
The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 
Thank you.
Consumer complaint received 2024-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I AM AGAIN OVERWHELMED WITH MY STUDENT LOAN PROVIDER AIDVANTAGE. AS I CONTINUE WAITING FOR THE IDR ADJUSTMENT TO BE MADE BY THE FEDERAL GOVERNMENT ON MY STUDENT LOANS ; I RECEIVED A LETTER FROM AIDVANTAGE SHOWING AN AMOUNT THAT CAN NOT BE CORRECT. I MADE MY MONTHLY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$930.00}, WHICH WAS THE AMOUNT SHOWING DUE FOR THE MONTH OF XXXX. AIDVANTAGE THEN SENT ME A LETTER STATING THAT MY MONTHLY AMOUNT WOULD CHANGE TO {$760.00} FOR THE MONTH OF XX/XX/XXXX. THEN I RECEIVED A LETTER FROM AIDVANTAGE STATING THAT MY LOANS WERE BEING PLACED IN FORBEARANCE AND THAT I WOULD NOT HAVE A PAYMENT DUE UNTIL I HEARD FROM THEM AGAIN. TODAY I RECEIVED A LETTER THAT MY NEW MONTHLY AMOUNT WOULD BE {$4500.00} STARTING XX/XX/XXXX. HOW WOULD MY STUDENT LOAN MONTHLY AMOUNT INCREASE FROM {$760.00} TO {$4500.00}? AND WHY HAVE I STILL NOT SEEN FORGIVENESS OR THE IDR ADJUSTMENT AFTER HAVING STUDENT LOANS FOR OVER 25 YEARS!
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con LVNV FUNDING LLC # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (TX)

In mid XX/XX/XXXX I sold a XXXX XXXXXXXX XXXX to XXXX XXXXXXXX XXXX. They sent BMO Bank a payoff check. BMO drafted a loan payment of {$260.00} on XX/XX/XXXX after they received the payoff check. I contacted them at the end of XX/XX/XXXX and they indicated that I would be receiving a refund of {$260.00}. During that phone call I gave them my new address where I wanted the check mailed to. In XX/XX/XXXX I still had not received the check. I contacted BMO and they said the check was mailed out to my old address. They said once they confirmed the check was not cashed they would mail out a check to my new address, that I confirmed with them once again. It is now the end of XX/XX/XXXX and I have yet to receive my refund.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (CA)

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I responded to a XXXX inquiry within the stated timeframe and went into the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and talked to the Branch Manager XXXX. I brought him the multiple required documents verifying my address and XXXX accepted them and stated that it was handled. XXXX talked to many reps at Wells Fargo who confirmed that my account is clear and no action is needed on my account. 

However, my account was wrongfully closed on or about XX/XX/XXXX. I went to the branch again and talked to XXXX and he confirmed that there is no problem with my docs, but contacted their dept to reverse the cancellation. However, he was told by Wells Fargo Bankers Support that its in the process of cancellation and is irreversible. 

I provided credit card billing statement, my tax returns, CA Secretary of State Statement of Information, and my lease all verified with the same address. In fact, I was told that these were the documents as required on the Wells Fargo XXXX Despite providing them with multiple docs, WF violated their own policy and unjustly proceeded to cancel my business account without notice or verification of my docs. I was told that this has been a systemic problem from Wells Fargo that has unjustly closed accounts for millions of customers across the US.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

I am writing to formally file a complaint against Jefferson Capital System, located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX, regarding its handling of my account number XXXX. I believe Jefferson Capital System has violated my rights under the following federal regulations : 1. Violation of 12 CFR 10026.34 ( b ) ( 5 ) Jefferson Capital System has engaged in deceptive practices by providing misleading information about the status of my debt, which is prohibited by this regulation. They have failed to communicate clearly and accurately regarding the terms and amount owed.

2. Violation of 12 CFR 10026.34 ( c ) ( 4 ) ( i ) The company has not fulfilled its duty to respond promptly to my inquiries and dispute regarding the debt. This regulation requires that the collector must respond and address any concerns or disputes raised by the consumer, which has not been done. 

3. Violation of 12 CFR 10026.34 ( d ) Despite my dispute of this debt, Jefferson Capital System has continued its collection efforts without investigating or validating the accuracy of the debt. Under this regulation, all collection activities should have ceased until the dispute was fully investigated.

4. Violation of 15 USC 1681-s2 ( 7 ) ( a ) Additionally, Jefferson Capital System has violated the Fair Credit Reporting Act by furnishing inaccurate or incomplete information about this debt to credit reporting agencies, despite being notified of the dispute. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate measures to ensure that Jefferson Capital System complies with federal laws. I also request that Jefferson Capital System cease all collection efforts until this matter is fully resolved and the proper investigation has been conducted. 

Please contact me if you require any further information regarding this complaint. I appreciate your immediate attention to this serious matter
Consumer complaint received 2024-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial (TX)

XX/XX/XXXX XXXX XXXX  XXXX payoff of {$300.00} was paid by a different bank card to close account. Two days later XXXX made three ( 3 ) attempts to collect different amounts ( XXXX and XXXX? on XX/XX/2024 ) from the initial bank that lease was opened with. Agent was advised during phone call on XX/XX/2024, that a different card was being used, and I was advised it was no problem. 

Payment of {$300.00} was processed and cleared XX/XX/2024. On XX/XX/2024 I received an alert from the bank that payment could not be processed due to insufficient funds available. 

All the documentation up to the XX/XX/2024 XXXX report is attached for your review.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is not allowing me to access my credit report online. When I contact the customer service number at XXXX they say that I have to contact Transunion Credit Monitoring department at XXXX. I call that number and they say I have to call dispute department which the number is the same as the customer number of XXXX. I 'm trying to access my credit report and dispute online but error message keeps coming up and been on the phone for 5 hours and unable to get anything resolve because each department keeps saying its the other department fault.
Consumer complaint received 2024-09-23
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IA)

I bought XXXX {$50.00} dollar gift cards at a XXXXXXXX XXXX  in XXXX XXXX the girl behind the counter did not activate the cards correctly None of them worked The store owner was no help would not take or return my phone calls i reported them to XXXX. vanilla gift cards sent them the information they wanted pictue of cards and a credit card receipt with the store and purchase amount on it ( the girl at the store didnot give me an actual reciept because the printer was out of paper and she didnt know how to fix it. they put may case in a report and didnt get back to me for XXXX months it was always under review the case is now closed and im out {$430.00} the credit card statement reciept was not good enough they told me nothing they could do?????
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (CA)

My father sent {$1000.00} money transfer from his bank to my bank ( chime ). It was done on XXXX XXXX around XXXX pst. I called the bank before he sent the money on XX/XX/year>. On XX/XX/year> I explained to them in great detail what my dad was going to do and asked them if my account will allow me to receive the funds. They told me yes 100 % I will be able to receive the funds within XXXX XXXX XXXX. My dad sent the money on Monday XX/XX/year> around XXXX pst. I called them around XXXX on XX/XX/year> and asked them can they see the transaction they told me yes they can and the funds would be available on XX/XX/year>. on XX/XX/year> I checked my account and the funds were not there. I proceeded to call the bank ( chime ) and let them know also to have them locate the funds. They told me yes they still see it there to give it a few hours to post to my account. I recorded this conversation. A few hours pass and I check again, surprise its not there. I call back and got a really rude supervisor who told me he doesnt see any such transaction and i wont be receiving the funds. I was appalled because I was expecting that money to attend my nephews wedding. I called again on Sunday XX/XX/year> and spoke to another rep who told me that it disappeared on their end but not to worry it should be on my account on XX/XX/year>. I checked today XX/XX/year> and it isnt in my account. At this point I feel lied too and feel as if they are using unsafe and unfair business practices against their customers. I want to sue for the money sent and emotional distress. That would make me whole
Consumer complaint received 2018-12-24
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. (FL)

On XX/XX/XXXX I processed a payment for {$1400.00} to finish paying off my student loans. Then I checked because money had not come out on the XXXX. The payment did not reflect in their system so. I scheduled it again. Then both amounts came out the next day. I spoke to them on XX/XX/XXXX and was told it would be processed in 3-5 business days but that never happened. I called on XX/XX/XXXX and spoke to XXXX ( no id given ) and then her supervisor XXXX ( ID  XXXX ). XXXX  first told me it would be in my account today but that seemed odd so I asked for a supervisor and XXXX informed me that the refund was never processed at all- directly opposed to what I was told on XX/XX/XXXX and by XXXX on the same day. XXXX would not give me XXXXXXXX XXXX id number for my records. I gave XXXX my account and routing number for a second time ( first time was on XX/XX/XXXX. I was told it cold take 7-14 business days. I then was processed to another, allegedly higher up supervisor. I was told all staff are " offshore '' and can not expedite the reimbursement of my refund for the money that was not scheduled in their system to be taken in the first place.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

t has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (LA)

I did a mobile deposit on XX/XX/XXXX for {$26000.00}. Called the bank XX/XX/XXXX because I needed a new debit card and was told account had a hold. I was told the hold would be lifted on the XXXX. Called on the XXXX again and was told hold was not lifted. I was informed my account was frozen indefinitely. Called back on XX/XX/XXXX for more information and they wouldnt tell me anything. They wont let me access my account at all and wont give me a time frame when my funds will be released. They wont provide me with written documentation either
Consumer complaint received 2017-01-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

I sent numerous letters to Chex Systems to verify or delete XXXX XXXX XXXX from my report and they have reinserted this account after they deleted it back in XX/XX/XXXX. I will be attaching the proof here as Chex System could n't verify it to begin with and still can not verify this account that 's reporting on my report negatively. I have never been notified by Chex Systems to even reinsert this and only found out when I tried to open a checking account and was denied. I will include copies of letters received and recent letters that were mailed to Chex Systems. 

Under FCRA 611 15 U.S. Code XX/XX/XXXXi ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I was never notified nor was I ever mailed any documents verifying this account. I 've also contacted XXXX XXXX XXXX as per the address they included and it was returned to me, copy attached. I demand this deleted immediately.
Consumer complaint received 2023-05-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-05-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (SC)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear [ Source Receivables XXXX  ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am request that you validate this debt. I request proof that it is accurate and legally enforceable. 

Please provide the following information : XXXX name and address of the original creditor. 
XXXX. The amount of the debt, including any interest, fees, or other charges. 
XXXX that you are authorized to collect this debt on behalf of the creditor. 
XXXX. A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since. 
XXXXerification that the statute of limitations for this debt has not expired. 
XXXX. Copies of any paperwork that shows I agreed to pay what you claim I owe. 


Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated. 

In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter. 


Thank you for your attention to this matter. 

Sincerely XXXX XXXX