davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, I got a cashier check from my Credit Union in the amount of {$2300.00} to my credit card company - XXXX XXXX. Somehow Wells Fargo Bank got hold of the check and cashed it. There was not any information on the check pertaining to Wells Fargo, but the check was cashed. I have tried several times in phone calls to get the money returned. I have been told that Wells Fargo handles credit cards accounts for XXXX XXXX but XXXX XXXX personnel told me they are an independent bank. Wells Fargo Bank said that I had to go to my bank or to XXXX XXXX for assistance. But they told me that it is Wells Fargo Bank 's responsibility because they cashed the check that was not written to them. Still, they refused and my bank has tried and sent a request but Wells Fargo Bank Have not responded or acknowledged they received the request.
Consumer complaint received 2021-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I had been waiting for review of several of my payments that were finally marked " eligible '' after over a year of waiting for them to review them. Once they did review and mark the payments " eligible, '' I have 121 ( and now more ) payments out of the 120 needed for forgiveness as of XXXX of 2020. I submitted my application for public service loan forgiveness immediately after receiving this information from Fed Loan. 
I have heard nothing from them, nor have I received any documents. 

I called again today and asked the status of my application. The agent stated that my application had been approved for forgiveness and now it will take 4-6 months to have them officially discharge the debt. The agent could not give me much information aside from saying it would be 6 months for Federal Student Aid to " officially process the forgiven loan. '' This is absurd as I have worked well over 10 years in public service, paying my student debt and continue to have to wait for this company to do their job and obligations under my loan. And now that I am eligible and even APPROVED for forgiveness, it will take another 6 months!?!?!?
Consumer complaint received 2021-01-07
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (GA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I have made on time payments since XX/XX/XXXX to pay off my loan. Original balance of {$8500.00}. Current Balance of {$17000.00}. Payoff amount at the end of my payment period in XX/XX/XXXX approx {$55000.00}. How is it possible for me to owe that much when I have made on time payments monthly for this long? I have called and written letters to Navient and they are not willing to settle for anything less than the pay off amount. They recommend I continue to make on time payments which in the long run will amount to approximately {$55000.00}. I would like to settle on an amount less than what is owed and pay it off in one payment. Please help me. Navient claims they do not settle. They said they could offer me a {$200.00} discount now to pay off in full.
Consumer complaint received 2019-08-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRSTBANK PUERTO RICO (FL)

I initially pursue to buy a Warehouse, so my realtor recommended me to talk to a mortgage manager at XXXX XXXX Florida, we started the process in XXXX, since we only had a 10 % as downpayment we needed to involve the XXXX as well, we have our first interview, and then a month later, the loan manager ( XXXX XXXX ) came to my office to sign all papers, and he leaves a copy with all the expenses, except for the legal fees, which according to him, were hard to calculate, i asked several times about these fees, in order to have a good idea about the closing costs, but his answer was always the same. 
Finally, at closing date ( XX/XX/XXXX ) and an hour before signing, we received the HUD with all the closing costs, to our surprise, Legal fees were separated into 2, one for XXXX XXXX  Florida and the other for the XXXX, which together makes a total for {$10000.00} ( Hud Attached, points XXXX & XXXX ), im also attaching all the documents signed, to show that none of the documents provide an estimate on the legal fees, this extra {$10.00} that we didnt have into account, make a huge hole in my companies financial, to the point i had to skip my salary and stop pre-orders in order to be able to comply with my current debt. 

I complained about this at signing, but i had no choice to either sign and pay the XXXX, or to loose my deposit and all the fees and expenses that i had already paid ( {$5000.00} deposit + {$2000.00} ( appraisal ) + {$1200.00} ( bank fees ) )
Consumer complaint received 2020-06-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law.

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!
Consumer complaint received 2019-08-07
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. (NY)

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX,
Consumer complaint received 2020-06-22
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: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for the total price per contract of {$38000.00}. My contract was for a period of 72 months. My contract is set to end XX/XX/XXXX. Over the years I have paid a total of {$41000.00}, this amount has included every payments made through out the years. A couple of months I noticed my payoff was increasing from one day to another. With all the extra payments made this vehicle should have been paid off, instead Hyundai Finance has continued to bill me and I have not received my title. I have been contacting the for several months and still the matter has not been resolved. I would gladly submit any proof of all payments if requested.
Consumer complaint received 2020-06-12
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a couple of items that were opened under my social number. I know for sure these items are not mine. Please remove them from my report.
Consumer complaint received 2019-08-07
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 recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and that was unusual. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this and doing this on my own behalf and I need this taking care of a as soon as possible.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (AL)

On XXXX/XXXX/2016 i found identity theft on my credit report and began the process of contacting the account holders to resolve the issue. 

XXXX was contacted on XXXX/XXXX/2016 and they do not have a fraud department that anyone can talk with, i was speaking with customer service rep named XXXX and he submitted the fraud claim against the account, XXXX fraud department was suppose to contact me in 3 to 7 buisness day, i was never contacted. 

On XXXX/XXXX/2016 I was contacted by XXXX XXXX Office manager for maury cobb 's law office. I explained to him the issue and faxed him a copy of the police report. i was once again never contacted by t-mobile or maury cobb. 

On XXXX/XXXX/2016 i found that XXXX was still on my credit record and contacted them again and they said that the account was determined to be a legitimate account and was turned over to collections. They give me the collect agency, they said they did not have the account it had be turned over to there Lawyer. ( XXXX XXXX ). Contacted XXXX XXXX and the XXXX person would not give me their name. Called collection agency back and they give me a number to XXXX XXXX, spoke with XXXX XXXX and he understood my problem on the XXXX call and said he had to talk with his office manger and would be calling me back by XXXX i never received a call back by XXXX called so i call them back. XXXX XXXX was very rude and unhelpful at this point and said i need to contact XXXX again and they would be sending me a fraud form in the mail. Contacted XXXX again and they have not been contacted by XXXX XXXX or his law office. 

Called XXXX back the night of XXXX/XXXX/2016 and spoke with XXXX ( employee ID XXXX ). He once again told me that XXXX does not have a fraud department that i could speak with and resubmitted the fraud paper work it would take 3 to 7 days for someone to contact me. 

On XXXX/XXXX/2016 called XXXX back and the fraud department determined the account to be a relationship fraud and need the police report faxed to them. I explained to XXXX ( employee ID # XXXX ) that this could not be a relationship fraud because the account was opened by an unknown person in texas and i live in alabama with no connections to texas. 

XXXX/XXXX/2016 - Faxed a copy of the police report to XXXX and called to check to ensure they received the report. The customer service rep did not see that the fraud department had receviced the fax and would make a note on the account. He did not give me his employee ID #. 

Information from XXXX Fraud account number - XXXX customer service number - XXXX Collection agency information Amsher - XXXX XXXX XXXX information XXXX XXXX - XXXX I have attached a copy of the police report as well as fax transmission report to both XXXX and XXXX XXXX.
Consumer complaint received 2022-05-17
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: ERC (NY)

in accordance with the fair credit reporting act XXXX  account # XXXX, ( ENHANCED RECOVERY CO L ) has violated my rights. 

15 U.S. Constitution 1681 section 602 A states I have the right to privacy.

15 U.S .Constitution 1681 section 604 A section 2. its stating that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

I was on XXXX and bought something so the seller contacted me and we set up a payment plan through XXXX on chase bank. As soon as I sent the money the seller deleted his account and quit replying and never sent the product. Ive tried multiple times to request the money bank and he rejects it every time. Ive tried filing reports with the bank and they were absolutely no help at all! It was honestly ridiculous how much the bank did not even want to help. I will most definitely be switching banks and letting everyone now how XXXX this banks customer service is.
Consumer complaint received 2020-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

A few years back, I called Navient to see what I needed to do to qualify to have my co-signer removed from my private loans. They listed off a few details on what steps I needed to take, and those were : Loans payments must be in full without any program assistance ( IBR, Deferment, Forbearance ) Continuous monthly payments for 2+ years Can not miss a payment during this time period After paying them for over two years, I called to ask how to get the co-signer release paperwork, and where to file for processing. I was then told the same list of requirements, but an additional one was addedhaving a degree from the school attended. This information was not provided and is now screwing me over. 

I was unable to graduate due to maxing out my ability to request more loans and was forced to quit my education, which was also a lie the school told me when I enrolledthat student loans would cover the entire span of my education there. I was two quarters away from graduating. I also met all the requirements for over two years, only to be told the information I was given was incomplete and can not seek relief for my cosigner. 

Now, the XXXX XXXXXXXX XXXX XXXXXXXX and many other locations have closed due to their worthless degrees, lack of accreditation, predatory student lending practices, false job placement information, poorly promised job placement practices, and false starting wage information. Because of this, I can now never complete a degree and do not have the option to have my mother removed as a co-signer on my loans. 

Having a cosigner puts my family at risk if something happens to me, and also enables Navient ( the loan servicer ) to use my co-signer 's income as a means to charge me more per month in payments. My cosigner should have nothing to do with my monthly payments unless/until I have lost the ability to pay them myself. It's robbery at its best.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed XXXX XXXX for the amount of {$320.00} & {$520.00} on my credit report as I paid the original creditor XXXX XXXX XXXX XXXX and it should have never went to collections. I contacted original creditor XXXX XXXX XXXX XXXX who had reported it to check cashing agency XXXX. Once I contacted XXXX, they agreed and had XXXX remove from my file and reinstate my check cashing privileges ( see Attached ). I contacted trans-union to have them remove from my credit report stating that I paid the original creditor and it should have never went to collection agency. Trans union sent letter stating that XXXX XXXX will not delete and says information is correct. I contacted XXXX XXXX and told them I had paid original creditor and this should be removed from my credit report. XXXX said that XXXX was the one that reported it and they were working on their behalf. I called XXXX and they sent me a letter stating it had been resolved and removed from my file. I sent letter to Trans-union and XXXX. ( see attached ) Trans-union just informed me that XXXX will not remove because it states now that trident bought it from another agency, XXXX that is not on my credit report and new to me. XXXX also sent me a letter stating that they bought this account from another agency. They are reporting false information and I have proof that the checks were paid and resolved according to XXXX. ( see attached ) I have no knowlege of another agency because the XXXX said they only report to XXXX. This trident agency is a scam because I paid these checks already and they are refusing to delete it off my file. It is not my fault if they bought an account that had already been paid for, I should not have to pay twice for there mistake!!!
Consumer complaint received 2020-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (IN)

I was a victim of ID theft on multiple accounts including what appears to be a loan from Goldman Sachs which I did not authorize, nor did I request. I have made numerous attempts including attempts made with representation to dispute this with Goldman Sachs. They claim that they have loan documentation and a recording of my voice authorizing the loan. As a result, they denied my request because they said I made a single payment, and verbally approved the request. We have asked now on multiple occasions for them to send us the signed loan documents which should be my right as a consumer and have requested the voice recording so that it can be reviewed. Two months later and numbers calls to Goldman Sachs with a minimum of 1 hour hold times, we have yet to receive the documents they are claiming prove that this fraudulent debt is mine. We have submitted what we feel to be sufficient information protesting this account and feel that Goldman Sachs is trying their hardest to not provide this information hoping that I go away and that they will not be responsible for the fraudulent debt they allowed to be opened in my name. The nest step will be the state 's attorney general.
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC (GA)

Cooling and Winter is trying to collect a debt which is not mines ; which is also pass the STATUTES OF LIMITATIONS ; Open Accounts : 4 years O.C.G.A. 9-3-25.

All of their reps that I have tried to communicate with was very unethical. 

Cooling and Winter refuse to send any written signed contacts or any verifying data about this fraudulent account.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo placed a hold on a cashier 's check and they forced me to make an appointment and go into a branch to get the hold released. I deposited the check in their ATM because all their branches are closed. Now I have to waste more time because they put a hold on a BANK CHECK, which should never have holds. They refused to release the funds -- a BANK CHECK!!! -- over the phone even though they had fully identified me as a customer with multiple accounts.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (CA)

Dear Consumer Financial Protection, I had a {$10000.00} secure credit card with Wells Fargo. They keep my funds to use as collateral. However, I do not receive any interest from them for them keeping this {$10000.00}. What I am surprise at is that when I make payments it does not being applied to the old transactions first WHICH I AM BEING CHARGED INTEREST ON even though they are holding {$10000.00} which I collect no interest from but on top of that payments I made are being apply to most recent transactions which accrue less interest. I have paid over {$450.00} in interest at least and get no interest from the collateral they hold which is a double whammy.
Consumer complaint received 2021-12-01
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: WELLS FARGO & COMPANY (TX)

I received a hard inquiry on my XXXX report from Wells Fargo Bank. I contacted them but they will not remove the inquiry from my credit report. I was able to find out that someone applied for a XXXX credit card using my XXXX and they are supposed to be investigating. When I asked how to have the inquiry removed I was told I had to file a police report or file a report with the XXXX.