davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Fresh Holdings Inc (LA)

XXXX XXXX XXXX  calls me every single day. They are very rude and threatening when they call. In XX/XX/year>, I spoke with XXXX in regards to my payment to them not clearing. They claim they are on behalf of XXXX XXXX Credit Fresh . Although, I took out an online loan with Credit Fresh, Im not sure XXXX XXXX is a credible company. Ive searched and searched online to get information about them and it seems as though they are a scam. I simply asked them to send me an email with documentation showing who they are and my payment schedule. I gave them XXXX emails, XXXX of which are work emails, and they never sent anything. While on the phone with XXXX and waiting for an email to come through, I asked where his company was located, and he started getting irritated. I asked him if he ever googled his company to know that they are nowhere to be found online. He said, Why would I do that, its not my company. To which I replied, so you dont work there? He then told me I was a belligerent XXXX. Today, XX/XX/year>, I received yet another phone call, this time from XXXX XXXX at XXXX. She acted like I never had a discussion with them yesterday in regards to this. I again told her I wanted an email sent to me. This time I gave her my new work email again and nothing came through. She called back an hour later and I gave her my personal email and they sent over a generic letter that looks fraudulent. I will not unblock them from my bank until I know this is not a scam.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Credit Services Inc. (TX)

I settled the debt with 1st Credit Services and expected the account status to be removed from my credit files as I am no longer in collections. 



The problem arose after much difficulty cancelling a gym membership with XXXX XXXX even though I did not reside in the state. I have proof that I did not reside in the state if needed. 



I am asking 1st Credit Services to remove this account with the credit reporting agencies i.e. XXXX because that is no longer the status of my account.
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA (FL)

American Education Services keeps denying my cosigner release for different reasons, even though I have not missed a payment in over 6 years. This is different from the policy of XXXX XXXX XXXXXXXX the original lender which offered co-signer release to borrowers with the XXXX XXXX XXXXXXXX XXXX XXXX based on consecutive payment history. 

XX/XX/XXXX I received an electronic letter stating : I was not eligible for cosigner release due to not setting up XXXX XXXX 

WHY WE ARE CONTACTING YOU We reviewed your inquiry related to the Co-Signer Release benefit for the loans and loan owners identified in the Loan Information section of this letter. Unfortunately, we are unable to move forward with your request for Co-Signer Release for the following reasons : NOT ELIGIBLE YET : You are not currently on XXXX XXXX  You can request a review of the Co-Signer Release benefit after you apply for XXXX XXXX and at least one payment has extracted. 

XX/XX/XXXX I received another electronic letter stating : WHY WE ARE CONTACTING YOU We reviewed your inquiry related to the Co-Signer Release benefit for the loans and loan owners identified in the Loan Information section of this letter. Unfortunately, we are unable to move forward with your request for Co-Signer Release for the following reasons : NOT ELIGIBLE : A period of forbearance was previously used on the identified loans and the use of forbearance is a disqualifying factor for the Co-Signer Release benefit. 

The forbearance I recall was in relation to Hurricane Irma XXXX in Florida that affected myself and Florida Residents immensely. AES said I could request a forbearance without any penalty at the time due to the hurricane. In fact, they had it as a greeting when you called the customer service number, that borrowers who were affected by the hurricane could apply for forbearance. I kept my word in accordance with the forbearance and AES has not. I have not missed a payment in 6 years and XXXX months.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC (IL)

This company will not answer their phone. They brought debt from a company that I already disputed named XXXX which was found to be fraud. The company name DNF Associates {$3300.00} opened XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (MS)

While on XXXX an American Express card was cloned. 
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX
Consumer complaint received 2021-09-17
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. (FL)

On XX/XX/2020 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX .. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2015-08-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

XX/XX/2015This complaint is in regards toCitizens Bank N.A. ( Citizens One Auto Finance ) XXXX, XXXXI submitted a payment to pay off my loan on Citizens Bank - web pay on XXXX/XXXX/2015. The payment was withdrawn from my checking account on XXXX/XXXX/2015 for {$17000.00}. I spoke with Citizens Bank on XXXX/XXXX/2015 who told me the payment processed and the title was mailed. I received the title and a letter stating the account was paid in full. On a side note, the reason I called on XXXX/XXXX/2015 was to ask why they attempted to withdraw the amount ( {$17000.00} ) again on XX/XX/XXXX and XX/XX/XXXX resulting in two insufficient fund fees ( {$32.00} each transaction ) from my personal bank. These fees were reversed by my bank on XXXX/XXXX/2015 once they realized that the original payment went through, and the latter two attempts much have been a mistake. 
I received a call a few days ago from Citizens Bank N.A. stating that I was delinquent with my monthly payment, and the money withdrawn from my account on XXXX/XXXX/2015 was reversed because I submitted the final payment online. I was not aware I could not do this. Citizens Bank N.A. is telling me that the payment was reversed and redeposited into my checking account. However, the money was not returned to my account. I have a bank statement showing that the amount was withdrawn and not redeposited. I was also told the title sent to me is null and void. 
I think this is poor business practice and terrible customer service. I feel this is a breach of contract. If I could not pay the loan off online, this information should have been provided to me when I called for the payoff. Each time I call they can never find the notes from my previous calls. This is very frustrating and {$17000.00} is a lot of money.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

I have tried repeatedly to have the account ( Not Reported # XXXX ) removed from my credit report. I have no idea what this collection is and the reporting agency has been completely deceptive in reporting it. There is no name on account, no reference to what it is and they have NOT contacted me or responded to my repeated request to verify the obligation or remove it from my credit report. I firmly believe that Equifax has intentionally not responded and continues to report it fraudulently.
Consumer complaint received 2016-04-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

A company " ERC '' leaves automated phone message that this an attempt to collect a debt. They do not ask for anyone by name, nor do they say to whom the " debt '' is supposedly owed. We are current with all bills, own our home, owe nothing to no one, and refuse to call the number and report our case number left on the message, so that we do not give them any encouragement. This annoyance call comes in on our home phone over and over, and we 'd like to stop this repetitive call for a bogus debt. Please tell them to stop calling our number. They call from XXXX. How can we block them from bothering us? Thank you.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/year> my XXXX XXXX visited XXXX XXXX dentist at XXXX XXXXk XXXX XXXX. XXXX said that only XXXX with teeth removal must be done asap. She said there are no other oral treatments or medicine to help my 16 years 7 month old cat. The age of my cat is falsified in documents. ( it says 15 years 11 month ). We came for the XXXX on XX/XX/year> at XXXX. As was realized later they did not take her till XXXX or XXXX. The cat was without food and water from XX/XX/year> as it was directed. The cat became extremely weak in addition to all her health issues which she had before. XXXX they called me and said that they unable to do XXXX. I paid on XX/XX/year> {$3500.00}. They refunded to me only {$2500.00}. Within a week I did a request to refund to me the rest {$1000.00} for unprofessional evaluation of my cat health and no ability to do XXXX. No response. Then I submitted 2 times request to Synchrony Bank Care Credit Card tp dispute {$1000.00} charge and refund. I did not receive refund. I am not suppose to be charge by XXXX because they want thousands of money does not matter even if they could not perform what they said to do and promised to do. Also there was a lie that there is no treatment. There is XXXX {$14.00} and XXXX XXXX XXXX {$13.00} which helped my cat and she started eating.
Consumer complaint received 2015-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CA)

We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. 
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. 
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. 
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. 
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. 
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. 
XXXX XXXX : my check XXXX cleared my bank. 
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. 
They obviously cashed the check without a problem, 13 days after they received it. 
I do n't understand how I can be responsible for their bad management ofreceived funds.
Consumer complaint received 2024-09-25
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 (FL)

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 seven 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 informationisinaccurate.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I used the federal government 's website to check my credit report using TransUnion and as I had not recently gotten my credit score I purchased what appeared to be a one time credit score. Now my credit card is being charged a recurring charge for credit protection. It did not appear that I was signing up for credit protection, nor did I want credit protection. It was never my intention to sign up for a recurring service and it was not clear at all that I was signing up for such a service.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NJ)

-Chase bank cancelled my one month old Marriott Rewards credit card while I 'm abroad and refuses to refund me back the annual membership. 
-In XXXX 2016, I received my new Chase/Marriott Rewards card. 
-The card was continuously being declined and blocked every time I use. 
-Over 20 calls to Chase bank customer service and security department to unblock the card and declare travel notice. 
- I used the card in one purchase only through XXXX and after that it simply kept blocking again in every purchase after. 
-Chase bank suddenly cancelled the card after one month of issue for no obvious reason. 
-Chase bank unprofessionally cancelled the card with no previous warning while I 'm abroad. 
-Chase bank dishonesty refuses to refund me back the {$85.00} annual membership.
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NV)

I. C. System, Inc. sent  a letter on    XXXX   XXXX   2017.  The claim, the creditor is  XXXX , the collection ag ency I.C. System, Inc.  is claiming to represent  XXXX  ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the  Creditor  sent us a chec k on   XXXX   f or money they owed us.  <P/> I contacted  XXXX    X/X/17     at   XXXX   XXXX  , spoke to  XXXX , who doubled checked our closed account, her response I quote : " your balance is  XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe  XXXX  anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

This is my second complaint against Wells Fargo. My first complaint number is XXXX. I have tried to negotiate with Wells Fargo and they refuse to work with me. I am sick and tired of the their lies and their manipulation of the system. My complaint is that I can not get a straight answer from them. Was Wells Fargo the lender/investor of my loan or was the FHA the lender/investor? This information is crucial because if Wells Fargo lied to me in order to steal my home for profit or gain, they are in violation of consumer protection laws. I had FHA insurance which I paid for. Could the FHA be the investor and also force me to pay them for mortgage insurance? That 's what Wells Fargo is telling me. XXXX XXXX, XXXX, XXXX XXXX sent the OCC a letter stating Wells Fargo was both the server and the investor but in XXXX of XXXX, XXXX XXXX told me, over the phone, that XXXX was wrong and the FHA owned my loan. ( I 'm sure it was recorded ) I wish I did n't have to deal with them. Wells Fargo chose to acquire my loan from XXXX XXXX XXXX , XXXX . I never asked to deal with them, they chose me. I purchased my home in XXXX of XXXX and XXXX of XXXX, my job claimed they did n't have the money to honor our contract and needed to negotiate a new deal. The body agreed to it so they could save jobs. I lost approximately {$400.00} a month from my income. I tried my best to stay afloat but I started to go under water very quickly. Every bill I had started to suffer. I contacted Wells Fargo to see if I could change my payment arraignments and send them partial payments for a while and they said no. They said the loan was not theirs and they could not alter the loan. They were ONLY the servicer of the loan and the FHA was the investor. I did n't want a modification at that time because I knew I would get my income back soon and I could get back on track. Well, I lost that battle XXXX XXXX, XXXX. Wells Fargo foreclosed on me. What made it worst was that they tried to push it through the courts expeditiously. Lucky for me the Magistrate said no. He knew there were programs to help me regain control of my finances. Although I took advantage of these programs, mortgage modification, Save the dream program, Hamp program, etc ...., Wells Fargo has come up with excuses to why they could n't help me. They even went as far to say that I did n't want the modification. I want to know if Wells Fargo would be considered the lender of my loan since they took over the loan. Also, does that make them the investor too or is that something totally different? Wells Fargo claims the FHA is/was the investor which is why I 'm writing this complaint. All I want is a straight answer. They already manipulated the courts, foreclosed, then bought the house at the Sheriffs sale. I just want my home back. If I have to sue Wells Fargo for that to happen, than so be it.
Consumer complaint received 2016-04-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.