davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I unsuccessfully attempted to obtain a copy of my credit report online. I filled out the required information on the XXXX website. I clicked continue and then another page was displayed informing me that I would have to complete the identity verification process. I was asked to verify the information I had provided which consisted of Name, Date of Birth, Address, and the last four of my social security number ( See Page 1 ). After clicking " continue '' the next page stated " Unable to complete your request '' and " We are unable to confirm your identity ( See Page 2 ). I  was not asked any verification questions I was just sent directly to the page. I then called the phone number ( XXXX ) XXXX and wasted 15 minutes following the prompts before the automated system announced it would not be able to process my request. There was no option to speak with a representative. I will next attempt to mail in a request. My impression from this experience is that XXXX is structured to make the process of requesting a free credit report as difficult as possible. Considering that the three largest credit reporting companies operate this website I am not particularly surprised. They have met the letter of the law by providing this website however the website uses every method available to evade the spirit of the law by not actually providing the credit reports as mandated by federal law. In a final act of buffoonery the site then asks for my name and address to " help solve problems better '' ( See Page 3 )
Consumer complaint received 2019-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (FL)

On XX/XX/2019, I received a letter from AWA Collections ( XXXX XXXX XXXX ; XXXX, CA XXXX ) claiming I owed them {$54.00}. 
Since I have never had any contractual agreement with AWA Collections, I maintain I do not owe them {$54.00}. 

On XX/XX/2019, I responded to AWA, notifying them of the action to be taken, if they were to place adverse items on my credit report. 

On XX/XX/2019, I was informed that AWA Collections had placed an adverse item on my credit report. Hence this complaint.
Consumer complaint received 2019-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

Good Morning, I contacting XXXX XXXX XXXX XXXX in regard to Bank debt and to make a payment via - my direct deposit through my job. I was told by XXXX or XXXX that my bank deposit would go through and I could make a payment on my account through my online account once the debt was validated which it never was. I have no access to online to make payments or verify if the debt was accurate. 



I also let the bank representative know that I believe they are trying to collect the wrong amount. 

Heres the issue : The bank never sent a letter stating the amount owed and what I needed to pay by what time to prevent the amount being reported to the credit bureau. 

When it is thought to be a collection a demand for payment letter must be sent out giving the person who may be responsible for the debt time to pay debt or to validate the amount of the debt. 

This company put this on my credit file without verifying the debt or sending a demand letter for the debt in question or contacting me in any way to say debt would be reported and the steps I needed to take as a consumer.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

I am a victim of identity theft, and I discovered that a previous fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquires. I would like these items be permanently removed and blocked.
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I have had multiple incidents where Paramount Recovery Services of XXXX Texas, has placed collection accounts on my credit profile in reference to accounts allegedly owed to to the XXXX County Hospital. This accounts are not mine. I have disputed the accounts before but after a few months they appear on my credit profile again.
Consumer complaint received 2019-08-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

I accepted this loan offer as a student at University of XXXX, XXXX XXXX program for a simple continuing XXXX certification, which was not received. I completed 5 courses out of 6, and had to move out of state because I could not afford to live in California anymore. I have paid the required monthly payments to Sallie Mae for this loan since it was disbursed over 6 years ago and never was late. I have paid off this loan in payments totaling over {$6000.00} which was the amount disbursed. Yet, my balance due is over {$6000.00} so my payments went strictly to interest all these years and will continue to go to interest only. I feel this is fraudulent and unacceptable behavior. THey have refused to lower my interest rate or do anything to apply my payments to the principal balance. I feel like this loan should be considered PAID IN FULL.
Consumer complaint received 2019-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TRANSWORLD SYSTEMS INC (VA)

Some time on or around XX/XX/XXXX-XX/XX/XXXX ( I don't know the exact date ) I attempted to call Transworld Systems who was put in charge of collecting a credit card debt for a XXXX XXXX XXXX that I had obtained back in XXXX. The card was originally under a chapter XXXX bankruptcy which had gotten dismissed. So this reopened the debt I owed along with almost {$5000.00} world of intrested to the card limit which was only about $ XXXX {$3400.00}. When I originally called, I'd call to settle the debt for the amount of the card that was used which was around the amount of {$3400.00}. With the job that I have, this amount was manageable for me to get paid in a considerable time. Transworld came back with counter offer with almost {$5500.00} in which they told me I'd have to pay in a month. I agreed to this because they would not offer me any else and made me feel like I had no other choice but to pay this amount. I was able to make a payment of {$500.00} on XXXX XX/XX/XXXX, but was told that I only had a few days to come up with the rest. I told them that this would be impossible for me to do, but they insisted that I figure it out. I'd call and ask for an extension, they would not extend this un reasonable amount for more that 65 days. I don't even get paid {$5500.00} in a month and I have a household to maintain. The last representative who I spoke with whose name was not willing to work with me or come down on the settlement even as I left messages and pleaded with her to work with my situation. I also explained that I was trying to buy a home for my family, but she did not seem to care about anything regarding my goals She also exclaimed that I would not be eligible for another settlement offer for another 6 months if I didn't pay the remaining balance of the settlement and they I was not allowed to put in for a settlement around tax season so that I would not have an opportunity to pay the account of using any tax refunds which is terrible. I would like to negotiate a better settlement that would allow me to pay the amount that I used on the card which was around {$3400.00}. I had already paid {$500.00} into the settlement amount and would like that amount added. Their practices are unfair and deceptive does not benefit me and put me in more of a financial bind.
Consumer complaint received 2019-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

My friend, a man without means, was born in XX/XX/XXXX. He lost his common law wife recently. He has gone XXXX recently. I have given him over {$10000.00} and his friend {$5000.00} on my friend 's recommendation. All the money is lost. To speed up delivery of emergency cash I added myself to his Wells Fargo checking account last XXXX. I can no longer support my friend. I asked Wells Fargo to remove my name from the joint checking account. Unless my friend appears with me at the bank branch, corporate policy states there is nothing they can do. Having him appear with me is an undue burden on him and on me. Today ( XX/XX/XXXX ) I paid the overdraft balance {$68.00} including a punishment fee of {$35.00} that was authorized at the ATM by a third party, probably with the acquiescence of my friend but without my permission. The account balance is today {$0.00}. I conversed with employees including the branch manager at the XXXX, MD, branch. I conversed telephonically with three employees of Wells Fargo. XXXX, in the executive offices, was very accommodating. She submitted a complaint to the direct reports of XXXX XXXX XXXX, the CEO.  Nothing heard back so far. I want to divorce myself from the joint account without closing the account. This would return the account to the state that it was in on XX/XX/XXXX. All it would take is a special exception authorized by top managers. My friend is very sick.
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I open a new credit card with XXXX XXXX and attempted to transfer the balance of my USAA card to the XXXX XXXX card. It was taking weeks for USAA to receive the mailed check from XXXX XXXX. USAA rep told me he couldn't find the check anywhere and advised to have XXXX XXXX cancel or track down the check. XXXX XXXX canceled the check believing it was lost. A couple days after a no pay was put on the check USAA tried to cash it. I called USAA numerous times over the {$25.00} returned check fee and 3 times they told me to call back after statement had posted. Told me to call back today to get the fee waived and I was told there were notes concerning my previous calls about waiving the fee and the rep told me she tried to waive the fee but couldn't. Said the computer wouldn't allow it.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have been going back and forth with chase since the spring of 2019 regarding incorrect information on my credit card. I met with a financial counselor and was surprised to see that I had no credit despite having my chase credit card for a few years. We looked deeper into the situation and learned with chase that the social security number on file for my account was incorrect. I followed the protocol with chase and submitted all of the information required to correct this. On XX/XX/2019 I even received a letter from chase stating that everything was received I followed up with a phone call and they informed me the information would be updated in 10 days and its been over 10 weeks since.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I was recently scammed and my bank will not work with me due to being the one who gave the scammer my information. I didnt know the person was a scammer they said they worked for a relief fund that helped low income families with emergency funds and I explained that to my bank. My bank is Navy Federal Credit Union. The two amounts were XX/XX/XXXX {$2400.00} and XX/XX/XXXX {$2500.00}. Both amounts were posted on my account but they bounced back because they were fake checks that the so called relief fund representatives deposited into my account. The scammer requested the money to be sent back and i didnt ask questions I sent it through XXXX and XXXX. My bank wont even help me I dont know what to do my husband is XXXX XXXX military we can not afford to pay all of this money back to my bank. I need help and the bank wont help me even though im a victim.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you updated that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX account # XXXX Unverified Account
Consumer complaint received 2019-09-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I applied for a vehicle loan in XX/XX/XXXX at that time my XXXX year old was having XXXX   XXXX XXXX in which i was unable to work due his stay in the XXXX XXXX hospital in XXXX. The vehicle was repossessed and it really put my family in a terrible situation concerning me getting back and to work and my son back and forth to his Doctors appointments..As of XX/XX/XXXX they have been garnishing my wages every week which has also put my family in a financial hardship.i tried to explain to them the situation about my son and also that i have been diagnosed with XXXX  XXXX XXXX XXXX ... .and that would like to get this issue resolved.i was told that there's nothing they can do to help me with this matter because i was supposed to go to court but was unaware of the court date until aftet the court date had passed ... unfair..the $ amount that they have taken up to date is {$3300.00} and as my credit report states a remaining balance of {$3100.00} ... they take from my check every week they're also taking from my children ... i have XXXX children, rent, utilities, food, clothing and basic necessities that i struggle to pay because of the amount the garnish every week..i turn down overtime because the more i make the more they take ... and it's frustrating and i don't need the added stress ... they sold the vehicle and yet i have to pay for a product i have had in years ... not fair ... who does things of this nature ... The company is Credit Acceptance Corporation..
Consumer complaint received 2019-08-30
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: EQUIFAX, INC. (VA)

In reference to my previous complaint no XXXX, Equifax sent me their response regarding the non-existent account I was complaining about. They claimed that they " contacted the data provider and verified this account ''. Such action would be impossible since there is NO DATA PROVIDER they can contact. XXXX XXXX, who was my Mortgage company, went out of business in XX/XX/XXXX and THERE IS NO WAY POSSIBLE TO CONTACT THIS COMPANY. THIS CONFIRMS THEY LIED. 

This is a serious violation of my credit rights to have accurate, verifiable information in my credit report. They are lowering my credit score by claiming I have this non-existent " Personal Finance Account '' which can not be verified. 

No credit bureau is allowed to report an adverse account with a company that is no longer in business!! And, I am tired of requesting the removal of this false information and their constant LIES. 

They have been reporting this and damaging my credit since XXXX!! PLEASE HELP ME. THEY WILL NOT LISTEN TO ME AND ARE VIOLATING MY RIGHTS AND DESTROYING MY CREDIT!!
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have been trying to work with Navient who purchased my student loans onXX/XX/2011. Loan # XXXX. XXXX. Loan # XXXX XXXX. I was reviewing the details of the loan and discovered the disbursements amounts were not correct and I requested a validation of the debt and never received one. When I attended the school for these loans the cost was appx 13,000. I believe there has been a mistake and I have been paying for it for many years. If you are able to help me get some validation of this debt I would appreciate it.
Consumer complaint received 2019-09-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

I relocated in XX/XX/2018 and properly completed my change of address notification with the post office. Instead of XXXX XXXX XXXX XXXX XXXX forwarding me a proper bill, they wrote the debt off and sold it to a collection agency. This debt was PAID IN FULL TO XXXX XXXX XXXX XXXX AFTER I FINALLY GOT NOTIFICATION OF AN ACTUAL DEBT BUT THIS COLLECTION PLACE STILL PLACED THIS ON MY CREDIT REPORT!!
Consumer complaint received 2019-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

Apparently in XX/XX/2019 SunTrust raised their minimum daily balance requirement on Signature Checking from {$2500.00} to a whopping {$25000.00} without notice. Beginning on XX/XX/19 they have been deducting a monthly fee of {$25.00} even though my balance has never dropped below {$3000.00} and I continue to maintain my mortgage there. They made this change without notice and I only discovered this when I reviewed the surprising deductions that had been made.
Consumer complaint received 2019-08-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and Equifax advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at Equifax, XXXX and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.
Consumer complaint received 2019-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Friendly Finance Corporation (KS)

I have had issues with Friendly Finance Corporation : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX We have requested a full statement several times and even fax multiple request and still no Statements. 

We fell behind on our payment and negotiated a Bi-Weekly payment of {$250.00} which has been deducted several time from our accounts in the last several months. They have constantly reported missing payments on our ( my spouse and I ) credit report and will not supply a statement as to how and if our payments are recorded. 

We are dealing with several agents from friendly finance and the harassing phone calls at work. We have specifically requested both verbally and written for them to stop calling my wife work but they will not stop. They have both our cell phones and prefer to call my wife 's work. She has been reprimanded by HR as they call and introduce themselves as Friendly Finance and asked HR multiple times if the vehicle was park at the office as they would like to know in case they need to repossess the car. 

Friendly finance has continue to harass us - debit and collect payments from us and refuse to give us a statement while reporting missing payments on our credit report. 

We have also called to request a statement as we are considering options to pay off the loans.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I bank with Wells Fargo Mortgage and have noticed a trend when using the mobile app to submit my monthly mortgage payments. 

When I submit a payment, a confirmation number is generated on the screen. I try to remember to take a screen shot so I have this confirmation number as reference but on the occasions when I have not taken a screenshot, my payments have failed to process and when I contact Wells Fargo mortgage, they claim to have no record of the payment submission. In all fairness, Wells Fargo has removed the late fee that was assessed on 1 occasion and has confirm that no credit reporting has occurred as a result of these instances but I cant help but think Im not the only customer that is impacted by this and others may not be willing to spend 30 minutes on the phone with Wells Fargo to correct the issue. 

I would recommend that Wells Fargo make previously submitted/pending mortgage payments ( inclusive of confirmation numbers ) available for customers to view through their app and online.