davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: Resurgent Capital Services L.P. (NY)

Hello, my name is XXXX XXXX. there is a credit collection from LVNV FUNDING LLC supposedly opened on XX/XX/2022 on my account that has been settled & removed due to the reasoning being " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravins ( mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' This account has been sold to another company and now the collection is reappearing after it has been removed in the past. 

The credit bureaus have not accurately removed this account due to false information. 

This collection needs to immediately be removed.
Consumer complaint received 2016-12-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (LA)

My private student loan recently defaulted on XX/XX/2016. I was unaware of this matter, until I logged in to make a payment, and no payment options were available. I 'm aware that I was delinquent on the loan during the past 4 months, due to life changing events and financial hardships, divorce and single mother of XXXX. During that timeframe I made XXXX payments in an attempt to try to catch up on the delinquent payments, yet the loan still defaulted on XX/XX/2016. I 'm a little confused b/c I spoke with the loan company, American Education Services, to try to see if there was something I can do about a lesser monthly payment in order to catch up, but they insisted that there was none available. They referred me to the collection firm, XXXX, that currently has the loan, and they 're requiring me to put {$5000.00} down payment. I do n't have that kind of money, I 'm trying to catch up on things that I currently have now. I 'm more than willing to make monthly payments, but I can not afford what they 're asking for. I 'm confused on how the loan defaulted and I made few payments, trying to get back where I need to be with it.
Consumer complaint received 2016-10-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (RI)

I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.
Consumer complaint received 2016-04-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I had a company make a withdrawal from my checking account and they had already been paid from another one of my hunington bank accounts called in to stop the process but was told I was to late and that I need to file a dispute I did I submitted all the documents contacted the company they agreed that the was and error on their behalf agreed to return the funds minus the over draft fees and my dispute included a all overdraft fees associated with this transaction I was lied to by hunington every rep I spoke to told a different story I just want my money back from XXXX XXXX XXXX transaction in the amount of XXXX plust all fees
Consumer complaint received 2015-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I am owed a refund for a " Gap Insurance '' that was attached to my auto loan. I cancelled the policy in XX/XX/XXXX. The reimbursement process was that the dealership provide paperwork to the underwriter, the underwriter would issue a check for the unused portion of the policy to the lending institution, the lending institution would then forward that pro-rated refund to me. Steps A and B went quickly and smoothly. Step C ( delivery of my refund ) has been almost 3 months of aggravation in the form of unreturned phone calls, customer service reps with no backing from supervisors, XXXX checks " lost in the mail, '' and now, today a promise of a Thursday XX/XX/XXXX delivery to my work office via XXXX. If the situation had been reversed, I expect they would have garnished my wages by now!
Consumer complaint received 2015-04-09
Product: Other financial service — Money order
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY (NY)

SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 
ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.
Consumer complaint received 2016-01-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (GA)

HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA.
Consumer complaint received 2023-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

After the passing of my mother I needed to sell her home. I put the home on the market after making updates and repairs and it sold on the first day of showing. We called to get a payoff and sent in the funds- only for the funds to be returned and the mortgage company asking for a additional XXXX XXXXXXXX. My attorney contacted them and they said we owed only an additional {$1600.00} and not XXXX  XXXX. We overnighted the payment in again and now they are asking for a additional XXXX XXXXXXXX. It is never ending with this company. They just keep adding and adding bogus fees.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I am DEEPLY concerned with what's going on in the banking industry in general, PRIMARILY DUE TO THE FACT GOVERNMENT IS ALLOWING THEM TOO! 
I HAVE had ONGOING problems with AMEX bluebird!

I altered my address couple of months back, since that time I have had close to ten transactions declined by merchants bank due to ZIP CODE MISMATCH!

LAST month someone ( I believe ) fixed it at AMEX such that transactions could be finalized.

HOWEVER, several transactions just failed. The AMEX policy of placing an eight day hold in all circumstances without ability to remedy, IS UNCONSCIONABLE!!! This behavior CAN NOT BE ALLOWED!!!!!!! 
Using my latest declined transaction as example ( on or about XX/XX/XXXX ), AMEX placed this hold on the funds because somehow they reflect it as approved ( declined at merchant .... ). NOW I do not have enough available in account, FOR ANOTHER EIGHT DAYS!!!!!!!

I HAVE TRIED MANY TIMES to get them to release such a hold, NO EXCEPTIONS their sticky fingers won't release funds for EIGHT DAYS!

RELEASE MY FUNDS, STOP THIS POLICY!!!!!!!

FIX MY INFORMATION SUCH THAT I AM NOT PERPETUALLY GETTING TRANSACTIONS DECLINED!!!!!
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I foolishly deposited a check that I had received from an unknown person. Of course, this check came back as fraudulent. Fifth Third then froze my account for any future transactions. At the time of closing, Fifth Third returned approximately {$1100.00} to me that was remaining in the account. I then tried unsuccessfully to open a checking account at several other banks but was not able to do so. I received the Consumer Report stating that I had " uncollected funds '' at Fifth Third. After checking with the local Fifth Third branch, the banker told me that he saw NO uncollected funds against my account. He advised that they would forward the information to their corporate headquarters for review. I have been again advised by corporate that there is NO uncollected funds against my account. I have been advised that I need to file this dispute in order to clear this situation up so I can once again open a checking account and live a normal live. Please advise what needs to be done. Thank you for your assistance.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Synovus Bank (IN)

UNKNOWN INQUIRY SYNV/XXXX  XXXX XX/XX/year> XXXX *FRAUDULENT CREDIT INQUIRY* AFFIDAVIT OF FRAUDULENT REPORTING CREDIT REPORT DISPUTE FORM CERTIFICATE OF FCRA VIOLATION FINE DIRECT DEPOSIT INFORMATION FIFTH THIRD IDENTITY ALERT CREDIT INQUIRY # XXXX
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I am writing to formally lodge a complaint regarding my auto loan with Bridgecrest and XXXX. I have encountered several issues that have caused significant financial strain and emotional distress. Furthermore, after conducting my own investigation I have found several complaints, and lawsuits against both XXXX and Bridgecreast. Its a horrible, legalized scam that needs to be stopped. 

XXXX. Overpayment and Principal Balance Issues : Despite making regular payments with some delays due to my pay schedule, I have noticed that my payoff balance have barely decreased after almost 4 years. It appears that my payments are not being applied towards the principal balance as they should be. This has resulted in me overpaying for the vehicle, which is both unfair and financially burdensome. 

XXXX. Misleading Information : Initially, I was provided with a total price for the car. However, the payoff balance does not reflect the payments I have made, leading to confusion and frustration. This lack of transparency is unacceptable and has made it impossible for me to accurately track my loan status. 

XXXX. Trade-In Difficulties : The terms and conditions set by Bridgecrest and XXXX have made it nearly impossible to trade in the car. This has further exacerbated my financial difficulties and has prevented me from finding a viable solution to manage my payments. 

XXXX. Impact on XXXX XXXX : The ongoing issues with my auto loan have caused intense stress and have negatively impacted my mental health. The lack of support and resolution from Bridgecrest and XXXX has only added to my distress. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX FM XXXX XXXX # XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Freedom Mortgage Company (AK)

Freedom Mortgage reported a delinquent account to all three credit reporting bureaus. This account is not my account. The account was assumed by my ex-husband in 2021. The original creditor has verified that the account was assumed, and that the mortgage is not my responsibility. They have provided that information to Freedom Mortgage, but Freedom has not removed the delinquent payment report from my credit files.
Consumer complaint received 2024-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TX)

I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company. 

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered. 

A clear statement showing the balance due.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (NJ)

XXXX refuse to correct the status of an account on my credit report shown as 30 days delinquent/past due for the months of XX/XX/year> and XX/XX/year>, when it is not. That is inaccurate false information! 
I provided proof & documentation to XXXX showing that I've never made a late payment nor have any past due amount owed for " The Bank XXXX XXXX XXXX XXXX account in question. But they still refuse to correct & update my account information. 
XXXX did not & does not verify the information submitted by " XXXX Bank XXXX XXXX XXXX XXXX It is bias and violates my rights as a consumer the way XXXX conducts business and handle investigations!
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (KY)

I have several disputes and chime told me they credited my account but I never received it.Here recently chime has been taking money from me and their telling me that it's stores that ain't even on my account my money just disappeared and they shut down my account when I told them that I wasn't going away until I get my money that I received from SSDI.Because of what their taking from me I can't take care of my self as far as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chime has stolen a lot of money from me and I really need help getting what's owed to me and hopefully more because of the problem they have caused.It ain't right that chime can get away with stealing from me and mentally and physically tearing me down
Consumer complaint received 2023-07-05
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update and correct the following in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/year> I received a notice that my CD from XXXX XXXX. I noticed it was a cashiers check and made out wrong. I took it to my bank XXXX XXXX XXXX. The teller said she could not deposit it into my checking account because of the way it was written. I decided to try another bank that they might have different regulations. I went to my credit card bank Wells Fargo in XXXX XXXX XXXX. I was told by banker that I would have to get a lawyer to write up a trust agreement the same wording as was on the check that was issued wrong. On XX/XX/year> I sent everything to my lawyer and he wrote up the trustee paperwork that the banker requested. In order for us to get this trust account application our lawyer had to get us assigned an employer identification number with the IRS. 

The bank Manager told us that they could not take it the way the check was made out to a trustee. I told him I just paid for a lawyer to set it up the way the banker told us to do. He said he was sorry nothing they could do with the way the check was written. If he was not sure how to resolved this issue, he should have never offered his services he should have asked his supervisor. I have lost interest on the CD not being deposited for the time spent getting what the banker requested. I feel Wells Fargo should reimburse me for this costly information that he requested. My lawyers fee and notary because he insisted that I had to have all the paperwork notarized. In closing this was an annoyance and inconvenience because of this misleading information.
Consumer complaint received 2024-11-01
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (MO)

I reached out to the Company to get a copy of the account in question or verification of the account that is more than XXXX XXXX XXXX, but they Refused to provide me with any proof of original contract or a signed contract between myself and their company. They refused to remove the fraudulent account and they continue to update the account to my credit report as if it recent.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

I opened a dispute a couple of weeks ago agains 3 transactions from " XXXX  '' but I forgot to add a fourth one to the same claim. 
XX/XX/year> XXXX Service not provided, I tried to reach the merchant many times without any answer. 



And also I need to open another new dispute for merchandize not received. 
XX/XX/XXXX XXXX brand XXXX XX/XX/XXXX XXXX XXXX in both cases the order ( general stuff from supermarket ) should arrived on XX/XX/XXXX, never happened and since now I dont have any answer from the company, I tried to reach them several times by phone and website. 

I couldnt reach customer service to discuss this.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

AMSHERCOLLECTION SERVICES ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.