davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit International Corporation (KY)

XXXX paid me after I made multiple sales to a customer. XXXX processed the customers payments from start to finish. I never saw any of the process of payments that were made. XXXX, from a separate account according to them paid me the money into my checking account. Over a month ( about XXXX weeks ) later XXXX tried to take the money back that had already cleared and was deposited into my checking account via XXXX  payment from XXXX. I stopped the debit of my checking account from XXXX and was able to keep XXXX from taking my money and over drafting my checking account by more than {$19000.00} Now XXXX has sent me to collections saying that I owe them {$20000.00} from these multiple sales that they collected the money for and deposited in my account. Again, I never processed any of these payments. These payments were 100 % processed by XXXX start to finish. I had no control or access to any of the information when it came to processing these payments. Now that I am being harassed by a debt collector. I sent a certified letter for debt validation. They told me flat out over phone that they dont have to do that. They say I have a signed contract but they will not provide any of that information to me. I dont believe I physically signed a contract. They also said I have to make a lump sum payment in the full amount of {$20000.00} immediately and have not given me any reasonable payment opportunities that fit my budget. They have also threatened to sue me out of state and to freeze my bank account. I do not believe I owe this debt. This is a failure of XXXX and they are trying to hold me accountable for their mistakes.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (MN)

My mortgage has been passed on to Fay Servicing and a deferred balance of {$100000.00} showed up on my statement. I called them and they could not give me an answer as to the breakdown of this cost. The deferred balance will come due when the mortgage is paid off in XXXX. I need to stay in my home, so if I tried to sell I would never make enough money to pay this deferred balance owed. 

History of my Mortgage XXXX had my mortgage and I was trying to get refinanced but they never received my application ( Faxed in many, many copies ) XXXX sold to XXXXXX/XX/XXXX sold to XXXX XXXX XXXX sold to Fay Servicing
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Lendmark Financial Services (OH)

XX/XX/year> Subject : Dispute of XXXX Account Dear Lendmark Financial Services, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally dispute certain aspects of my loan account with Lendmark Financial Services. 

Loan Details : Loan Amount : {$6600.00} XXXX XXXX XXXX XXXX Loan XXXX months Responsibility : Joint Upon reviewing my payment history and understanding the terms of the loan, I have identified discrepancies that I believe require clarification. I have already paid a total of {$5100.00} towards this loan, and I would like a detailed explanation of the remaining balance and any related charges. 

Additionally, it has come to my attention that my XXXX  took possession of the vehicle and sold it to XXXX without my acknowledgment. This situation further complicates my responsibility for the loan. 

I would also like to bring to your attention that I have been receiving inquiries regarding this alleged debt both via mail and phone. This persistent communication constitutes XXXX, and I request that it cease immediately. 

To resolve this matter, I am requesting the following information : A detailed statement of the payments made towards the principal and interest. 

An explanation of any fees or charges that have been applied to my account. 

Confirmation of the current balance and what that balance represents. 

I appreciate your attention to this matter and DEMAND a response no later than XXXX days as required by law. If we can not resolve this dispute satisfactorily, I will consider other options for resolution. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im receiving conflicting credit reports & inaccurate information. The credit reporting agencies report information as accurate & the lender changes the information on my account monthly. Unfair credit reporting!! Today I received 2 conflicting reports from XXXX!
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (CA)

The Debt Collection company Cedar Business Services of XXXX California. I have done some research online ( XXXX, XXXX, etc, ) about this company and it seems they have thousands of people that are victims of the same company and crime. They are claiming I owe approx. {$2500.00} from a company called XXXX, a bitcoin company. I was the victim of fraud during this time and this is a residue from that Identity theft. I have notified them of this mistake and that I did not purchase, nor do I own, any XXXX  I have written them a letter, but they refuse to release this " debt ''. They are now sending negative reports to credit score companies.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im trying to log in to the TransUnion website to put a freeze on my credit account. After struggling to create an account and dealing with many errors in their system, the login now doesnt recognize my password. When I click on the forgot my password option and enter my information, their system says that my SSN and last name do not match. Neither have ever changed throughout my life, and I can see I have entered them correctly. There are no alternative ways to recover or reset a password or get into the account. 

After looking for a way to contact the company, I found a bunch of comments on various sites that track whether websites are experiencing an outage or issues, dating back years, with users describing the same issues I am having. People have even called to get this issue fixed and the operators can provide no help with the site. TransUnion needs to get their site fixed. Particularly with the recent SSN hacks.
Consumer complaint received 2023-12-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (HI)

I have auto pay set up, but every time my payments are due it looks like its being processed and then the payment is reversed without my knowledge. I called my bank to check if there are any blocks with my account, and they do not have any blocks that would cause issues with making my loan payments. I have not been able to get in touch with EdFinancial to figure out why my payments have been reversed over the past 3 months, causing me to have missed and overdue payments when that should not be the case. I have auto pay set up, and my bank says there is no blocks on their end that would cause any issues with making payments.
Consumer complaint received 2024-08-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RELIANCE FIRST CAPITAL LLC (KY)

I submitted a request for assistance with my mortgage on XX/XX/XXXX after missing two payments. Knowing my income was limited in the sXXXX XXXX XXXX XXXX and due to costs related to an out of town XXXX  all summer for my XXXX son, I had tried to apply after missing the first month, but was told I was not behind enough to file. As I am in an active XXXXXXXX XXXXXXXX bankruptcy, additional paperwork was required for the request and the company, Reliance First Capital through XXXX kept sending back paperwork as incorrect and did not accept my request until XX/XX/XXXX ( after XXXX total submissions ). When I called on XX/XX/XXXX, they stated I should call back in 7-10 days for an answer. I called 10 days later and was then informed it would take up to 30 days to process the request. On XX/XX/XXXX, I met with a VA social worker to see if any help was available through the VA. She helped me submit an application to a local organization, but was told a few days before the application was due that they needed a current mortgage statement. The last statement I received was on XX/XX/XXXX which had been sent directly to my attorney. Because I am in bankruptcy, Reliance First Capital cut off my access to all online functions, including accessing statements. I contact Reliance and was given three different departments to reach out to with the final only being an email. The last representative I talked to said that the assistance agency should already have access to them via an online portal for service agencies nationwide. When I asked for the address for this website, I was told only service agencies were allowed access. I emailed the final department requesting my statements be mailed to me and a current statement faxed to the social worker. They did not send the fax and I still have yet to receive a single statement in the mail. Due to this, I did not receive the offer red assistance. I called today, the 30 day mark, and was told my request was denied because the VA said I had insufficient income. A letter had been mailed and I should receive it shortly. To appeal, I had to send back a letter after receiving the denial by XXXX XXXX. This company has given.me the runaround since after I closed my loan. My credit report even shows the loan with a XXXX balance! These people are scam artists who set up their clients to fail.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc (NC)

An XXXX  case was open and it was a voicemail from a representative of RNN group. The individual stated that they are looking to confirm employment for XXXX XXXX last 4 of SSN XXXX. This is NOT the last four of my social nor is it the correct spelling of my name. I will pursue legal action against this company for contacting my employer with someone else 's information attached. This is not a good look for me and could have jeopardized my employment. If the response is not the response I am looking for I will consult with an attorney.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation (GA)

I called to make a payment on Friday, XX/XX/year>, on XXXX of my XXXX accounts. And after I started asking some questions on how XXXX account was almost XXXX months behind when I maked monthly payments on it I was put on hold then transferred to a different person who then accused me of being aggressive when I call to make payments finally informed me after several minutes of questioning that I should " see '' that they were trying to help me by taking money I designated to be payed to my smaller loan account and instead payed it to my larger loan account and causing my smaller loan to be almost 2 months behind and extending the loan past the point of being paid off in XXXX.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX On these dates, a company by the name of XXXX has been constantly emailing me on behalf of a collection agency called Jefferson Capital Systems , LLC, asking me to pay a debt. Im not sure how they have my information and Im not aware of this debt or ever spoke with either of these companies.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Portfolio Recovery A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX a transaction of {$1000.00} was made on Wells Fargo XXXX app, my money was sent to Wells Fargo and was stated to be returned by Wells Fargo via the recipient. Wells Fargo has failed to return my funds as promised and has lost where my funds are currently being held. Wells Fargo has done nothing to track where the return of my funds are. Is there verification needed on my end is there a number to call to claim my lost funds? The funds were sent back from Wells Fargo recipient to Wells Fargo the sender and neither the recipient no sender has the funds. I need Wells Fargo to find out where my money vanished to, incoming from the return from the recipients account.
Consumer complaint received 2024-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I filled out a School Misconduct Application for my school on XX/XX/24. I submitted all the requested evidence. I was denied on XX/XX/24 with the reason of 'Your loan type ( Private Consolidation ) does not meet the criteria for school misconduct discharge '. 

That is not a reason. I want to know EXACTLY what criteria my loan does not meet. 

This consolidation loan was facilitated by this company ( Sallie Mae/ Navient ) with loans also originating from this company ( Sallie Mae/ Navient ) and should for no reason be denied.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After multiple attempts Ive tried to dispute all inaccuracies on my consumer report. I have never been evicted from any residence. I filed a complaint before and Transunion stated nothing generates. However, a company I applied for stated they use Transunion XXXX XXXX. I am requesting a hard copy of my report. In addition, if any evictions and or past due balances appear on my report I would like them disputed.
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (PA)

Ed Financial Account is disabled for MONTHS, tried calling SEVERAL times and never get to speak with anyone, wait on the phone for long periods of time and get hung up on. Tried live chat with zero help, tried emailing with NO response. Set up auto pay months ago and they took one payment and havent taken a payment since making it late. I cant login to my account to fix or pay because it is disabled code XXXX! I have tried everything I know to do to resolve this issue with zero luck!
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I received a notification/email from XXXX XXXX XXXX that my account was being attempted to be hacked. I was very cautious. I wasn't sure if it was correct or not. I reached out to coinbase and they confirmed that they do send emails from the email address " XXXX XXXX XXXX '' Turned out that the email was a fraud email. Their email moniker had been spoofed. When I began an email thread with their support team, it too has the email moniker " XXXX XXXX XXXX '' So there is essentially no way for the consumer to know if what's being asked of them is fraud. When I brought that up to them, they give you a generic unhelpful uncaring response. 

Their email has been spoofed and they do nothing about it. Now I am out approx. {$2000.00} that has been taken from me. I have screenshots of the hacking email that shows it's from " XXXX XXXX XXXX '' along with screenshots of the legitimate support chat which is also from " XXXX XXXX XXXX '' Please help me get my money back. This is a electronic transfer of funds so am I not protected by Regulation E? Coinbase has left me in the lurch and their support is refusing to take ownership. 

If you look online there are many other cases describing the same issue. Coinbase is allowing their support email to be spoofed and doing nothing about it. Their customers are open to endless fraud loss and heartache.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (CO)

I am trying to use my XXXX debit card to make a purchase. It denies my purchase. I have the funds to cover it. I call and ask why. They tell me its not at an approved location. No one ever told me I can use my funds only at approved locations. Then they tell me it is frozen for XXXX hours. Then I reluctantly have to wait the XXXX hours. I try to use it after the XXXX hours ant what is supposed to be an approved location and it denies again. I call again and I get the same XXXX  and XXXX  XXXX. Over and over I can not access my money and they keep telling me I need to wait another XXXX hours. Its been over XXXX hours and I still cant use my money and they keep XXXX XXXX with me.
Consumer complaint received 2023-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC (VA)

Request for automatic removal of PMI as loan has reached automatic PMI a removal once original loan to value reaches 78 % or original loan to value They are requiring that I pay for a new appraisal $ XXXX {$800.00} and refusing to automatically remove the PMI they also are referring to the date on my amortization of when it should automatically fall off but when I called and spoke with XXXX she was unable to provide the date she was referring to. She also was unable to transfer me to a supervisor. The original loan amount was {$210000.00} my current balance is {$160000.00}
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Commercial Credit, Inc. (CA)

My company has XXXX equipment loans from Commercial Credit Group. The loan company has cross collateralized our equipment and charging and adding fees from nowhere and are not trying to give us the information we need for property taxes and to identify where some of the money from the loan went. The lender have given us numerous buyout amounts that the dollar amounts keep changing in the same day. Falsely noted we were XXXX  months behind when we know that was not. I have a XXXX discrepancy that they will not discuss and send over statements that make no sense and has a loan number on the payments that is not part of any of our loans.. We sent a certified letter out as it states to do in the contract if there is any accounting questions or discrepancies. We also emailed these concerns and was told to send an outrageous amount of money or they will repo our machines. 

We did not pay the amount for it was no where near the amount due and they have no started taking our machines without proper due diligence.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (IN)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX  ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.