davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WY)

I went to buy a prepaid visa at the gas station in XXXX wyoming about XX/XX/2023. Once purchased I tried several times via phone and internet to activate the card. It continued to deny me access to a card I prepaid for and had already put XXXX dollars of my money on. I had to wait till the following monday to call the company. When I called they informed me they could not give me access to an account because they could not identify me. I did this for over XXXX hours till finally it was revealed I had already had an account and despite that it was in the positive by XXXX dollars they still could not identify me because I could not tell them my last XXXX transactions with exact numbers and passwords. but they wouldn't tell me where or who I had this account with. Then finally they said they would refund me my XXXX plue the other XXXX dollars. I gave them my address and still have not had a check. I called back again trying to get my refund for the money same thing they informed me they were sending a check but no nothing its been months I want my money back and I want access to all accounts under my name with information. Ive been told the refund is coming and its now 3 months when they promised 10 days. they promised this 2 times now.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

A dispute was sent to the creditor. TRANSWORLD SYSTEMS ( XXXX XXXX ) Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting to my credit. this has been an ongoing issue that needs to be resolved. all items are invalid, none verified, an illegal that is listed reporting on my credit. please review an remove the listed items asap to show the correct items cleared on my credit report.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Resurgent Capital Services L.P. (NY)

Pursuant to 18usc 8, I owe no debt, this company is violating my consumer right to privacy persuant to 15 usc 1681 b2 company has also no permission to report anything using my info pursuant to 15 usc 16814. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-01-03
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. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX LAST FOUR SSN # XXXX DOB : XXXX C.E.O. for XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX, GA XXXX PRIVATE AND CONFIDENTIAL This is a LEGAL NOTICE and not a letter. 
Dear C.E.O XXXX XXXX, I am writing to dispute the inclusion of VALIDATE THIS DEBT Delinquent Child Support Payments, Judgements, Liens Fines on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. IF YOU CAN NOT VALIDATE THIS DEBT IMMEDIATELY REMOVE FROM CONSUMER REPORT. 
I request that you promptly review my credit report and remove XXXX CHILD SUPPORT XXXX XXXX VALIDATE THIS DEBT ). Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX CHILD SUPPORT XXXX XXXX REMOVED ACCOUNT from my credit report. 
Thank you for your immediate attention to this matter. I expect a swift resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (MS)

I was wrongly sue by 1st Franklin. I did not get served. I went to the court house the and got information about and I was in uniform the day of court. I tried talking to your XXXX, Mississippi agents to resolve the problem.1st Franklin have a garnishment on my check. I submitted the requested documents and then they say they will not work with me. 1st Franklin broke the XXXX XXXX XXXX. 1st Franklin went against my rights as a military.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Lima One Capital, LLC (MD)

On XX/XX/2023, I contacted the mortgage company to arrange payment arrangements for my mortgage payment that was due on XX/XX/2023. I was told by the lender, Lima One, that I could not make the payment because the loan was sent to a lawyer on XX/XX/2023 ( 3 days before my request ). I was told by Lima One that I had to contact the lawyer for a reinstatement quote. My mortgage payment was due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$660.00} per month. I immediately contacted the lawyer hired by Lima One to request a reinstatement quote for which they told me would take up to 7 days to send to me because they had to get the amounts from the lender. The lawyer provided me a reinstatement quote on XX/XX/2023 of {$10000.00} to save my property. 

I sent emails questioning how they arrived at an amount of over 5 times the amount I was expecting to pay. The lawyer just gave a broad explanation of fees but no explanation on how they arrived at the numbers. Lima One refused to talk to me to explain anything. 

I requested another reinstatement quote on XX/XX/2023 as I was preparing to just pay the money because I did not want to lose the property. I requested the quote on that day because as I was previously told, it takes time to get the quote from the lender and the quote is only good for one week. The lawyer sent another reinstatement quote on the very next day, XX/XX/2023 and the quote for {$12000.00}, was only good for one week but my funds was not getting deposited until XX/XX/2023. Again, I questioned the fees and how they were being calculated. The lawyer did not explain how the interest or the fees are being calculated. 

On XX/XX/2023, I requested another quote so I could pay since the funds were secured in my account. I called the lawyer every other day trying to get a quote so I could pay and to avoid any further action. The lawyer informed me that they were still preparing the quote but in the process, they filed court documents to sell the house. The lawyer did not send the quote until XX/XX/2023 in the amount of {$17000.00}. 

When I spoke with a lawyer, they said the fees seemed very excessive. I am so confused, if the goal is to help save the house, it seems as if the lender and the lawyer is doing everything to make it impossible for me to pay. The amount of the delinquency just for the mortgage payment is only {$4700.00}. Can you please help??
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

For 2 weeks consumers who hold loans with lake view loan servicer have not been able to make payments, access accounts, or speak to reps within the company. The company has been hacked and has not reached out to the consumers about the data breach of consumer information. I have not been able to make a payment on my loan for a week already. The company lied to the SEC stating they are communicating with consumers when they are not. This has been going on since mid XXXX of XXXX Other financial institutions have been given communication not to do business with lake view until further notice but yet no one has reached out the the consumers.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

Chime blocked access to my account without prior notice and without giving convincing reasons. I sent an email to support and they sent me a list of documentation that I should provide to gain access to the account again. After arranging everything, they say that the analyst will give feedback and this has been going on for 7 days. Then they want me to explain and provide the deposit details that were made to my account, its origin, etc etc etc I found it incoherent, abusive and I feel my privacy has been violated.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (CA)

Subject : Dispute of Closed Account Impacting Credit Score, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to you in reference to my credit report, specifically regarding a closed account that is adversely affecting my credit score. 
Upon reviewing my credit report, I noticed that a closed account, XXXX, is still listed, and its presence is negatively impacting my credit score. The account in question has been closed for [ mention the duration it has been closed ], and I believe its continued appearance on my credit report is inaccurate and unjustly affecting my creditworthiness. 
As I am currently in the process of working towards securing a mortgage to purchase a home, it is crucial for me to address and resolve any discrepancies on my credit report promptly. The presence of this closed account is hindering my efforts to build a positive credit history, which is essential for my home-buying goals. 
I kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is inaccurate or incomplete, I request that you take the necessary steps to correct my credit report and remove this closed account from my record. 
I appreciate your prompt attention to this dispute and request that you provide me with updates on the progress of the investigation. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require any further information. 
Thank you for your assistance in resolving this matter promptly and helping me achieve my goal of homeownership.
Consumer complaint received 2024-01-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

I have an account with Synchrony Bank for a XXXX XXXX card. I have had this card for several years now and it's incredibly difficult to pay bills on time as the website is ( without fail ) down at the beginning of every month, and at various points throughout the following weeks. I have tried on different days, at different times of the day, hundreds of times. The ONLY way I could pay my bill was to call and wait on hold. That's fine, I have the time and the flexibility to do that, but not everyone does. 
If online payment is given as an option, I believe that option should be available consistently. 

I believe this is a ploy by Synchrony to disallow on time payments, thereby increasing interest and fees. It's gross.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (MN)

Had this car for 2 months, and tried to return it. The salesman would not budge. He knew they were charging way over what the car was worth. We would surrender the car, but we need to have something for work. The car is not safe, I've had 2 spin outs, and there is no FWD. Gm Financial will not help with lowering the payments. I talk to them regarding the payment plan, and they still call me 3 days later. I even had a guy hang up on me, because he wanted to flap his mouth the whole time. They also play good guy, bad guy. The person you talk to just says, we will note the account of your payment arrangement, then someone calls you, to tell you what you already talked about 2 days ago. So stupid!! I lost my job 4 months ago, due to a shut down, and can't make all the payment. I am XXXX, and on unemployment. GM does not care. I feel like filing bankruptcy, but don't want to. I wish I never heard of the dealer in XXXX, and GM Financial!! They have enough money, so why can't they give people a break? All these big dealerships, need to be taught a lesson. Lets boycott the big names, and buy used. I bet they would stop these practices. I know there are a lot of inventory unused, but people are so money greedy, they don't want to get to people, and families that are barely making a living!!
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Citi Management Group, LLC (SD)

I have received numerous calls from this company. They do not ever say it 's an attempt to collect a debt, they call me after requesting them not to, and they are harassing and bullying. I asked for proof of the debt and got an email stating a XXXX card and an amount, but I have not been contacted about this debt at any point in the last 5 years. I have no knowledge of actually owing this debt. They tell me they will contact my HR/payroll department at work and take my wages, although there is no judgement against me for this supposed debt. They have stated this over and over for the last month and no action has ever been taken. It appears they simply want to harass people into paying without proof. I have also asked them to not contact me and they still do. When I question their tactics or way of doing business, they hang up on me and call back later.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (OH)

I am a credit card holder with Wells Fargo as of earlier this year. I have always paid my bills, and my credit score is over XXXX. I tried to contact Wells Fargo to no avail. 

On the last statement, Wells Fargo has billed me incorrectly in the amount of {$430.00}. This amount does not include my payment made on XX/XX/XXXX of {$170.00}. Therefore, the correct amount to be billed is as follows : {$430.00} - {$170.00} = {$260.00}. 

I have confirmed this amount with the Posted Transactions for this period of time. The Posted Transactions do reflect my payment of {$170.00} and the reward {$14.00}. If you add up the Posted Transactions and the payments/rewards, you will arrive at {$260.00}, the correct amount to be billed. See enclosed screenshots. 

Solution : Have Wells Fargo correct their mistake and bill me for the correct amount of {$260.00}.
Consumer complaint received 2023-11-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COOLEY ENTERPRISES INC (TX)

I call multiple times in XXXX. I have yet received any information. I have called XXXX multiple times I have tried going to the post office them letters Ive filled out envelopes. Ill try finding errors in the contract.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

This is related to complaint case # XXXX US Bank is washing its hands of the matter, First they say they " Protect the customer '' when they accept checks ( without first checking if they are fake ) in 49 minutes! The first check was deposited on XXXX at XXXX XXXX and was accepted the same day at XXXX XXXX, the money was available and I was the victim of a fraudulent transfer of XXXX XXXX on XXXX at XXXX : XXXX XXXX, The same day they made a transfer of XXXX XXXX at XXXX XXXX. I wasn't even awake at that hour. They say they sent a letter about holding the check, but it takes days for that letter to arrive by email, when they were able to contact me by phone immediately. 

The second check was deposited on XXXX at XXXX XXXX and the bank accepted it at XXXX XXXX ( at least this one took longer ). On XXXX, two unauthorized transfers of {$1000.00} each were made, the first at XXXX XXXX and the second at XXXX XXXX ( after they reportedly froze my account ). 
Report fraudulent transfers on XXXX ( within 60 days ) Then, while I was waiting for a response about the stolen money, I called and made my address change on XXXX, to receive the correspondence. Attached is a screenshot of the email confirming the change of address. But on XX/XX/XXXX, they sent correspondence to my old address, exposing my personal information again, the bank already knew that I had been a victim of fraud and continued to compromise my personal information, plus I never received those letters because they did not change my address in the system. 
Finally, they said they were going to close the account and on XXXX a charge of {$82.00} was made, from an account that they were supposed to CLOSE and that is under investigation. Is this how they protect their clients? I'm surprised that the hackers haven't taken out more money, I say if that's how they " close the accounts '' they can still get money out of them. I demand that US Bank answer for the stolen funds due to its poor cyber security.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WV)

I graduated in XX/XX/2002. My loans were consolidated with XXXX which is now Navient. I have had to defer my loans at times due to financial hardship ( jobs at minimum wage, worked for XXXX at XXXX a year, laid off etc ) but I have NEVER been in default. For 15 years I have paid and I owe more now than I borrowed. Now I ca n't buy a home despite my XXXX credit score because of my student loan debt. The bank actually told me it looks like there is no end to when I will pay off the loans so they wo n't lend me money. I am living with my parents at XXXX and am so unhappy. I 've ALWAYS made my payments when I had money to do so and continue making payments. When I reached out to Navient - I got an email saying I HAD to pay my student Loans and I best not go in default etc - NO HELP!