davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NY)

I financed a bed with XXXX XXXX XXXX  that was damaged. they wouldnt take it back and stick me with the bill. I went back and forth with them and Acima Credit who had me DONATE it for remaining balance to be settled and not paid in full. I accepted the offer  and donated it with proof. and they are still coming at me in my credit report with XXXX   and making outstanding balances several times which dropped my score to THE 400s very poor which now effects my livelyhood and finances of buying my house. The problem is they lied over the phone. why would I donate my bed frame foot board and head board and pillows if they were not going to settle the payment and destroy my credit. now they want me to pay for something i donated. i have proof attatched and XXXX XXXX contacted them and they accepted this settlement as long as they had a tax ID number. imagine that.. they win double. tax cut, and a sale that was only good for them.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I have never applied for this credit card, I have never possessed a physical card for this account, and I never made or authorized Any charge to this card. My deceased wife ( passed XX/XX/2020 ) after a long battle with XXXX has always taken care of all of our finances. After her death, my children have been trying to help me get all my finances in order and after pulling credit we found many cards I had no knowledge of. Sadly this is a case of family fraud. What Im putting together is that my wife during treatments and on medication opened these accounts in my name and without my knowledge, authorization or permission. I should not be responsible for this balance. I contacted the bank and placed a Family Fraud Claim but sadly the bank said this was not fraud. The bank did confirm there is no signatures as this was an online application. How can a bank get away with opening an account in my name without my permission, a signature or any proof of who is opening an account? Now the bank wants to hold me responsible for an unexpected debt for items I never purchased and ruin my credit. This is not right and the Bank Must Make This Right! It should be the financial institution to be held responsible for their own due diligence when opening new accounts. 
The person we spoke to at XXXX XXXX  fraud department was XXXX XXXX.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021 TransUnion dropped 43 points. I am 7 days before closing on my house. I have never been late. Reported inaccurately.
Consumer complaint received 2020-04-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MD)

I found out on XX/XX/XXXX about information sent to collections through XXXX XXXX. I'm disputing the information being sent to a collection agency and appearing on my credit report as I was never advised of any invoice via mail or phone from National Recovery Agency ( collections agency ) prior to placing on my credit report. I never received a letter giving me the opportunity to validate the debt. 

I have contacted XXXX XXXX in XXXX of XXXX regarding the charges that were charged to me because the insurance companies XXXX XXXX and XXXX have paid the allowed amount of some of the charges and the other charges for the medicine they never billed the insurance company. I have called several times for months and they said someone from the billing department would contact me. 

Please investigate XXXX XXXX and National Recovery agency for failure to notify consumers and unethical billing practices.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

CHASE BANK DENIED CLAIM ON XX/XX/XXXX CLAIM WAS MADE ON XX/XX/XXXX DUE TO A TO A CHARGE ERROR ON CHASE BANK ACCOUNT. CHARGE OF {$700.00} WAS SEEN ON ACCOUNT FROM XXXX XXXX XXXX XXXX. CONTACTED CHASE AND CLAIM WAS MADE. 

CLAIM WAS DENIED ON XX/XX/XXXX CONTACTED CHASE AND REP. SAID CLAIM WAS SUBMITTED INCORRECTLY BY LAST CHASE REP. WILL SUBMIT NEW CLAIM AS FRAUD. 

CLAIM DENIED AGAIN ON XX/XX/XXXX CHASE STATED CLAIM DENIED DUE TO MANY OPEN CLAIMS. TRANS WAS FRAUD WHY IS CLAIM DENIED
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (IL)

We hired an attorney ( XXXX XXXX XXXX, XXXX ) ) through legal shield in XX/XX/2019. The attorneys wrote a letter of complaint that the Fay Servicing did not apply a credit of {$190000.00} to our account that was cancelled ( 1099C attached ) by the previous servicer ( XXXX ). 
Fay Servicing responded ( letter is attached ) essentially stating that we did not live up to our modification agreement by not being in good standing that was given us, so we forfieted the credit.However that was NOT TRUE, we have attached 12 months of bank statements paid to our previous servicer indicating our payments. 
We asked Fay Servicing why did we receive a 1099C if we weren't suppose to get the credit. They said in the letter of response to us, that they send them out as a FORMALITY. How could this be legal when we have to file these documents on our tax returns, which we did for that year. 
The attorneys that we hired said that we would have to sue to take it any futher and we don't have the funds for that. Please help us straighten this situation out.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.
Consumer complaint received 2020-03-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I've sent three credit report disputes to XXXX, XXXX and Equifax. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (NJ)

I called Westlake financial services, the company that finances my car, on XX/XX/2020, in order to defer my payment which is USD XXXX because our household income was reduced drastically due to the XXXX situation. I was told then that customers are receiving a 30 days deferment on their payments and that I should call 2 days before the due date which is XX/XX/2020, to request a deferment. On XX/XX/2020, I called Westlake financial services again and was told that they no longer approve deferments even though they have approved it for others. I requested equal treatment but was offered an extension of the due date by 4 days and to make half the payment and I am expected to find a way to pay the other half ( no deferment ). Equal treatment was denied by the company saying that this is the decision of the company 's president and they have reached their limit. I was not told about this limit and I actually called on XX/XX/XXXX and was not given this deferment. I have been making payments for 14 months on time yet I was treated differently from others. At a time like this with anxiety, financial stress, and a health crisis going on, it has been extremely stressful and disappointing to be treated unequally and unfairly on top of all that.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CUSTOMERS BANCORP, INC (GA)

I had written a check for XXXX XXXX and XXXX dollars ( {$210.00} ) to a telephone company XXXX XXXX XXXX XXXX ) and they deposited the XXXX XXXX and XXXX dollars check to their bank ( XXXX XXXX XXXX and XXXX XXXX  used the check to make a withdrawal transaction from my bank, ( BankMobile, a Division of Customers Bank ). The check was returned for insufficient funds by Bankmobile to XXXX XXXX  and to XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX redeposited the check and Bankmobile accepted the check and Bankmobiles account shows that the returned check was sufficient and it was credited to XXXX XXXX. However, The XXXX XXXX  shows that the check was returned the second time and no credit for the {$210.00} check. There is no credit of {$210.00} in either bank. 

On XX/XX/XXXX, I filed a complaint and an investigation was initiated with BankMobile and on XX/XX/XXXX the investigation was completed. I also made a requested to XXXX XXXX XXXX and the XXXX XXXX  to make a review of the transactions of the check for {$210.00}. BankMobile found no error in the transactions. On XX/XX/XXXX XXXX, I called BankMobile with another complaint about the case. I requested a reopening of the case. They eventually agreed to reopen the case. XXXX XXXX XXXX made another review too and their results were the same.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (AL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (AL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent a complaint to all three bureaus of accounts that are on my account that reported incorrectly and need to be removed because they are over 7 years removed from correct last active date. I've reached out three times to no avail. This is frustrating and it's depressing because I'm paying the consequences of it. I recently went for a job promotion but it was denied due to the invalid and incorrect information on my reports. I hope that this is that last time that I have to deal with this.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am very disappointed that i am having to go through this process once again. I recently called Capitol One about my two accounts and explain that my business has been severely affected by the COVID19 coronavirus in early XXXX. Upon speaking with a representative and explaining the situation i was told i would be receiving relief from my two accounts until i believe either XXXX or XX/XX/2020. It is now XXXX had i just got an alert via my credit report that i have been late on payments and my score has now dropped XXXX   points on all 3 reports. I was in the middle of refinancing my home to balance out debts and i wont be able to do this now.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (KY)

XXXX : I wired {$10000.00} USD to my new BinanceUS account from my bank per BinanceUS instructions and using provided Ref Code. 

XXXX : My bank confirmed wire went through - I opened a BinanceUS Support ticket when the {$10000.00} did not post to my BinanceUS acct per BinanceUS stated service level. 

XXXX : BinanceUS Support replied via email requesting proof of wire transfer and BinanceUS Deposit Order Submission which defines the BinanceUS Ref Code. 

XXXX : I provided the requested documents via email reply. 

XXXX - XXXX multiple email exchanges with BinanceUS Support requesting that my {$10000.00} be returned to my bank. The money was never posted to my BinanceUS acct and has yet to be returned.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I reached out to the CRA ( Equifax ) via a certified letter on XX/XX/2019. In my letter, I asked if they ( Equifax ) would update/correct my personal information on file with their agency, which included removing ALL non-deliverable names, addresses, phone numbers, and employers. To this date, the CRA ( Equifax ) has NEVER responded nor corrected my request.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Franklin Collection Service, Inc. (CT)

XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through XXXX XXXX XXXX on XX/XX/XXXX and again through Franklin collection sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of  the reporting agencies needs to be removed. And they need to stop re reporting it as new.
Consumer complaint received 2020-04-09
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (PA)

Navient -improper billing procedures. When request for financial hardship application was submitted I was told it would be weeks/months before I would get the application, but not to worry as I would be placed in forbearance in the meantime. Was then reported past due, both 30 days and 60 days at the same time after no application was received. When I called to ask why this was, I was told I would receive a letter showing my accounts in good standing and my credit report would be amended within 90 days. 5 months later and I since was told to request the amendment in writing after it didnt fall off the report within 90 days. After 29 days I called to ask what the status was and was told they have 30 days to respond and still had no answer. They received the letter on XX/XX/XXXX and have sent no response as of XX/XX/XXXX ( 34 days ). They are now refusing to amend reporting, stating that it is accurate even though the original issue stemmed from them not sending bills in the first place. In 7 years Ive had XXXX missed payments on any accounts now, as I was in the process of buying a home, my rekey shows XXXX missed payments and they refuse to amend this. They also through the years have steered me to deferments and forbearance instead of income driven repayment plans and finally ( while they were steering me towards yet another deferment ) I demanded an IDRP. I believe they are intentionally leading away from payment plans so that the interest builds up and I also believe they have practices that lend themselves to default/late payments.
Consumer complaint received 2020-04-09
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: AMERICAN EXPRESS COMPANY (FL)

I have called American Express seven times explaining that I can't make my monthly payments due to hardships from COVID-19. But I seem I don't have a voice because I can't pay my bill on time. The stress from American Express is so bad I am having panic attacks. Maybe if I drop dead then my problem will go away. Account Ending XXXX Past Due Amount : {$6000.00} and Account Ending XXXX Past Due Amount : {$780.00} on the second account. 

Any help would be nice. 


XXXX XXXX
Consumer complaint received 2020-03-29
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: Navient Solutions, LLC. (AR)

I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND XXXX  PROVING SUCH. XXXX  AND XXXX  KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

To whom it may concern, This is my second request and complaint. 

Your company reporting a collection account ron my credit reports. According to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety, and you need to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature that I have with this company A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 

ALL statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If you can not provide everything I ask for to validate the account, then you are to remove the collection account from my credit reports. If you will not remove it. I am a litigious consumer and have every intent to sue for violations of FDCPA.
Consumer complaint received 2020-03-29
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: Reliable Auto Finance, Inc. (FL)

XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with XXXX XXXX XXXX.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (MI)

WE have had several leases through other finance and car companies. This was my first experience w Ally Bank, with terms and conditions like no other finance company. 
I assumed a the last 30 months of transfer car lease through Ally Bank. I contacted Ally in XX/XX/2019 to understand lease end terms and options for the end of the lease in XX/XX/2019. I was offered a lease extension for 30-90 days at {$150.00} over the usual lease payment ; a payment increase was not mentioned in any phone call, let alone an increase of that size. I was told that anytime during my lease extension, I could turn in the vehicle at a dealer. We turned in the vehicle, to the original dealer, 30 days into the extension. I contacted Ally to inquire about the inspection and I was told at that time ( not before ) that I was responsible for the vehicle until it was sold at auction. They were aware that the car had already been turned into the dealer - this seemed odd. since they also told me that sometimes this auction could take up to 90 days. I called again and asked again about the inspection and was told the first inspection was incomplete, although no one could tell me why and they were unaware why another inspection had not been scheduled. I requested that they schedule another inspection. 2nd inspection was completed 7 weeks after car was turned in. In the midst of all this Ally changed computer systems, which every Ally person I talked to, has been an issue. I received a letter in XXXX XXXX nearly 8 weeks after was returned ) stating that I owed over {$1600.00}. The letter stated that the car had been smoked in ( I do not smoke ), only one remote was returned ( both remotes returned to dealer ) and that I agreed to a 90 day extension, even though I had been told by several customer service people prior to the extension and after that I could return the vehicle at anytime. I have over 30 phone calls prior to the end of lease and after the end of lease and have talked to over 10 Ally departments. Misinformation and incomplete information has been the norm.