davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

XX/XX/XXXX Funds transferred via moneygram money in minutes reference : XXXX amount sent : XXXX USD+XXXX fee : total : XXXX USD / recipient to receive XXXX CND Receiver went to pick up the funds. Funds were unavailable new reference number provided on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX receiver called moneygram. Funds were still unavailable. Receiver provided with a complaint number : XXXX and promised on ( XX/XX/XXXX ) that funds would be available within 48 hours maximum. 

XX/XX/XXXX funds still unavailble receiver called money gram and ask to cancel the funds. Was told that sender ( me ) had to call for a cancellation or refund. 

XX/XX/XXXX I contacted moneygram and was told that a refund could not be issued that only the receiver could initiate that. 

XX/XX/XXXX receiver called moneygram and was told that only the sender could request a cancelleation XX/XX/XXXX : contacted moneygram, spoke with supervisor XXXX who informed me that only the receiver could request a cancellation. 

This is a critical time, I tried to send money to my son with the COVID 19 he has to be quarantine, lost his job on XX/XX/XXXX and has a XXXX XXXX XXXX XXXX XXXX. He needs the money now more than any other time in life. Moneygram has not resolve the problem and the money is still unavailable when the transaction was paid in full. He called Moneygram 9 times since XX/XX/XXXX and I called 3 times with excessive wait time on hold. I wish for the funds to be return to me so I can use a different method to send the funds. They are unwilling to do anything to solve the issue and quite frankly, I do not have the money to resend another XXXX cnd. I too lost my job and have absolutely no income. 

Thank you,
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I spoke with Lexus financial regarding my car payment which is XXXX I told the rep after being in the hospital I only have XXXX to pay would that be ok as I was XXXX short she said thats fine I asked her would it still be considered a late payment she said no just get the XXXX in as soon as you can this was on a XX/XX/2023 I called back Monday XXXX  and the account rep told me the account is reported 30 days late on my credit because of the XXXX thats was delinquent but in speaking with the representative they offered me a deferment on the account and said I should have been offered one previously and they proceeded to tell me it would be XXXX to process it which does not go to the payment its just a fee for processing the deferment however the phone hung up in the process of making the payment I called back to see if it was processed or needed to be done again I went through 2 more representatives which one of them put me on hold and hung up I spoke with one lady saying it would be {$170.00} and not XXXX I was really confused because I already got a confirmation of a payment via email for the {$200.00} I told her that then she proceeds to say your in the wrong department I really dont know let me transfer you? Which was really confusing she also told me I could get a deferment again However my complaint is had I known I could get another deferment I would have used the XXXX and some change on that not pay Half the car note and still get a 30 day late and still pay XXXX for a deferment which could have eventually just went towards the lease payment due to me being on medical leave my checks just came in late was I being ripped off I feel as if Lexus financial kind of scammed me with this one And the representative told me it wasnt going to be late credit reporting because I paid more than half on it and was just due for XXXX which when I called back that was untrue and the last lady I spoke with was very rude and she didnt even want to explain things clearly without breathing hard and being rude I spoke with Lexus financial for 3 hours on Monday with everyone giving me a different story how is this possible
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (FL)

I received an email for a settlement offer on XX/XX/2020 from AmerAssist in the amount of {$270.00}. On XX/XX/XXXX, I mailed out a money order for the settlement offer of {$270.00} at the United States Post Office.  This was scheduled to be delivered on XX/XX/2020 before the due date of XX/XX/2020. However, due to COVID 19, there must have been a delay in mailing. I have no control over the post office mailing. This payment has not been honored and does not reflect as settled on my credit report. AmerAssist is still sending harassing emails for payment when payment has been received according to the tracking information. They are refusing to honor the settlement.
Consumer complaint received 2020-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (NJ)

The debt was discharged and remove from my credit report after correcting the situation with XXXX XXXX. The account is over 7 years, the car was auction off and debt was settled. This company is reporting {$21000.00} the cost of the car, making the amount owed wrong. I have disputed this with the credit bureau 's it was removed and placed back on my account, ow they won't let me dispute it again. I don't have a complete account number. The company never contacted me, the debt just show up on my report. : XXXX XXXX Deville Assest Management XXXX XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Acct XXXX Report # XXXX I have worked hard to keep my credit in good standing, I tried to apply for a loan, turned down because of this. Also, this is how I found out they were on my report. Please help me solve this issue.
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mountain Land Collections, Inc. (AZ)

This person has called my employer, myself and my wife. She is relentless and sneaky. When I returned her call she said she " couldn't find my file ''. We have NO clue what debt she believes we owe, but the amount of phone calls we've recieved is ridiculous. She told my boss " I would know who she was '' .. which I don't. We have no idea what debt she's attempting to collect and request to file a formal complaint for violating our consumer rights. The person calling is calling from XXXX and says her name is XXXX XXXX.
Consumer complaint received 2020-03-31
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX   XXXX  XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-01-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

For five months I have sent documents for temporary XXXX deferment to Navient. They have refused to process. Each time, they claim something is wrong with the application, and it must be resubmitted. My doctor has submitted proof of XXXX along with dates, which were for only a year. I have also submitted proof of long term XXXX monthly payment. That was not good enough either. The last time they state I must apply for total permanent discharge even though I havent been declared permanently XXXX. Now the loan is due and they are forcing me into default despite me sending documents 12 times. When I called several times regarding this matter, they have stated they are working on it. Then someone named XXXX XXXX from Navient emailed me stating she was an advocate from naivent and would be assisting although all the emails simply state, she is working on it, and the last one stated she is going on vacation which would place me in default despite me following timelines and submitting all documentation for a deferment. Im not working, am XXXX and can not make any payments. This is unethical, illegal and Inhumane.
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

Due to XXXX I lost some work and my husband lost his job and we incurred a lot of credit card debt. I tried hard to keep my XXXX XXXX XXXX and pay my debts but it was overwhelming. I looked online for help and found XXXX XXXX XXXX. I signed up at the end of XXXX and they told me that I would submit my debts to them, stop paying them, and in 2 months they would make negotiations with my creditors. until then the money I paid them each month would go into a savings account to pay all my creditors. So after two months, I noticed my debts were not negotiated so I called them and they told me they were in negotiations with one creditor. I asked when the others ones would, and they said it takes 3-4 months not 2-3 months. They said the last person I talked to was wrong. So I waited another 3-4 months as I watched my debts not get paid and credit score drop. I called again, I was told it takes 5-6 months. So again, I waited, I get to month 6 and call again. This time I demanded to see a copy of the savings account where all my money was supposedly going. the one creditor they were paying they told me they only paid them XXXX a month and I was paying them XXXX a month. They sent me the statement, and it had a ton of fees taken out each month. I said, so you are telling me that you pay the XXXX and all the money I have sent, thousands of dollars now, has only went to pay your fees. there is no money left to pay my other creditors even if you get in a negotiation with them. for the first time they admitted to me that yes I guess there wouldn't be any money left or to do negotiations with the other creditors for two more years. I said, well I could have been paying them and you kept telling me not to and kept telling me to wait. I asked that they took notes of the call and make sure to state all that was said. I was scammed big time. I had made several calls to them throughout the process only to be told the same thing, they are working on negotiations. but they were not. I lost a ton of money, I lost my good credit, and I am now in a worse situation because I don't even have the credit to get a loan to help me pay off my debts. I have cards that I did not submit to them in good standing, and I am so happy I didn't. I can't believe this happened to me.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

Dear [ I.C. System, Inc ], I am writing to dispute the validity of the debt you are attempting to collect, as governed by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692. I dispute the following information : I.C. SYSTEM, INC Original creditorXXXX XXXX XXXX XXXXT Balance {$480.00} Balance updatedXXXX XXXX XXXX4 I am requesting that you provide me with detailed information on the alleged debt, including the original creditor 's name and address, the amount owed, and any supporting documentation that validates the debt. 
Additionally, I am aware of my rights under the FDCPA, and I request that you cease all communication with me regarding this debt until you provide the requested information. 
Under 15 U.S.C. 1692g, I am entitled to receive written verification of the debt, and I expect your prompt response within 30 days of receiving this letter. Failure to provide the requested information will compel me to dispute the debt with the appropriate authorities. 
Please consider this letter as a formal dispute, and I look forward to receiving the necessary documentation to validate the alleged debt. 
Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (CA)

Dera Sir /Madam A couple of weeks ago, I signed up for driving at XXXX and consented to a back ground check trough Check r the time frame to produce this background report is way due, they continuously keep denying the results of this report with generic messages apologizing for taking too long, this is affecting my ability to attain gainful employment, can you please help
Consumer complaint received 2020-03-21
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. (IL)

Transunion had removed this account then when I asked XXXX  to update their info as Transunion has it all of a sudden appeared back on my Transunion report, I've asked for months for a copy of the signed contract from XXXX and still Transunion has not complied only saying its been verified. I am a victim of identity theft and I have sent in the affidavit. I would like to resolve this inaccuracy
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Sears informed me they would cancel the late payment fee XXXX as a courtesy and good faith. I followed up with them today XX/XX/20 because I noticed on my statement that the late fee XXXX was never waived as promised. I was informed that instead it was tackled onto my monthly payment for the month of XXXX and that it needed to be paid. Sears needs to keep their promise and waive that fee as soon as possible. They are also not adhering their message regarding Corona Virus and are imposing late fees to all customers
Consumer complaint received 2020-03-31
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. (TX)

The things on my credit report are wrong or not mine due to Experian being hacked by XXXX mine and million 's of others, a breach in contract.you have 7 days to respond and if haven't heard back in 7 days I'll take it that all credit has been repaired thank you for you timely response .Thank you for your assistance in dealing with these issues. Respectfully XXXX XXXX
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Compass Recovery Group, LLC (CA)

The company contacted me and left a message instructing me or my legal counsel to contact them immediately. I have not received any written correspondence about debt from this company, and they did not identify the phone call as an attempt to collect a debt. To my knowledge and according to my credit report as of XX/XX/2020 I do not owe any debt in collections or otherwise. The company, Compass Recovery Group, has a number of complaints on the XXXX XXXX XXXX detailing my exact scenario, with other people confirming they insinuated they'd be sued/imprisoned for not paying the unvalidated or already paid debt. They have also had people call consumers from an unlisted number, thus rendering it untraceable, to pretending to be process servers coming to serve papers at either their residence or job. Further, they have called me daily multiple times a day from various spoofed numbers from area codes in my state attempting to get me to call their ( XXXX number which is linked to an unverifiable location in XXXX, New York.
Consumer complaint received 2020-03-31
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. (GA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX    XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX  XXXX {$20000.00} XXXX XXXXXXXX XXXX  XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT EDXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  XXXX XXXX {$320.00} DEPTEDXXXXXXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

It started as a romance email scam. The perpetrator XXXX XXXX contacted me on XXXX online app. He promised me marriage and a family. He resides in XXXX, Maryland XXXX. His phone numbers are XXXX and XXXX. Has a XXXX  XXXX  business XXXX XXXX XXXX XXXX XXXX with XXXX XXXX co-owner. XXXX supposedly traveled to XXXX, XXXX for work in XX/XX/2019. His trip was extended supposedly, and he requested {$2000.00} usd money to be wired to his manager Wells Fargo account # XXXX. I used my XXXX XXXX XXXX account for this. 
He promised to repay upon arrival to the US. A few months have gone by therefore, Im reporting it now with all the information gathered.
Consumer complaint received 2020-03-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (PA)

The amount of money going toward the principal was really low and quite unexpected. I paid {$1200.00} over 3-4 months and only {$400.00} went toward the interest. Now it is after the first 100 days and the interest rate went up to 114 %. I will be paying this loan forever and keep getting deeper in. They take {$140.00} every other Friday on a XXXX loan! The final payback amount is {$3800.00} at this rate. No one told me when I went to the mechanic shop that I should just go sell my car. Even after the repair my car ended up having another $ XXXX repair a few months later and with more knowledge, I went right to a dealership and sold it as it. No repair. No additional loan. So now I have a new car and new car note of {$400.00} but have to pay {$310.00} a month on this ( {$700.00} a month if I want to avoid the predatory interest ).
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$0.00} US DEP ED XXXX {$0.00} US DEPT ED XXXX {$4000.00} DEPTEDXXXX  XXXX {$2700.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$0.00} US DEPT ED XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX XXXX {$1200.00} US DEPT ED XXXX {$2500.00} DEPTEDXXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX {$1800.00} US DEPT ED XXXX {$8500.00} XXXX XXXX {$430.00} DPT EDXXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX  XXXX XXXX {$320.00} DEPTEDXXXX  XXXX {$9400.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (VA)

I had a mortgage with DITECH and paid direct deposit from my XXXX monthly with no lapse in payment EVER. DITECH sold out to XXXX, which I have now started making my payments and actually paid both DITECH AND XXXX for the same month. apparently DITECH was to ensure all my payments were forwarded to XXXX, but now XXXX is claiming they did not receive MY payments. I have proof on my bank account statements of all my payments which are up to date. I can not get through to DITECH, I imagine they are gone, but XXXX is no help. please assist me with this Issue, I can provide my bank statements for proof.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Hello, my name is XXXX XXXX, I have a very serious issue with my servicer SN Servicing Corporation. They will not stop the sale on my home scheduled for XX/XX/2020 despite what our President of the United States of America Donald Trump ordered this week, that all foreclosures and evictions are to be suspended. SN Servicing Corporation are not following the Presidents order and are in clear violation. 
Due to the Corovavirus ( COVID-19 ) I am unable to make any payments, phone calls, file any documents or mail any documents as of today the Governor stated no one should be outside. We all are to stay at home. If my home sells, I and my XXXX  wife will become homeless in such a national emergency. This is a huge threat to I and my wife are in great danger of contracting the Coronavirus if we will not have a place to live. 
This is a very serious matter and has to be taken seriously as our lives are at stake.