davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I mailed a certified letter to XXXX and Equifax see attached document. 

I asked XXXX to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote Equifax and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

{$350.00} Ive disputed this account several times asking for validation at this time Ive only been sent an itemized letter in response, no documentation bearing my signature was provided as requested by neither the creditor or credit bureaus. At this time I am seeking legal counsel for this matter as it gendering my success in building credit.
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

XXXX XX/XX/XXXX I called USAA/XXXX to ask why there were so many " payment reversals '' on my account and why the XX/XX/XXXX payment posted, was reversed and re-posted for a different amount ( higher interest and lower principal ). Came back to the account on XXXX XX/XX/XXXX and USAAXXXX had moved a monthly payment ( amount $ XXXX principal XXXX interest XXXX escrow ) and moved an additional principal payment ( amount {$170.00} ) from the date XX/XX/XXXX into an escrow payment. 
I have been trying since that date to get this reversed. I was told that this was done at my request. I do not think that I requested this. It does not make sense to me to move money from principal to escrow years later. The mortgage company will not allow me to hear a recording or see a transcript of the call without a subpoena ordering access to such. Further, I am told, if I present a subpoena for this, it is considered that I am being represented by a lawyer and the mortgage company will only speak to that lawyer about my mortgage and not to me directly. I am told that is not a written policy that I was presented before I entered in to my mortgage with them and it is not in any of the forms I signed at my closing, but it is " more of a policy '' of XXXX/Nationstar ''. 
USAA does not claim any responsibility for XXXX 's actions, except they claim to have reviewed the phone call and verify that I asked for this money to be transferred. This person 's name is XXXX XXXX. He and I spoke on XXXX XX/XX/XXXX and he was going to reverse the {$1100.00}. 
Other people that I spoke to at USAA or XXXX : XXXX : first person I had contact with moved the money initially and told me he would move it back. Never made contact with me again. 
XXXX : spoke to her on XXXX XX/XX/XXXX XXXX : spoke to him on XX/XX/XXXX, told me he initiated the reversal and would take 3-5 business days. He set a call back for me, left me a voice mail. I called back because the transaction was not completed. He then told me it would be done in 24 hours. Was not completed. 
XXXX : XXXX XX/XX/XXXX promised it would be fixed 2-3 business days. Called XXXX XX/XX/XXXX was promised 2-3 business days. 
XXXX : XX/XX/XXXX was told " there is no law '' stipulating this has to be fixed in any time frame. His " manager '' XXXX XXXX told him it will be done " next week '' guaranteed. 
This still isn't fixed. 
I did not know that payments from 2 calendar years ago could be moved into the escrow account. I do not know how much clearer I can make it that I do not want payments from XXXX moved into the XXXX escrow account. I do not know how much longer I should be expected to wait for this to be corrected. I do not know how much longer is considered reasonable. I do not know if USAA/Nationstar is being truthful. I have recorded most of our conversations after learning of their " subpoena '' deal. 
I have attached the 2 statements, as the account was on XX/XX/XXXX and on 5 XX/XX/XXXX ( after they moved 2 payments into escrow ).
Consumer complaint received 2019-03-27
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. (FL)

I have disputed a Chapter XXXX Bankruptcy that is being reported on my file in error. I have requested numerous debt validation request without any response and even contacted the US Bankruptcy Clerk of courts who advised that The bankruptcy courts do not provide information to the credit reporting agencies. The credit reporting agencies, or other information providers, collect information regarding bankruptcy cases from the courts public records. I also pulled a copy of my credit reports and the public records do not even provide the US Bankruptcy Court District that supposedly has the record on file or an accurate case number. I have actually been in communication with Equifax, XXXX, and XXXX  since XX/XX/2019. I am requesting how this public information has been validated and requesting to have it removed from my credit report.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TX)

To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. 

Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate this.
Consumer complaint received 2018-05-03
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. (IL)

i called chase to file a claim against these unauthorized transaction and after review they denied the claim due to cause : mentioned i used this merchant in the past Merchant : XXXX XXXX # XXXX XXXX in transaction date : XX/XX/2018 amount : {$2100.00} claim filed date : XX/XX/2018
Consumer complaint received 2018-05-03
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: CL Holdings LLC (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX XXXX Account # XXXX Im filing a complaint because this is not a valid debt and it shouldnt be in collection. This bill is stemming from a disagreement over an early termination fee. I was told in person by a representative that they had to put me in a contract for a promotion to take effect but that it would not have an early termination fee. They went over that two times to my face in person. I did not read the fine print because I completely trusted the representative. I cant help but feel completely duped here since I was misled by one of their Customer Support. 

I am in a very difficult situation now, being the only provider for the family. I have to work hard and provide everything for them. I have a sick mother to take care of and I need to buy a home that can accommodate her medical need and one that is in closer proximity to the treatment center she visits weekly. This collection account on my credit report is the only thing that is preventing me from moving forward on this. Its beyond frustrating.

I would sincerely appreciate if they would submit a request to remove this account from my credit history.
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Simple Cash Loans, Inc., (CA)

I went to meet up with a rep of XXXX XXXX in XX/XX/XXXX to getting a loan using my car as collateral and ask for XXXX , prior to asking the man on the phone *XXXX* said that they would need to put a gps on my car and only give me XXXX $ cause of fees for stuff about dmv and titles. So I ask XXXX and XXXX was skeptical over phone and said hell ask his associates and come back saying okay but youll only get XXXX cause of fees and stuff. As I was talking to his assistant to sign paperwork to make it official they told me that normal title loans youll pay interest rate like any other title loans. So when the assistant went over the paperwork with me on her computer she said an estimate of XXXX I would have to payback with no time frame prior paying back so it sounded reasonable me cause I borrowed a bit more and would have to pay a little more from interests and fees. So months went by and I started to notice that the balance I owe wasnt going down and email them saying why it kept going up and down on my payoff balance account and they respond that it changes daily on my account. Didnt think about it too much and forgot about it. Come about a year later Im stilling paying it so I look about my copy of paperwork and notice that they gave me XXXX $ and the APR is 128 % over 36 month time period and after Ive done payed off my total would be over XXXX . Ive email them about this and gotten no respond as of XX/XX/XXXX
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certegy Holdings, LLC (GA)

I am reaching out because I was contacted through XXXX XXXX XXXX XXXX XXXX and Certegy for a debt that is not mine. I initially filed a complaint against the collection agency. They came back with some information that was XXXX and old, so now I am going after the initial company with hard based facts. I do not owe any debt to Certegy or the collection agency for a business that I was connected to for a domain name. They state that there was a website purchased and/or initiated for in XXXX. The business was dissolved in XXXX and that is proven by information on the secretary of state website in GA. Also, in a recorded call, the rep reads off a drivers license number that does not belong to me. No of this belongs to me. I have already reached out to XXXX corporate office to see if there are any active accounts under my maiden name and married name. If they are, they are fraudulent. I am stating that communication by Certegy and XXXX XXXX XXXX XXXX XXXX are ceased immediately unless they state that they are removing this debt from underneath my name. Outside of that, there is to be no communication by mail, email, or phone to me at all.
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

My loan has been in deferment since XXXX. I am a XXXX, full time XXXX XXXXt, and XXXX % service connected XXXX. This year, especially over XXXX, XXXX, and XXXX XXXX, certain loan amount have doubled or otherwise increased, and been reported to credit agencies. I have submitted requests for deferment and for 2 years was making payments on my loans with no decrease. My loans are not supposed to increase during deferment and enrollment full time, and I have taken no other loans which would compound current amounts. This change is fraudulent and the fees are exhorbitant. One of the loans increased from XXXX to XXXX in the space of one month. This is unacceptable and I demand Navient and her subsidiaries correct this error and adjust the fees as federal statutes outline.
Consumer complaint received 2024-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Ave Student Loan Servicing, LLC (AZ)

I do not receive emails/mail about billing. thought the loan was written off. i tried multiple times to reset password using my social security number and says there is no account matching my social security number. I get transferred to the account/billing team and it gets sent to a voicemail that is full. Ive tried many times over the past years, last time was XX/XX/24.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/22 I received a bank card I had not applied for from XXXX XXXX. On XX/XX/22 my XXXX XXXX sent me an alert informing my SS was found on the dark web. On XX/XX/22 XXXX XXXX sent a text asking that I approve a payment. I did not make any purchases with a XXXX XXXX card. It became clear to me my identify was being used by someone. Fraud.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

Wells fargo closed all my accounts because my ID in record with them expired. They closed my account this morning. I spoke to numerous people at wells fargo today and was told that my accounts that were closed this morning can not be reopened. I was told that i needed to open new accounts ( does that sound familiar? ). I have three personal accounts, one checking, two savings. I have 2 business checking accounts for two different LLCs. One account i had since XXXX. 

I am sure that i am not the only person affected. Imagine the millions of people that have not been to the Wells fargo branch in years. I feel like they're doing this to drive foot traffic to branches to sell people stuff. 

Last time i was at a branch was XX/XX/XXXX to open an llc business account and i provided my valid ID. 

I was not provided any notice that my accounts were going to be closed.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc. (IL)

on XX/XX/XXXX I worked with PROFESSIONAL DEBT MEDIATION to close a collection account. Together we negotiated a PAY for DELETE on this collection account as It was given permission from XXXX XXXX XXXX. On XX/XX/XXXX I made the payment of {$200.00} to satisfy the collection account and told PDM would reach out to all 3 credit bureaus and remove any trace from the collection account on my credit report. 

On XX/XX/XXXX, i reached out again to see why there were no changes to my credit report being as we negotiated a pay to delete. I was told that my inquiry would be sent over to XXXX XXXX at XXXX. XXXX would reach out to me regarding my concerns. 

I did not hear back from anyone nor did anyone from PDM call me. I then reached out 5 days later on XX/XX/XXXX and asked if there was someone else that could assist me. I was then sent a letter via email with the date of XX/XX/XXXX ( see attached ) That PDM send to the credit bureaus i'm assuming? 

I paid the account off on XX/XX/XXXX. Why does the letter being sent to the credit bureaus have a date of XX/XX/XXXX? This means they never sent the letter in the first place. They didn't do their job to close the account and give work to the credit bureaus. Why should i be emailing them over and over to have them do THEIR job? I should not have to do that. I
Consumer complaint received 2018-05-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

I attempted to try and settle my account with XXXX XXXX or Santander. They have failed to try and work with me. I have sent them Goodwill Letters to settle for what I knew I was behind prior to ME surrendering my vehicle. They did not initially want the vehicle back, they were trying everything to get me to keep the vehicle. At the time when the vehicle was purchased I was in need of a vehicle and they were just about the only place I could get a vehicle from without a high down payment. I thought I was able to manage a {$470.00} car payment, and I kept asking the sales rep, could I get the vehicle refinanced after 6mths or so t lower the payments or interest on the loan of the car. I was told yes, but after contacting XXXX XXXX I finally realized that I would need to keep the vehicle a complete year before I could think about refinancing. So that's when I realized it was either me lose my place or lose the car. I decided to call them and surrender the vehicle. They stated they would sell the vehicle at an auction. I believe it was sold for $ 10,000-11,000. According to a my credit report. But after that they never contacted me to work anything out. Now here a year plus later, they are damaging my credit ratings to the point I can't get loans or anything because it s sitting there reporting derogatory things. Every month the balance goes up and a comment is posted to my credit. This company would rather damage your credit rating than work with you on settling the account. And then another thing, they never tried to contact me anytime after the sell of that vehicle. I never received any mail from them, no phone calls or anything with settling the account. I also was not informed that XXXX XXXX was now owned by Santander until some recent post popped up on the internet. But they want to be know as a good and honest company who works hard for their customers. That is a lie, they work hard for themselves and no one else. Long as they getting your money and your credit rating that's all that matters. My advice to anyone who is the market to buy a car, DO NOT GO TO SANTANDER OR XXXX XXXX. They are nothing but the XXXX, and they do not care about you.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (TX)

XXXX  reporting false information on my credit report this account does not belong to me and should be remove immediately the address and info is not correct ive have filed a police report and XXXX  report in regards to this matter
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BAS Receivable Management Inc. (CO)

XX/XX/2018 Phone Call to Me : Representative was patronizing, told me I provided her the incorrect answer when being honest about my financial shortcomings. Lectured me on how it was wrong to not pay my bills just because I don't have any money to do so.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (ND)

First National Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-02-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (TX)

This is follow up to complaint # XXXX Navient XXXX XXXX trying to collect on a loan that was paid in full in XXXX  as confirmed by XXXX XXXX they are reporting false information and harassing my XXXX XXXX XXXX mother who lives in a senior facility. Who does this. Why wait years to collect. If something was owed say so XXXX years ago. You didnt because its not owed. Stop sending collection letters. Update our file. Report correctly to the credit bureaus both loans ending in XXXX and XXXX. Both were paid in full on XXXX They say {$2300.00} owed then send her collection letters for $ XXXX. What kind of illegal XXXX is this. Didnt you just get sued for illegal activity. This is why. You got your money. Stop trying to say you didnt.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-12-13
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, XXXX XXXX  XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX,
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (GA)

Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.