davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (CA)

I received a random email for the first time today, for an outstanding debt owed in the amount of {$690.00} and an account number, no other information given, no prior communication from this Company. Looks like a scam, as I have NEVER heard of this company before. I call the courts and they advised that they have this company as a third-party debt collector, however, they show no outstanding balances owed. Apparently, this is for an outstanding debt from 2013 to a Superior Court, for a traffic ticket, bogus! I have never received ANY type of written notification for any outstanding debt, within the 5-day period, MANDATED BY LAW! 

I call the company MSB ( Collection Agency ) and the gentleman on the phone tries to state that he is needing my current address to send me notification of the debt. The debt is over 8 years old ; I should have been notified immediately of ANY third-party company with my information that they were using, to try and collect a debt. He stated that they did notify me. When asked he could not provide the address. If he has sent prior written notification, then when wouldnt the Company have my address on file? I called the courts and they have my record of current address on file, and no notification of this outstanding debt and to contact the collection agency personally to resolve, which I did. 

Although this is NOT even a valid debt, California statute of limitations states the following : " California has a statute of limitations of four years for ALL debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. '' This debt is over 8 years old, with no record of nonpayment, any break of any contractual agreements either verbal or written. NOT VALID!

Not to mention the California law below, which reads : Within five days after a debt collector first contacts you, it must send you a written notice, called a " validation notice, '' that tells you ( 1 ) the amount it thinks you owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing.

Again, nothing was provided to me and this is the first I am hearing of it. Its not on my credit report, because A. ) Not a Valid Debt, B. ) No written notification of that debt was every received to process, and C. ) It has a 4-year limit on it for collecting any outstanding debt, which would make their debt completely invalid, on that reason alone.

They were advised by me to remove this invalid debt, without supplying any actual proof or record of, and to send me a letter advising this was an error and it has been resolved with no outstanding balances. 

Refusal was given, so I am now forced to file this submission of complaint, that I wish to have resolved as soon as possible, please.
Consumer complaint received 2019-10-14
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. (AR)

On XX/XX/2019, ( confirmation # XXXX ), XX/XX/2019 ( confirmation # XXXX ), XX/XX/2019 ( Confirmation # XXXX ), and XX/XX/2019 ( Confirmation # XXXX ) all are copies of my Equifax credit report that I received from Equifax in regards to a recent dispute regarding account XXXX. Equifax has and continues to violate my consumer rights with the continuance of reporting this fraudulent/inaccurate account to my credit file. I've attached a copy of the police report along with my initial dispute indicating account XXXX in question which requires accounts established through identity theft or fraud to be blocked within 4 business days upon receiving per section 605B. It has been well over 30 days and Equifax has neither provided me with any physical documentation with my name or signature as means of accurate verification. In addition, Equifax has the incorrect address information ( XXXX XXXX XXXX, XXXX XXXX, AR ) pertaining to account XXXX listed on my Equifax credit report which also is considered inaccurate information and another violation of my consumer rights.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I ordered VIP and bottle service at a club ( XXXX XXXX XXXX ) on XX/XX/24. After paying for the VIP section I was told that there were no more tables available and was offered another service. I did not want the other service and was then told that I would not receive a refund. I disputed the charge with chase bank but they later reversed the charge stating the club provided a receipt. I dont care if they have a receipt I never received the service. I have been banking with chase for over 10 years and have never filed a claim. This is ridiculous.
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (GA)

My recently deceased adult daughter who was still on my medical coverage went to the dentist last year ( XXXX ). The dentist office, reported it to my credit instead of hers. Despite never receiving a bill. 

I'd moved to XXXX from XXXX  with a new number and never got a call or letter about an unpaid balance. When I recently moved back to XXXX and applied for a car loan on XX/XX/XXXX, I was denied due to a collection. I called the original creditor listed and was advised that that the bill was from my daughter and explained that she had passed away. The receptionist even stated that I'd never missed a bill and she was shocked. 

Since I intended to return to the dentist now that I was back in XXXX, I paid my daughter 's balance of XXXX {$200.00} on XX/XX/XXXX. I called the collection agency reporting the debt, Carter-Young Inc of XXXX, Georgia on XX/XX/XXXX and reported that I'd made the payment directly to the dentist and that the bill was not mine in the first place and should not have been reported on my credit bureau. 

I waited a week, until XX/XX/XXXX to call the dentist office back and asked about it not being removed from my credit bureau reports. On, XX/XX/XXXX I got alerts from each of the credit bureau monitoring programs I'd signed up for after the denial, that the account had been updated as unpaid. 

I called the dentist office on XX/XX/XXXX and she confirmed that the doctor had indeed gotten a response back from the collection agency that it was removed. I called the collection agency back and again I told them that this debt was never validated with me as the patient instead of my daughter, I didn't accompany her nor sign any documentation for that visit. I advised that it should not have been reported and was told it " should have because I should have paid it ''. I advised that I'd be filing a complaint and was told that the account was reported on XX/XX/XXXX to the credit bureaus, that they received confirmation from the dentist office on XX/XX/XXXX that it had been paid and not my account. I then asked, so why report it on the XX/XX/XXXX as not paid? 

They've had the receipt information and still reported an invalid debt on my credit report after notification from myself and the original debtor. I was told if I report it or dispute it that it would take longer.
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (FL)

I've been " approved '' several times on not only XXXX XXXX but XXXX. Every time I " accept approval '' and complete the application, it is declined. I receive an automated response with all the reasons for the decline decision and every time, I have contacted Opploans as their reasons do NOT apply to me and I have verified, SEVERAL times, that I meet ALL requirements in addition to receiving the offers that I'm already approved. 

This is not fair, as I've been working VERY hard at improving and repairing my credit score from the damage that was done in 2008, and every time I believe I'll be able to get ahead, I am turned down.
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC (CA)

I took a loan. Application number XXXX. Of only XXXX. It was meant to be short term. I applied and they have NO information on their website about payoff or easy payoff. Everytime you call them they keep you on hold so you give up and make it difficult to pay you. I sent the account to debt management. However i decided to call and pay off the loan. I have been trying to pay it off since XX/XX/XXXX. Nobody calls you back. 

The most ridiculous part is that they said I can not pay them anything and they will give me no additional information unless i go to an attorney and give them a power of attorney. Just to pay off a loan? 

XXXX XXXX XXXX I did some digging up and apparently they are very notorious for pay off. They do it on purpose to keep accumulating interest. 

Please help me! Due to bad times this has happened to me. I am making it right and want to pay them off. What is this ridiculousness.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (VA)

Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. 

I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. 

Please help. 

1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 

2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I am writing to address a matter regarding the discharge of a debt associated with an account with TOYOTA MOTOR CREDIT CORP. In XXXX, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by myself and by TOYOTA MOTOR CREDIT CORP, following immediate processing and approval. Given the legal acknowledgment of this debt discharge, it is imperative that TOYOTA MOTOR CREDIT CORP takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. I hereby demand that TOYOTA MOTOR CREDIT CORP promptly rectify this situation by updating the account status. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from TOYOTA MOTOR CREDIT CORP to ensure compliance with legal obligations and the preservation of my financial standing.
Consumer complaint received 2017-07-25
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. (CO)

I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I attempted to access my account, could not, and was directed to contact the bank. I did on XX/XX/XXXX, and upon doing so learned that I was the victim of a scam, and as a result my account was on hold. I asked for details about the hold and was informed there would be an investigation, which would result in a restoration of my account or the account would be closed. I was also informed that restricted actually meant locked out completely. Even previously approved transfers would be declined. I then asked if they could expedite the process and close my account immediately so I would not be harmed by late payments, and was refused. At that point I asked for documentation explaining the hold. They refused. I called again on the XXXX and XXXX and was again told they would not release my funds. 

This action is prejudicial and harmful. Since the hold was placed I have missed student loan payments, credit card payments, and was unable to pay my XXXX rent. Ally has experienced no harm. The checks were declined, and no funds were spent outside of the funds I had before the scam. Ally failed to inform me about the hold until harm had been done. The one piece of outgoing communication that I received was not sent until XX/XX/XXXX, several days after the hold prevented my payments from being paid. 

Ally claims that the worst case scenario is closing my account, but continues to refuse to do just that. While I am unable to pay bills, they continue to earn interest off my checking and savings accounts. My credit is being negatively impacted in a serious manner. While I understand the importance of investigating fraud, they have not provided a satisfactory justification for continuing to hold my funds hostage. I have offered to provide additional information about the scammers, but they declined. I have text messages, a phone number, and additional checks that I never had the opportunity to deposit, which they were uninterested in, though they would certainly aid any investigation. 

I believe they are acting in bad faith, to my disadvantage, because they have not provided a legal basis for their actions, saying only that it is the banks protocol. I would like to know what my rights are, if any, and what remedy I might seek after the fact to make me whole when Ive suffered great harm to my financial situation and credit profile. 

Thank you.
Consumer complaint received 2019-10-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

In 2018 my wife lost her job and her brother, who had helped when he could, enlisted in the XXXX at the same time. It was like losing more than half of our household income all at once. We scraped by for a while, but one month we just couldnt put together enough to pay everything. We fell behind on our mortgage, and with the late fees, it started to pile up. 
When we were finally all working again and got enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us.They said they wouldnt do anything until we paid the entire balance. There were fees that wouldnt be explained and when they said we could apply for help, it seemed like I would send our paperwork over and over, but it was always lost. We applied for help in XXXX, XXXX and XXXX of 2018 and were denied every time even after we showed the proof of income they requested. After doing this for months, they said the only option was to give them the house. 
We have stable employment again, but we just cant pay twelve months of mortgage payments at once. We have been in foreclosure since 2018 and just want to save our home but the bank refuses to work with us and we feel we have been unfairly denied. Weve talked to many different representatives at our bank, repeatedly, but it doesnt matter to them that our crisis was temporary. They refuse to listen, or help. 
Please help us save our home.
Consumer complaint received 2019-10-14
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. (IN)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NC)

I did not authorize ANY CHARGES to the BEST BUY account in question. This is purely fraud and theft by BEST BUY and XXXX XXXXXXXX XXXX XXXX XXXX  DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 ************* ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact BEST BUY and XXXX XXXX  several times to request written proof of this authorization, but they have failed to comply with this request.
Consumer complaint received 2019-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC. (TX)

XXXX : I receive a call from XXXX. Caller leaves voicemail, identifies self as " XXXX XXXX '' calling about an " important business matter '' and states " we want assure that you are given a final opportunity to secure a statement here in your defense so that no decisions are made without your knowledge. '' She leaves call back number XXXX ext XXXX and ends call with " you've been notified and good luck ''. 

XXXX : my brother receive a call from the same woman at the same #, asking for me. She gives him my date of birth and tells him she is calling about an important legal matter and needs to get a statement from me before they reach out to my employers. 

At no point does she inform either of us she is trying to collect a debt and she misrepresented herself and the situation to be about a pending legal issue. I call the XXXX # and the automation says it is OFG LLC, a debt collection company. I believe this may be a scam, but either way, she used legalese and scare tactics to try and get me to call her.
Consumer complaint received 2019-10-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have 3 private loans open with Navient they have been since XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from XXXX XXXX XXXX college. 
The one loan is for XXXX, XXXX which was originally for XXXX. The other Loan for XXXX was for XXXX the last was XXXX and was XXXX the loans have never went down only went up over an 12 year period.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XXXX XXXX XXXX ( XXXX ) stole my car without due cause. In the process, they stole over {$810.00} in cash between my XXXX cars and other personal items ( such as my personal finance information used to finance my auto loan ). An 'investigation ' was 'conducted ' and the result was no money was stolen. This is 100 % false and is theft. I have audio recordings of other unfortunate individuals stating they too had items stolen out of their vehicle.
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : Wells Fargo Mortgage I am a US Veteran and took out a VA Mortgage through Wells Fargo back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including Wells Fargo ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX Wells Fargo stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, XXXX, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called Wells Fargo and the credit reporting agencies to dispute my credit score and Wells Fargo refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.