davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

I was XXXX XXXX and since then had been struggling with keeping up with my bills. I owed {$920.00} to Ally Financial as of XX/XX/XXXX. I cashed out the remaining amount if my 401K to pay outstanding bills I had due to my being XXXX. I made an online payment to Ally on XX/XX/XXXX for the overdue balance of {$920.00}. Unfortunately my bank held my 401K cash out check longer than expected causing the funds to not be available in time for the {$920.00} to clear, causing the payment to Ally Financial for {$920.00} to be reversed on XX/XX/XXXX. I called Ally back XX/XX/XXXX and said I wanted to just pay the remaining balance owed not the outstanding balance of {$920.00} ( my 401K cash out had cleared at this point and funds were available ). The Ally representative said " I can not give you a payoff amount until you bring your account current your account is still showing a balance of {$920.00}. '' He also said " once your account is current call back and a payoff amount will be able to be provided. '' I made another online payment of {$920.00} and that payment did clear XX/XX/XXXX. I called back XX/XX/XXXX and got a payoff amount of {$2500.00}, since they my account was current they were able to provide the payoff amount. I made an online payment for {$2500.00} and that cleared as well. Weeks later I received a letter from Ally dated XX/XX/XXXX stating the balance was paid in full and they provided the original title of the vehicle in my name. At some point after my payoff Ally redeposited the first payment of {$920.00} that originally did not clear on XX/XX/XXXX ( even though I made a payment on XX/XX/XXXX to replace that returned payment AND paid of the payoff amount which cleared XX/XX/XXXX ). My bank returned to me the payment of {$920.00} that was deducted from my account AFTER I paid the payoff amount and received my paid letter with the title. Ally is now saying I owe them {$1000.00}. The account should be reflecting closed and paid in full as of XX/XX/XXXX.
Consumer complaint received 2018-08-16
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc. (MA)

XX/XX/2018 ~XXXXXXXX ( est ) I received a call from National Enterprise Systems that informed me a student loan was in default. This was a surprise to me since I've tried to stay up on my student loan payments and have been with the other 2 companies I deal with ( XXXX and XXXX ). Since I'm going through a divorce, I knew this was probably just an oversight and something I could begin making payments on again to fix. I was told that wasn't the case. They explained that since my mother was a co-signer, she would now have to pay the debt since they " knew she could afford it ''. I explained that my mother is on XXXX and was just released from the hospital for major XXXX XXXX and definitely couldn't afford it and that I would begin making payments. The person I spoke with told me that I was lying and that my mother could afford it and that I'm not allowed to make payments any more because they wanted the whole sum at once. I was floored that I was being called a liar and that I was being told I couldn't pay my own debt. Then I was told to give them my mothers most current contact info so that they could call her " and have an unpleasant talk with her ''. This was the last straw. I saw this as an attempt to use my mothers XXXX XXXX as a threat on her life over my student loan debt. Totally unacceptable when I want to pay my debt, I just need to do it in payments that I can afford and certainly not an entire lump sum at once.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (AR)

In XX/XX/XXXX I disputed a item that was incorrect on my credit report. The incorrect item which is AFNI. The credit report agency reported that the item was verified. I sent a certified letter to AFNI requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM AFNI. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX. to the address reported on my credit report which is XXXX XXXX XXXX XXXX , Il XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/XXXX and they have not responded to me.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Going back to my original delinquency which was during the time Wells Fargo was denying loan modifications in error causing people to lose their home between XXXX to XXXX. When I was first delinquent Wells Fargo had my loan coded for XXXX benefits but because I had been XXXX about a year prior and my XXXX had not kicked in yet Wells Fargo kept my loan in the XXXX servicing area in an office in California. The people there were very nice but told me I need to get that code off so I can be reviewed for a standard modification. At the time I was only 90 to 120 days behind. 

Well this took Wells Fargo about 4 months to correct and of course by that time I was about 7 months past due and I had no choice but the attempt to apply to avoid foreclosure. This was to happen over and over for almost 5 years. 

One review claimed I had been approved for a loan modification and the investor ( which is a mortgage backed security ) only allowed one modification. I was never approved for a modification. 

Once I saw the current News stories of Wells Fargo making errors I immediately knew this is what has been happening to me. 

I now have a foreclosure sale date of XX/XX/XXXX and Wells Fargo is no longer even attempting to offer assistance. I tried deed in lieu and was approved but they claimed at the end of the review after I was approved it would be cheaper for Wells Fargo to foreclose than offer assistance. 

It has been a nightmare for the last 5 years. In the process the VA finally finished my XXXX claim and I am now a 100 % XXXX veteran who did several tours in XXXX with the XXXX XXXX and survived. But the struggle with Wells Fargo has been tougher and I am asking for help.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TX)

For the past 10 months, I have been charged late fees. I have called the merchant, XXXX XXXX to complain that I have not received any statements. The only time I am aware that a payment is due is when I get a notice advising that the payment is past due. I immediately make payment and I am told that statements will be sent. However again, I am not receiving statements. I have tried to keep abreast of when payments are due, but sometimes I am told the payment is due on the XXXX and other times, I am told the XXXX. 
I spoke with a rep last month who waived one mon late fee and said she would submit a request for the remaining ate fees. However on XX/XX/2023, I was advised that XXXX XXXX would only waive one month. 
The amount as of XX/XX/2023 totals {$340.00}. I spoke with a supervisor who advised me that it is not their job to recommend sending statements via email and hence will not waive any additional fees. I advised her that I have been disputing these late fees for a while a now but continues to remain as part of my balance. 
The supervisor also would not entertain automatic payments from my bank account so that I am not dealing with late fees or missed payments.
Consumer complaint received 2019-04-30
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)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

This is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$1000.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Please note as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages. You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX SSN : XXXX
Consumer complaint received 2018-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On  XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX  school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

This company clearly had a data breach as my account and on social media many many others have fraudulent charges on their cards. I can not get through to the company by phone or email. I want these charges removed from my account as I did not make them and am NOT paying for them. There is zero way of reaching anyone in this company! How can you run a credit card company this way? Alos, I recently moved yet there is no way on the website to update my mailing address. Again how do you run a business like this?
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DC)

I was contacted by Southwest Credit Systems ( SWC ) who was trying to collect a debt purportedly owed to XXXX XXXX. In its notice, SWC referenced account # XXXX. This is not my account. I called XXXX, and it does not have any record of this account and no outstanding balance associated with my name. 

Please discontinue this collection attempt, including calls to my mobile phone, and do not furnish any negative information to the credit Bureaus.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (CA)

I attempted to get a loan modification, they did not return calls, claimed that they did not receive the correct paperwork though it was submitted several times.I then attempted to do a short sell on the property.they sent the necessary forms but they had already foreclosed on the property and put it up for auction.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NJ)

I filed the complain on XX/XX/XXXX, case number of XXXX. The bank still refused to close my accounts and I reject its explanation completely. This is not trustworthy bank and no wonder why it's ranked 1 out 5 on XXXX  with over 400 complaints in the last 12 months. 

The bank doesn't have a valid system to communicate with its customers effectively, its so called " specialists '' who are a untrained group of people, every call took hours and no problem can be solved. Its called back phone ID method is totally broken, it works one day and not functional on another day. How can the bank all depends on a phone call? Why the bank just sends a check in my name to close my accounts like other banks do? In the matter of fact that the bank did refund a portion of my money to my linked account with the XXXX  XXXX XXXX from one of the three account on XX/XX/XXXX and refused to do the same with the rest of my money. 

The bank has no right to hold my money and I demand the bank to release all my funds back to the linked account with the XXXX  XXXX XXXX where all deposits were made from or simply send me back a check in the amounts. 

This bank has no protection to its customers, the only thing they are capable to do is to block its customers ' access and hold other people 's money.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX  and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 credit bureaus
Consumer complaint received 2022-07-25
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. (CA)

I Submitted On numerous occasions the inaccurate reporting on my credit file for aXXXX XXXX XXXX. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Protas, Spivok & Collins. LLC (MD)

received a letter from my employer that I was under a wage garnishment. Did not receive any letter for a court hearing, did not receive any letter that a wage garnishment was granted or the amount of the wage garnishment. I checked Maryland judiciary case search and found it was from XXXX XXXX XXXX and my debt was sold to XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. Payments began to come out of my pay check inXX/XX/XXXX. I paid an amount of {$1900.00} in the year XX/XX/XXXX. The garnishment continued intoXX/XX/XXXX. To date ( XX/XX/XXXX my amount of debt paid is {$6800.00} I requested a court hearing to stop or modify the payments due to hardship in my family. XXXX XXXX appeared for the court hearing on XX/XX/XXXX and agreed to modify my payments. After receiving my next check I noticed the payments did not change., I called XXXX XXXX office on the following dates : XX/XX/XXXXand XX/XX/XXXX. On every occasion I was refused to be allowed to speak with XXXX whom I conversed with in court. I left messages for him on every date listed above with no return call or email. On XX/XX/XXXX I called the office of XXXX XXXX XXXX again and explained to the receptionist that according to the judgement amount on Maryland case search I had overpaid by {$130.00}. she put me through to the paralegal who refused to give me the total amount of my debt with their company and he would only discuss it with my employer. I asked him why he would not disclose this information as its my case and my wages that are being garnished and he repeated to have my employer call. He intentionally deceived me by refusing to give me the total amount of my debt so I could confirm the amount I have paid and what is still owed. To this day I have had no respose from XXXX XXXX XXXX office regarding this matter.
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

On XX/XX/XXXX, I wired {$100000.00} to Gemini trust LLC to buy XXXX. I got emails to confirmed these transactions but the fund is not showing on my account. I wrote a lot of emails to ask Gemini support but no luck
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.