davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

My student debt was resolved paid in full back in 1999 when 4years of income tax returns were offset for the debt but XXXXand? Never Applied offsetc towards the student loans! I have tried working Department of Education IRS the treasury Department and the Bureau of fiscal management since the year 1999 to present day ombudsman reviewed and investigated this but could not get the original accounting from XXXX XXXX and asked me to get it in the meantime Federal servicing XXXX XXXX put my loans in default when they were asked not to I need help in this matter
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/2020 the BECU Credit Union ran my credit check with the XXXX  credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that XXXX  is showing to me is XXXX.
Consumer complaint received 2017-08-10
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: Bread Financial Holdings, Inc. (PA)

I have continued to receive collection notices from Comenity Capital Bank due to an ongoing billing issue that I have tried to resolve with Zales. In XXXX of 2017, I made a purchase with my Zales credit card. Prior to making the purchase, my zales account was setup for automatic payment which was linked to my credit card. So when I made the purchase I was under the assumption my account would be automatically deducted. Two months later I received a call that my account was in collections which should not have been based on my Zales account being setup for AutoPay. The n I was contacted by a person from Comenity who was extremely rude and would not waive any late fees because of the issue. Then I filed a complaint with Zales Corporate office and a BBB complaint multiple times and did not receive any resolution. The supervisor stated he would reach out to Comenity Bank to have them contact me to resolve the issue. I paid the entire balance off and my credit score has dropped when I did everything right to try to resolve the issue.
Consumer complaint received 2020-11-21
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: EQUIFAX, INC. (TX)

I have reached out to Equifax on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX regarding inquiries that are on my credit report that have not been addressed nor erased. 

Equifax has continued to give me a computer generated response informing me that inquiries are matters of factual data. Equifax reported HARD inquires against my report and I have stated to Equifax that those were never authorized by me. The companies who listed those inquiries would not communicate with me because of other legal matters, but Equifax has not mad any attempts to correct this inaccuracy. 

Ref : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ( requested removal ) XXXX XXXX XXXX ( Should be recoded as soft inquiry - not hard )
Consumer complaint received 2017-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I wrote to Capital One on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

My sister deeded me her house in XX/XX/2018 she passed in XX/XX/2018 it is recorded in our county recorders office as well. Her mortgage was notified of this as she has a outstanding loan. Which I have been making the payments. I put the home up for sale and the sale is pending for payoff balance. We can't close now due to the mortgage companies refusal to release the payoff balance to myself or my realtor.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

The XXXX XXXX XXXX XXXX sent me a fake document that demanded I pay {$290.00} because I have an outstanding debt on one of my current credit cards. I was immediately concerned and gave them a call. 
This caller claimed to be a debt collector after sending me a fake document to my home address. On XX/XX/2018, I received this fake letter that had my address information, my name, and my credit card information. I assumed that it was real and called the number. The debt collector on the phone was using threatening tactics to try to make me pay a false debt. He asked if this was my number, which I confirmed. He also asked for the last four digits of my social security number, which I also gave to him. It was only when I had trouble finding the XXXX XXXX XXXX online, did I realize that this must be a scam. They dodged my questions about the " debt '' by threatening me. 
Their fake website is XXXX I am concerned because I gave him my social security number. The organization already has my address, birthday, full name, and credit card information so I am very concerned about what they are going to do with my information. 
The resolution I am seeking is for this scam to be shut down.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

3 people requested to be put on my credit card and capital one will not give their names. Capital one said that they knew my personal information. All that they did was issue a new card I asked them to give me their names and capital one refused how can I protect myself if I dont know their names. Can you help me please
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (IL)

On XX/XX/2016 I purchased a used XXXX 2016 from XXXX of XXXX ( XXXX XXXX XXXX XXXX Il XXXX ) and financed by GM Financial. The car price was {$9200.00} the APR was 9.90 % and the terms were 71-months. I have been aggressively sending payment above my minimum payment. As of today, I believe that my total balance should be {$0.00} but GM Financial Statements keep showing a balance of {$1000.00}. I have communicated with GM Financial about this issue and they have not made any adjustments. I have proof of payment and any additional information you need to help me clear this problem with the lender.
Consumer complaint received 2020-11-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$270.00}, {$39000.00}, {$48000.00}, {$960.00}, {$8000.00}, {$19000.00}, {$390.00}, {$0.00}, {$12000.00}, {$8200.00}, {$25000.00}, {$16000.00}, {$71000.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 


-- PERSONAL ACCOUNT 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$71000.00} -This is not my account. 

15. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2019, a payment check in the amount of {$1500.00} was cashed by someone within the Barclays Bank organization, however, the payment was never credited to our account. The company was contacted about this payment and a conditional credit was placed on our account while the payment was to be tracked down. The bank requested copies of the front & back of the cashed check knowing that such copies do not exist since payments are processed digitally in Barclays ' system, meaning it is impossible to provide what they were requesting. What we were able clearly show and provide was the transaction ID from the check being cashed by Barclays Bank. Even after Barclays was contacted directly by a representative of our financial institution and told that what they are doing is essentially breaking the law, even after having submitted the transaction information showing the payment was received, and now, nearly 4 months after the original payment check was cashed, we are still being ignored by Barclays Bank with no communication about the status of the situation after 6 weeks from the date we re-submitted a letter and all pertinent information to them ( faxed on XX/XX/2019 ). Additionally, we have submitted 2 complaints to the XXXX XXXX XXXX regarding this situation. We have every bit of information necessary to prove they received this payment and it is beyond absurd that they have been able to get away with this. We were given a case ID number by Barclays, but that has been of no help, either.
Consumer complaint received 2017-08-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendmark Financial Services (AL)

2 weeks after i purchased the vehicle in XXXX 2014 the motor blew up. I then had to take out another loan to replace it even tho i purchased a warranty which was denied when i was trying to have the vehicle fixed.Neither the dealership ( XXXX XXXX XXXX in XXXX al ) or the finance company ( lendmark financial ) resolved the issue. I was told it was my responsibility. I have nothing but issues with this vehicle. I have been behind because of the issues with the vehicle. The solution was for the finance company to rewrite the loan so i could pay for it or not fall behind. I stiil owe thousands more than this vehicle is worth so i cant trade it it. Pretty much they point their finger at the other company and tell me its my problem.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/XXXX the bank charged me an overdraft fee for an account that had a positive balance. This in turn caused another transaction to overdraw the account by the value of the fee ( {$36.00} ) and XXXX cents on XX/XX/XXXX. I have overdraft protection with the bank and more than 34 cents in my savings account but less than 36 dollars at the time. Without the first fee I would not have been levied the second. On the XXXX I contacted the bank to resolve this and they dropped the first fee but did not, however, drop the second. I wouldn't nickle and dime this sort of thing if every nickle and dime didn't matter.
Consumer complaint received 2019-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OK)

My Minor nephew signed me up for a XXXX XXXX membership without my approval or knowledge. Once I found out I called to cancel, but they ( XXXX XXXX ) said they could not because it was a years term. I explained I did not authorize the membership, I did not make the sign up, I did not ever activate the membership nor ever use it! They did not care. 

I started receiving collection calls over and over from XXXX XXXX and I explained the same thing, they didn't care. 

NOW, all the sudden, WITHOUT written notice, I noticed today I have a collection account on my credit report showing I have a collection from Midwest Recovery. 

I received a call from MWR and told them I did not authorize this account, and I was told I would be removed, this was 2 days ago, now there is a collection ... THE ONLY NEGATIVE ITEM ON MY CREDIT REPORT.
Consumer complaint received 2020-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I disputed the debt with ARS ACCOUNT RESOLUTION XXXX. They are still reporting it on my account. I have never received validation of the debt according to the Fair Debt Collection Practices Act. ARS ACCOUNT RESOLUTION is a debt collector. They are not a creditor and have never lent me any money. They are trying to extort me by reporting an account on my CREDIT report as if they are a creditor. They are not a creditor and have no license to provide credit to anyone. They are damaging my credit score and not permitting me to buy a home without having to buy my rate due to my low credit score. They need to delete the negative tradeline on my account.
Consumer complaint received 2019-10-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (IL)

I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which XXXX XXXX   has not responded and EXPERIAN continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.
Consumer complaint received 2018-09-20
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: Experian Information Solutions Inc. (NY)

XXXX has wrongly stated that I had a late payment in a long perfect payment history with Auto Pay system. I had a prior vehicle to my present XX/XX/XXXX vehicle so my payment practices are crystal clear. As you will see that upon my acquisition of a XX/XX/XXXX the XXXX and XXXX payments were made and XXXX says XXXX was late - how ( again on Auto Pay ). Every month from XXXX XXXX until present - perfect on Auto Pay. 
I contacted Experian to lodge a complaint and I contacted XXXX personally. The XXXX basically read off his computer screen and could not explain further than that is what the file screen told him, useless! Today XX/XX/XXXX I contacted Experian back to question the non-change in my report - their answer to me was - we sent the inquiry to XXXX and they sent it back so that is it - again useless. I have attached 6 pages with explanation about what happened in actuality. Thank You in advance for your help and guidance. 

XXXX XXXX
Consumer complaint received 2019-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2019 Wells Fargo Bank issued two wire transfers from our checking account at XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} per transaction, for a total of {$1000.00} without our permission. We do not bank with Wells Fargo and have not had any type of active account with Wells Fargo for approximately two or more years. 

We discovered the illegal withdrawal of funds from our account on Sunday, XX/XX/2019 and contacted a local branch of Wells Fargo by phone on Monday. Wells Fargo Banking personnel had two responses to our claim : 1 ) How did they ( Wells Fargo Bank ) take money out of our account when we don't bank with them or have and type of account with them? 2 ) There was nothing they can do about the illegal transfer, and we had to contact our bank, XXXX XXXX XXXX XXXX XXXX, and make them find a solution to the problem. 

Both responses by Wells Fargo personnel were reprehensible! First Wells Fargo Bank steals XXXX from us and then tell us there was nothing they could do about it, and we should go find someone else to deal with it. 

Fortunately for us we found out about the stolen funds in time for our bank, XXXX   XXXX XXXX XXXX XXXX, to rectify the problem before any checks we wrote bounced due to insufficient funds. Due to the efforts of our wonderful personnel at the credit union, they were able to retrieve the {$1000.00} from Wells Fargo before we were hit with penalties for insufficient funds. 

I am upset that Wells Fargo Bank did absolutely nothing to rectify the problem. Was this truly a mistake by Wells Fargo our did they purposely try to steal our money for whatever reason? How many other people have experienced similar thefts by Wells Fargo Bank. I hope a government agency fines Wells Fargo for their illegal act or at the very least penalizes them for their incompetent act of taking money out of our personal account without proper cause or permission.
Consumer complaint received 2017-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (FL)

I accepted an offer from Big Picture Loans for {$1500.00}. I wanted to pay it off before the first payment was due and called them to do so. They accessed my savings account instead of my checking account and the payment did n't go through. The payment was for {$1900.00}, I spent over 1 1/2 hours on the phone with them being transferred and transferred until I finally gave into the crooks and paid them {$1900.00}. At one point they even got my bank on the phone and my bank verified all of the information that they had but they still accessed the savings and not the checking account. After 1 1/2 hours speaking to people that could barely speak English I gave in and paid the additional monies before I lost my mind. They are crooks and should n't be allowed to do business with anyone.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

Returned for my XXXX at age XXXX and had to borrow money to attend and living expenses. Had around $ 55K in loans when I began XXXX  in XXXX. Got {$17000.00} forgiven after 5 years XXXX XXXX in XXXX XXXX system. At one time the monthly payment was {$680.00} per month. Renegotiated with Navient a payment of around {$300.00} per month since XXXX and been paying on this loan for 12 years ( to other lenders ). Somehow the payment has increased over the past 4 years from {$290.00} to {$310.00}? Still owe over $ 15K and have been denied any Public Service Loan forgiveness twice in the past year. At the current rate and payment of $ XXXX/mo, I still have nearly 5 years of payments. HELP ME PLEASE! I have paid the balance of the original loan and thousands in interest over the years. I should qualify for some type of forgiveness.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch (PA)

On XX/XX/2019, my car was totalled. I informed the loan company that the insurance company will be sending them a lump sum payment of over 16,000. I told them to not.take the payment set up for the XXXX. The tepresentarive was nasty about it because I did not have a date when that payment would be sent from the insurance company. I told her I was injured and not able to work and tbe payment will not be in the account. Today, XX/XX/2019, the payment was submitted and it bounced my account. I have to reverse this payment and my account is XXXX in the hole. I told them.2 weeks ago not to.take.the payment. I cancelled that transaction.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.