davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (MS)

I have been trying to negotiate a settlement with Exeter Finance Corp. since XX/XX/XXXX. Exeter Finance Corp is now trying to repossess the vehicle XXXX XXXX XXXX with XXXX miles. I original purchased this vehicle in XX/XX/XXXX. I have slow payments throughout the life of this loan but in XX/XX/XXXX to present has triggered a series of events financial issues. My mother was diagnosed with XXXX XXXX, then XXXX XXXX in XXXX. My son was repeatedly XXXX  and his son was birth and care of in XXXX. My daughter suffered XXXX  XXXX  issues in XXXX. My father was on XXXX XXXX in XXXX. My mother was diagnosed again with XXXX XXXX and my father passed away in XXXX. I should not have to detail my personal issues of my family and life not to mention I had several periods after purchasing the vehicle of underemployment and unemployment. Despite all of these factors I have been a loyal customer communicating with Exeter Finance Corp and paying on my loan.

Based on the telephone conversation with Exeter Finance Corp, I have compared their company records against my records. Their staff personnel advised the original contract total amount would have paid Exeter Finance Corp {$41000.00}. According to my original documents and the total value of the car was {$24000.00} and the total financed amount was {$14000.00} which equals {$39000.00}. Their staff advised I have made 73 months of payments on this 72 month contract and total payments made are {$40000.00}.

Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws.
Consumer complaint received 2020-04-07
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. (FL)

I have a XXXX  XXXX XXXX Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.
Consumer complaint received 2018-01-06
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 (IN)

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. please let me know if you can assist me with getting these item removed from my credit report. 




Inquiry Date XX/XX/XXXXRemoval DateXX/XX/XXXX Business Type Complete dept. stores Contact Information None provided XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WA)

I received a letter from MCM dated XXXX17 stating the following : Dear XXXX, You have already paid MCM {$3700.00} and we want to help you resolve this account once and for all. Call XXXX XXXX XXXX XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time Midland credit management, inc. would like to thank you for paying {$3700.00} signed XXXX XXXX, Division Manager I called Midland to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AZ)

My serve account has been permanently suspended due to an attempt of a ACH debit. 
A violation to the user agreement. I told the rep that I never gave authorization to anyone to debit my account by ACH. The rep would not give me any information about my account. I called back the next day and still getting nothing. I asked to speak to a manager.

He told me that the attempt was made by a funding source and that was all he can say.

I had two funding source direct deposit into my account. XXXX money transfer which serve uses for sending money. I signed up for that  service and XXXX sent two small deposits to verify my account. XXXX confirmed that no attempt of a ACH debit made to my account.

I had SBA EIDL direct deposit my approved funds to my account. I called SBA to asked them if they try to attempt a ACH debit. 
She looked into my account and told me the only thing she see is that my funds was disbursed. 
She said everything was approved and good to go. 
There was no attempt by SBA and the department of treasury trying to do an ACH debit. She told me to go to CAWeb.sba.gov and to enroll. This will show everything done in my account. If need too, I can send snapshot of it. I called serve and told them everything SBA had told me. 
I asked him, if there was an attempt of a ACH debit by one of the funding sources, how can I be responsible for something I have no control over and not even knowing it was going to be done. I can see if I was trying to pay any of my bills or paying someone using ACH debit.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

hello i sent in a copy of my police report and signed and notarized affidavit to all 3 credit companies now over 30 days ago only to get no response they are claiming they have not received it yet i have conformation of receipt from all 3 of them my identity had been stolen and someone was assuming my identity for years and finally when i went to do something about it they told me to ge a police report i got a police report and sent it in and nothing the information is still reporting please help me the only thing they did do was place a fraud alert on my report.that 's how i know that they did receive it
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

It appears my bank has reordered the sequence of transactions so as to charge me {$100.00} in overdraft fees instead of {$34.00}. There were XXXX transaction of XXXX/XXXX/2015 : {$10.00}, {$100.00}, and {$1500.00}. The first XXXX were covered with funds of {$1300.00}, however Chase ordered the # XXXX check first.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion still making several violations to my credit and doing this by all impunity and not doing any investigation Putting inaccurate information in my credit report over and over and acting like a dictator
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already disputed this account with Trans Union and I have filled out all the paperwork that someone has been using my ID for accounts XXXX XXXX XXXX # XXXX, Trans Union has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The FCRA is pretty clear on Civil liability and outcomes available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2017-11-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (AR)

These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a business account with bb & t and decided to open a second account with suntrust account was Opened deposited XXXX cash and both accounts were closed for suspected fraud claim my information didn't match now I have over XXXX XXXX tied up between 2 banks they are holding my money hostage I have bills a business to run I will be contacting my lawyer I feel asf if this is racially motivated because I've had a bbt account since XXXX no problems I am a business owner everything is on file said the money is apart of investigation when I took XXXX cash from 1 Bank n took to the other what is fraudulent about that
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

A refund from XXXX XXXX in the amount of {$170.00} has been sitting with visa and TCF bank for over a month, this has been confirmed by the XXXX  and the letter sent to them from XXXX XXXX ( SEE THE ATTACHED ) and as of today the original complaint to TCF Bank was made OVER 1 MONTH AGO. I was told the money is being put back into my account yet another 8 business days have gone by to no avail. The debit card used was closed out, TCF bank can see the money yet has not called or communicated with visa to tell them that the debit card was closed out and this is the account that the {$170.00} refund is supposed to go into, therefore for over 1 month the money has been sitting in limbo. I have talked with XXXX XXXX several times ; he has called the necessary department several times to no avail. the original case number is XXXX. TCF bank denied the refund on their part, ( which means they were not going to refund the money from the bank ) based on the above case number but XXXX XXXX decided to give me the refund and did so over a month ago, that is the money that is sitting in limbo because it was put back onto a closed-out debit card. TCF is not communicating with Visa to give them the correct account to put the money back into. TCF bank has done nothing to complete this transaction for several weeks now. I can not give that information to Visa, TCF Bank needs to, and needs to do this NOW AS MY MONEY IS STILL IN LIMBO AND HAS BEEN FOR OVER 1 MONTH!!! XXXX in CS TCF Management has confirmed that she can see the refund and does not know why this is not being taking care of by the TCF correct department. Had TCF done their job correctly and completely, they would have seen the refund and applied it accordingly instead of just leaving it in limbo, THIS IS NO LONGER ACCEPTABLE!
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

I received a letter from XXXX XXXX XXXX  I a re XXXX XXXX XXXX XXXX XXXX  demanding {$150.00} or Settlement of {$95.00}. This is an attempted Shake down for a debt discharged In chapter 7 bankruptcy as of XX/XX/2017. I have not attempted to contact this entity So as not to validate this Matter unwillingly because it is invalid due To the discharge afforded by the XXXX XXXX XXXX This Company is trying to perpetrate A fraud during this tax season, As is in common by Collection agencies.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maury Cobb, Attorney at Law, LLC (AL)

XXXX XXXX is incorrectly report a derogatory mark to all three of the credit bureaus. Account was taken care of with the original creditor XXXX  XXXX. XXXX  was charging us for equipment that was not returned after the account was closed. Contact XXXX  on XXXX XXXX, 2020 and they email us the three ( 3 ) separate labels to return 3 different pieces of equipment. The equipment was mailed back via XXXX to XXXX  AND accepted at XXXX  XXXX  loading dock on XX/XX/2020 @ XXXX XXXX. I contact XXXX   network directly and they credited the account for the equipment, waive the early termination fee because the contract was cancelled because a truck stuck the home rendering it to be unlivable and eventually the home was torn down. After they credited the account the remainder of the balance {$150.00} was paid in full directly to the original creditor XXXX XXXX. XXXX refused to remove the incorrect negative information citing the account is no longer with them it is now with MAURY COBB Attoney @ Law. I have contact Maury Cobb the advised they no longer see a balance and to contact XXXX to have the incorrect balance removed. We disputed the information with the credit bureau and XXXX continues to report incorrect balance.
Consumer complaint received 2016-08-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at TD Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent TD Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (CT)

Contacted at my place of employment, by TD Bank collections department after numerouse ( and documented ) requests to contact me on my cell and not my employer. Background : In XXXX of 2015, prior to the XXXX XXXX mortgage payments due, I contacted TD Bank requesting asssistance on my mortgages ( both XXXX & XXXX ). I have all the emails and have recorded all phone calls ( after disclosing I was recording ) in which it is clear I directed TD to call my cell. On XXXX/XXXX/15 I received an email, from a co-worker saying that an XXXX XXXX from TD was calling different departments at my employers trying to reach me. When I returned the call, TD told me that they had no other contact information for me. Again, I can support with emails and recorded phone calls, my contact information of my cell phone. I again asked TD not to contact me at my place of employment.
Consumer complaint received 2021-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I placed a direct dispute with wakefield on XX/XX/2020 they have failed to update with XXXX the status of the dispute and they failed to respond in a timely manner plus they failed to provide proof of this alleged debt as mine by providing proof with a wet signature or any instrument bearing my signature
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX XXXX XXXX XXXX Account charged off. {$180.00} written off. {$1600.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record XXXX XXXX XXXX Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record remove the FCRA violations b/c of the civil violations ( XXXX ) XXXX wrong number XXXX ) XXXX wrong number
Consumer complaint received 2015-06-30
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (AZ)

They have violated a cease and desist order given to both collector and supervisor. They have failed to provide proof of obligation both to me and to the credit bureaus where dispute was filed. They contacted me via automatic dialer on XXXX XXXX, 2015 about XXXX AZ time about XXXX days after cease and desist was filed.
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (MN)

I made a payment to Wells Fargo for a personal loan that I took out. The check I made the payment with was more then the amount owed including interest. There was any over payment of roughly {$700.00}. When I call the bank regarding the check, I was told that the amount was paid in full to the cent with no over payment. This is a blatant attempt to steal money from their customer. When I requested they refund my money as soon as possible, I was told they would need to investigate this even though I have the receipt showing the amount that was paid as I made the payment at a branch. They should refund the money once the receipt was provided without having to do any investigation taking up to 7 days. We both know what the amount owed is, I have the receipt which shows proof of payment and the over payment. This should be easily resolve and yet they are going to take 7 days. Seem they are eager to steal more money from their consumer and want that 7 day to figure out a way to do that.
Consumer complaint received 2018-01-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (WA)

This is back in XXXX XXXX Virginia where me and my wife were going to check out a dealership called XXXX XXXX that was sending advertisements in the mail. We were gon na trade in our car for a more newer one. We were given an offer for them to buy our car and sell us a newer one. But at a much higher price. We did end up signing some paper work for them to see my credit score and see what they can do. Was n't good enough so we wanted to leave. They keeped pressuring us to do it and to use our credit cards or to contact family for money. After six hours trying to leave we had enough and told them no and asked for our keys back. They did not look happy. A day or two goes by and I check my credit score showing it went down about 35 to 40 points because I had two hard pulls from two different creditors for the used vehicle loan. It said I was denied when I did n't even go through with the dealership. Oh they also had me try to get a loan from XXXX so I also have that on XXXX credit score. Three hard pulls on the same day. One from XXXX XXXX, another from XXXX XXXX CO, and the last one from XXXX. All on the XXXX XXXX 2017. There is no amount because I was denied.