davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc. (PA)

First Financial Asset Management did not disclose that I, the consumer, could dispute the debt. I, the consumer, have paid almost 2,000 in alleged debt. I, the consumer, have sent a cease and desist, affidavit of truth, exhibits and invoice to remedy. First Financial Asset Management received the material on XX/XX/2021.
Consumer complaint received 2016-07-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. ()

On XXXX XXXX I made an on demand transfer from my PrePaid Citi US account to my XXXX Citibank currenty account for the amount of {$2500.00}. The money never reachd its destination. This transfer had been performed on many other occassions over the last 3 years with no problems, however this time the money is missing in cyberspace and I find the reaction of Citibank, or XXXX who appear to be doing the investigation as unsatisfactory. It has almost been 2 months that my money is missing, they have acknowledged that the transfer money was taken out of my account and say that this is being investigated but this is really not good enough as I am suffering as a result. This money should be returned to my account and they can deal with their administrative mistake afterwards. This has put me in a very tight financial situation and has left me without being able to pay my bills - I have since received charges from the bank from unpaid direct debits and have had to ask for an overdraft - this is very stressful and upsetting and through no fault of my own.
Consumer complaint received 2016-01-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

I also have not received ANY response to the debt validation letter that I sent them. They just stay on my credit report without validating the debt with me and keep verifying with the credit bureau the unvalidated debt. This appears to be illegal collection tactics to me.
Consumer complaint received 2021-01-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

The National Credit Systems information is incomplete or wrong, the date opened account is wrong. I tried to speak with that company to verify my account and paid but they didnt give information about it. My contract date opened in XXXX XXXX XXXX XXXX wasnt at XXXX ; is a error about my account, they are reporting incorrect date opened, please delete this account from Collection
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Deposited an insurance settlement check from XXXX on XX/XX/2023 to my Wells Fargo checking account for {$2800.00}. I was told it would be on hold until XX/XX/XXXX pending verification of the availability of the funds. On the XXXX I was given an alert that the funds are not available due to either a problem with the check, insufficient funds or a canceled check. They told me to contact the issuer of the check. 

I did and XXXX confirms the check is valid. Wells Fargo then informed me that the maker of the check XXXX XXXX XXXXXXXX communicated to Wells Faro that there is a risk associated with the check and it has to be on hold until the XXXX to attempt again. However, they are not required to provide any details. My account at Wells has a " pledge '' placed on it by their Loss Prevention Department, as a result. 

XXXX XXXX XXXXXXXX will not provide me with any information that justifies their actions to refuse to fund this legitimate check. There is no problem with the check. Wells Fargo tells me that you are the regulating agency that I need to go to in order to hold the people who made this erroneous action accountable. I have spent a lot of time being given the run around by the banks who often hang up on me after a long wait, and then I have to start the process all over again. I want compensation if its proved they did this without a legitimate basis.
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TCF & ASSOCIATES (UT)

I received multiple calls from the following number : XXXX. 
They also called my husband, who has a new number that would not be associated with the account in question. 

" XXXX XXXX with XXXX XXXX XXXX '' is who this person claimed to be. At first, she told me that I had formal complaints made against me, from a XXXX XXXX. I don't know anyone by that name. She then told me that this is in regards to a medical debt from XXXX, that she received from the hospital. This debt was paid in XXXX. 
After contacting the office that handled this account in the first place, I called " XXXX '' back, requesting documentation of this debt and who was obtained from.
Consumer complaint received 2016-12-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I have been making payments on my private student loans since XX/XX/2012. I believe the first 2 years were going to be interest-only payments. However, I was doing research into my payment history today and found that ever since then ( approximately 5 years ), my payments are inconsistently applied to interest and principal. For example, if my payments are made on time, {$0.00} of my payment is applied to the principal and all of the payment goes toward interest. Many payments are showing that {$0.00} or some other small fraction of my monthly payment has actually been going to pay off my loan. Because of this, it ends up that on one of my loans, I have only paid {$550.00} in actual loan debt since my payments of about $ XXXX/mo on that loan began XX/XX/XXXX.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
Consumer complaint received 2015-06-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE (MO)

Huntington Bank has somehow lost my XXXX payment. When asked to pay late charge and XXXX payment all over again, I complied. I had checked my accounts statement from my own financial institution immediately prior to being informed of the late payment. It showed my XXXX payment. After I returned to my financial statement after making the " late payment '', I found the initial XXXX payment was gone. No trace that I had ever made the initial payment showed up at all. That is either some glitch in the universe or an agent with some XXXX type access making moves of my financial assists from within the XXXX banks systems. I would like this matter to be investigated further.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

I've been working with Experian for over a year, now. Trying to get my credit cleared of Collections and medical bills. After so long I finally started to get the collections and medical bills taken off my report and I finally got all collections off my credit file. Then a few months later I was on experian and the collections reappeared. Ever since then XXXX work on continuously to get them removed.
Consumer complaint received 2016-06-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (TX)

Was harassed into closing my American Express Card. Several weeks before XXXX switched from American Express to XXXX, Amex sent me a letter stating that I had two weeks to contact them or my account would be closed. Upon contacting them they requested a XXXX form. I filled out and returned said form as they requested and they put a hold on my card. Two weeks later on XXXX XXXX they called again and said that the form I sent them was illegible and they needed me to fill out the info again and resend it. I asked what the point was in me doing that if it took two weeks to process with the change over to XXXX was less than that. I once again got hit with the if you do n't comply we 'll cancel the card. At this point I was infuriated, I said if that 's what we need to do so be it. They then cancelled my card thus forfeiting my Rewards and smooth transition over to XXXX. I feel without the harassment and badgering by their staff I would 've never cancelled the card but the constant threat of getting my card cancelled when I tried my best to initially comply was too much for me to endear.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc. (FL)

I never pay any bill to this account because it fraudulent, i alway pay my debit on time my car, my credit card, my car insuranse usually 5 to 10 days early, y never want to pay any fraudulent account i prefer not having credit in my life remember me in my life pay this account
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I opened an account with XXXX and they ran my credit and I was approved for {$5000.00} or {$6000.00} dollars. I made a purchase for {$3600.00} on XX/XX/XXXX and had it delivered. 
I started making payments on these items that I purchased for the past 2 years with the last payment on XX/XX/XXXX balance paid in FULL. 
On XX/XX/XXXX I received a letter from XXXX saying that they are closing my account and their decision was based in part on a scoring system that was used to predict your creditworthiness? 
The reasons are : Balances on Bank Cards are too high compared with credit limits Too Many Revolving Accounts with High Balance Compared to Credit Limit Not Enough Balance Paid Down Over Time On Real Estate Secured Loans Too Few Installment Accounts Recently Paid As Agreed NEVER BEEN LATE ON ANY OF MY CREDIT CARD PAYMENTS WITH THEM OR FOR THE MOST PART ANY OF MY CREDIT CARDS. 
IN ORDER TO OPEN AN ACCOUNT WITH JEROMES THEY RAN MY CREDIT AND MY SCORE WITH DOWN AND AN INQUIRY STAYED ON MY ACCOUNT FOR 2 YEARS? 
I PAID XXXX IN FULL AND NOW THEY DECIDE TO CLOSE MY ACCOUNT THIS IS UNACCEPTABLE. 
ATTACHED are my last few payments in XXXX, original order from plus their letter they saying they are closing my account. 
I fill like they are trying to RUIN my credit. 
My major credit cards have not decreased my credit limits or closed my cards and they are just a store credit? 
What justifies them to be able to close my account?
Consumer complaint received 2023-04-05
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  ; CPS XX/XX/.
Consumer complaint received 2022-09-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank XXXX Credit Card Inquiry BANK OF AMERICA got a copy of my XXXX Credit Report. 

Bank of America pulled two Soft inquiries and one Hard inquiry of my XXXX Credit Report without my permission. These occurred over the XXXX XXXX holiday on XX/XX/2022. 

I called immediately to Bank of America trying to resolve however they were closed on the holiday. I called XXXX to see if I can dispute it and they were so close on the holiday. 

I called back on XXXX XXXX to Bank of America to resolve this inquiry and they told me they could not help me. That I would have to resolve this issue with XXXX. I didn't call XXXX and they help me file the dispute to remove this inquiry. 

I am now filing a complaint about Bank of America 's business practices to the CFPB.
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (TX)

My name is XXXX XXXX my husband XXXX XXXX financed a car through Exeter Finance XXXX/XXXX/XXXX Account # XXXX. He was XXXX XXXX/XXXX/XXXX and received 10 year XXXX. I contacted them and explained situation was not at anytime told there was any issues of this and have made payments Exeter Finance took payments without hesitation. I received divorce XXXX/XXXX/XXXX and was awarded car in divorce I made them aware of this sent proper paperwork with included final decree and proof of his XXXX and requested paperwork change as well as full payment history that I would be refinancing with different lander and was told this would be taken care of. After months of this not being taken care of had contacted them numerous times requesting to talk to manager in which was told there was not one available and would receive call baxk which never occurred. I spoke with them few weeks ago and was told they would not be taking care of this and that contract was with XXXX and was being taken off call list.
Consumer complaint received 2016-04-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (GA)

This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Metro Collection Service Inc. (CO)

i sent a prof of contract pursuant to the fair credit reporting act demanding they have the legal right to collect said debt even is the debt exists. the ignored the demand and let the statute of limitations expire. after sending a cease and desist notice and demand to remove my file from the credit agencys they have continued to report derogatory information on my credit reports.
Consumer complaint received 2017-05-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

After receiving a Reduced Rate Sales call from our existing Mortgage Provider, my husband agreed to submit an application for a VA Mortgage Refinance. Roughly 30 days later the deal closed ( XX/XX/16 ) with 1st payment due in XX/XX/XXXX. In XX/XX/XXXX we received a Letter of Demand for Outstanding 2016 Property Taxes ( delinquent XX/XX/XXXX ). It was a Final Notice before publishing our names in the local newspaper with a threat to garnish wages, bank accounts etc. After numerous calls to the bank, we were told that the taxes were paid 'on time ' from the now refinanced Escrow Account, but that was INCORRECT. After realizing the mistake, Wells Fargo proceeded to pay the delinquent taxes from the new loan escrow account while conducting a formal investigation into the matter. This has been an Official Complaint since XX/XX/XXXX & with every passing deadline for answers, they are still yet to provide any. The issues are as follows ; - Questionable Sales Practice, negligible benefit/ savings to customer. Nominal ( 0.5 % ) rate reduction, extended loan term, origination/ closing fees added to principle. - Although projected, Taxes Not Paid from 1st Escrow Acc't resulting in 6 month delinquency, why? - {$2400.00} - MISSING from 1st Escrow, still unaccounted for. - Bank Explanation ; Insufficient funds to close 1st loan, Incorrect payout figure, balance taken from escrow..??? - Incorrect Payout figure on banks own refinance, how is that possible? - What was the 1st loan Payout Figure? As asked in XX/XX/XXXX, still no answer. - Although joint title holder, Did the bank conduct Credit Check on non-borrowing spouse, without permission? - Closed VA Loan with property taxes in arrears. How? - Escalated to official complaint in XX/XX/XXXX, was contacted by bank rep/ customer liaisons officer handling the investigation who promised to make contact within 6 days ( as required by law ) to give update ( not outcome ) This did n't happen. XX/XX/XXXX thru XX/XX/XXXX zero contact. - XX/XX/XXXX. Contacted by different rep stating investigation still ongoing, XX/XX/XXXX projected date for outcome ... .. XX/XX/XXXX, no answers new projected outcome. XX/XX/XXXX. - Against our wishes, as stated in original complaint due to ongoing investigation. Bank is now debiting funds over & above mortgage payment, to make up difference in new escrow account. - Was the missing ( {$2400.00} ) from 1st escrow acc't used to offset new loan origination costs & closing fees? - Is Wells Fargo attempting to sell the servicing of loan to another provider while investigation still ongoing? The serious nature of our complaint is obvious and without answers, egregious. We have completely lost faith in the ability of Wells Fargo to manage this loan. Without recourse they can do what they wish, take what they want, leaving little room for the consumer to hold them accountable to the rules & regulations that are meant to protect us..
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (UT)

My loan servicing was transferred from XXXX to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in XXXX 2010. This BK included XXXX mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow increase occurs on the account. It does not seem right that that SLS can leave it 's customers in the dark and give them a death wish on keeping up with changes on my account.
Consumer complaint received 2016-04-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Transaction issue — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I was recently traveling abroad and encountered a merchant was presenting me a fraudulent bill for services that were never rendered. At first the merchanst said they dont take cards, when I was forced to withdraw cash upto my limit, they then also took my card and proceeded to charge me over XXXX dollars. The merchant was a restuarnat and due to language barriers and their intimidation I could not fully reconcile and figured I would dispute the charge with my bank since no service was actually rendered. 

My bank is now saying that they will not refund me the charges or even attempt to investigate the merchant even though its not even registered to any particular business. The maerchant is a none frauder ... and it is card poilcy that anyone that takes a card must advertise it and not upcharge people after the fact.