davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

XXXX XXXX XXXX have engaged in Extrinsic fraud. Under Florida law the definition of Extrinsic fraud was specially articulated in the United States V XXXX, 98 U.S. 61,65-66,25 L.ED.93 ( XXXX ), in which the United States Supreme Court said : Where the unsuccessful party has been prevented from exhibiting fully his case, by fraud or deception practiced on him by his opponent, as keeping him away from court. 
On XX/XX/2018, the law offices of XXXX XXXX XXXX XXXX XXXX, e-filed through the court system motion to re-set foreclosure sale without any notices to my attorney of record XXXX XXXX XXXX. If fact if you review the service list you will find that my legal counsel was not serve with these documents at all yet XXXX and thier attorney are fully aware XXXX XXXX is the attorney of record therefore we must be serve with all matters pertaining to the case .XXXX  and their legal team failed to serve my attorney in order to acquire a sale date without the presence of legal counsel and my self. The motion reflects that the documents were sent to us instead of attorney. We received copy of said motion after the hearing had taken place and the sale date acquired without my knowledge or legal counsel XXXX XXXX. This act constitute extrinsic fraud, when the opponent party keeps you away from trying or defending your case in court. See motion filed for readiness for trial where my legal counsel was properly served by law, however in regards to acquiring a sale date, XXXX and its legal engaged in conduct related to extrinsic fraud. We have also attached plaintiff notice of readiness for trial where XXXX and its legal representative serve my attorney accordantly, however failed to do so in regards to the sale reset which constitutes in extrinsic fraud. On XX/XX/2018, we requested mortgage assistance however in retaliation for filling complaint against servicer relating Florida deceptive fraudulent ownerships transfer of the note Case no. XXXX, the request was denied. The servicer claimed that the investor of the loan does not offer modifications. XXXX is an approved XXXX XXXX servicer and participates on all Tarp loss mitigation resolution including and not limited to the XXXX XXXX Flex program, on which we meet all criteria.
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Contacted student loan servicer ( Navient ) o n  X/X/2017  to  request a copy of the loan promissory note. I spoke with  XXXX  at Navient and was told that Navient DID NOT have any promissory notes on file for m y 18 loans. I  am under the impression that this information has to be provided per FDCPA guidelines, how else would the creditor know how much to collect how often and under what terms? I need to have documentation that shows me that what " they say I owe '' is truly what I owe.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I was given a line of credit without my knowledge by American First Credit Union I got a lump sum check did they held in my account with let me spend but they gave me the line of credit without my knowledge of what was really going on the lady told me I could use this money as a way to offset them holding my check this was a bad business transaction that they did to me
Consumer complaint received 2019-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (MD)

I have ordered a bedroom set from XXXX XXXX in 2016. The one I wanted only came in king I was told I had to wait for queen to be delivered.i was told it would come in 3 weeks. I signed the papers and made my first 2 payments. 3 weeks rolled around no bed. I was told it was on back order. 6 weeks later the furniture store closed down and I never got my bedroom set I called them and told them several times they only care about collecting thier money not that I was scammed. This can be verified the location was XXXX XXXX mall.
Consumer complaint received 2018-03-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (VA)

Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XX/XX/XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XX/XX/XXXX-XX/XX/XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XX/XX/XXXXafter graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XX/XX/XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to XXXX and spoke with XXXX. XXXX researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XX/XX/XXXX that has been paid ( loan number XXXX ). 

I was referred to XXXX because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XX/XX/XXXX, and all records transferred to XXXX and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark 5 integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Allied Collection Services, Inc. (Nevada) (NV)

On XX/XX/XXXX, my XXXX check was deposited into XXXX XXXX and I was not aware that a Writ of Execution was presented against my checking account the same day. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX, XXXX. that represent or the owner for XXXX XXXX XXXX XXXX XXXX that my monies are exempted ( XXXX benefits ), didnt received no information about a Writ of Execution ( XX/XX/XXXX for {$2500.00} ) or any bills due, statute of limitations have passed, bankruptcy was filed recently and violations of state and federal laws. 
On XX/XX/XXXX, I find out from Justice Court ( Received copies for Case No. XXXX - filed on XX/XX/XXXX -- closed on XX/XX/XXXX -No summons or complaint were issued ) that these are medical bills from XX/XX/XXXX in the amount of {$1000.00} that are not mine. Still today can not get my money out of my checking account due to violations from XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MA)

On XX/XX/XXXX at XXXX : XXXX XXXX  I withdrew XXXX from an atm machine in the local XXXX that my bank app told me would not charge me any fees. Was on the phone at the time when I seen the door with my money in it close and a message came on the screen to contact my banking institution. I called right away and was sent forms to fill out. I completed the forms and gave a copy of the receipt as well. I was told yesterday over the phone that my claim was denied. All transactions are logged so they did not do a proper investigation in my mind simply because if they did they would see the actual transaction as well as my funds still in the machine. I am a XXXX veteran and this nonsense has caused me to suffer greatly and I will always fight for what is right in this world and not stand for any wrongdoings, no matter how insignificant they may seem to these banking institutions.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I opened a new checking account with Chase online in XX/XX/2020 and did an electronic transfer for {$2000.00} from my XXXX checking account. They collected the funds then immediately froze my account for suspected fraud. They did not notify me of this but they gladly kept my money. I have had a relationship with Chase and a Chase credit card for years with a valid online ID which got frozen. I could no longer access any of my accounts. My money was gone and I could not get it back. When I called Chase they refused to send me a refund of my money and would not let me send in identification to show this was a valid account and their bogus {$200.00} new account offer was forfeited. Four months later I was advised I have to go in person to a branch during a pandemic. I was advised when I go in a branch and show my identification the check will be mailed within a few days.I am XXXX years old and this causes hardship hardship on me and my family. On XX/XX/XXXX I went into the branch and they verified my I.D . but would not give me my money. They told me at the check would be mailed. It has been over 10 days and I have still not received my refund check. Chase is deceitful and is a total dumpster fire and should be fined for their poor business practices.
Consumer complaint received 2022-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

On XXXX, I contacted speedy cash at which time I requested validation of the bill and requested an itemized statement with a copy of my original receipt/invoice with my signature. I never received the requested information. I received a credit bureau notification today in which a collection agency AD Astra Recovery servicesXXXX is reporting a negative on my 3 credit reporting agencies. As of today XXXX, I have not received a phone call nor a notice of bill and rights to dispute. I called today and spoke to XXXX who then transferred to Manager XXXX. I informed them that on both communication with speedy cash on XX/XX/XXXX and XX/XX/XXXX, I requested an itemized bill with a copy of the original receipt with my signature which I never received. 
Today, while on the phone with XXXX from AD Astra Recovery services, She lied and stated to me that I spoke to the collection agency on XX/XX/XXXX. I informed her that I did not speak to them however it was Speedy cash, she then went along and admitted that they purchased this account from speedy cash on XX/XX/XXXX and that they have not spoken to me. XXXX the manager has been made aware of this situation and per her request sent an email of dispute to XXXX. Copy of this complaint is being sent to Consumer Financial Protection services As well as Ad Astra Recovery Services. Certified Letter has been sent to Ad Astra Recovery Services
Consumer complaint received 2020-07-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

Amex charges me a RENEWAL MEMBERSHIP FEE of XXXX on XX/XX/XXXX and canceled my account in XX/XX/XXXX. I didn't receive membership services for which I was entitled to as a member. I have contacted Amex on six different occasions to have this fee removed.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

The systems that they have in place don't let submit your monthly payment for your properly, you can change the password to try to get access to your account but it will always say that the information is incorrect ; and later it will block you. 

I'll should have pay my mortgage on the XXXX of XXXX and is the XX/XX/2020 and I'm still unable to go in ; if you call them no one answer not even after an hour of been on the line.

So they are forcing me to pay by phone to collect a feed, but at this point I cant pay one way or the other. 

I need help and the need to be monitor
Consumer complaint received 2018-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Collection Services, Inc. (OK, TX) (OK)

On today XX/XX/2018 approx XXXX central standard time I received a call from a debt collector. I explained driving filing bankruptcy. I attempted to explain can't get attorneys information driving I was unable to pull over he gets angry and hangs up. The call didn't drop he was angry and badgering me for the information. I was trying to advise to call me bk on tomorrow would be happy to get the information. This debt collectors name is XXXX XXXX that called me. So after he hung up I called the Company back and spoke to XXXX XXXX with American Collections he said he was a supervisor I explained to him what had just happened and he said to me we just need your attorneys information?? I said sir you need more than that I was mistreated and you don't have a right to mistreat people. I asked for his senior manager he refused and said this is as far as this is going to? He was bullying me to as if I don't have a right to voice my concerns over this gross misrepresentation!! I advised him of filing a complaint against the company and both of them!!!
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I was notifie d two years later of   missed payments on my Dept. of ED loan, for which I applied for and received forbearance. Navient inadvertently applied the forbearance to my Federal loan, and are trying to m ake me pay for their mistake. Their error increased my payment and extended the life of my loan. I 'm absolutely certain their efforts are fraudulent. The customer Service advocate 's initially response was : inconsistent payment times caused the loan to accrue interest. That 's what late feers are for, but no fees were assessed.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

My phone and wallet were stolen and used in the same city I was visiting at the time. In XXXX XXXX I reported the theft and unauthorized charges right away to Chase Bank. Despite the timely report, Chase ruled that the unauthorized charges were legitimate and the funds were withdrawn. Chase stated that I needed to provide evidence but despite giving the police report, they still ruled against me stating the charges were legitimate. Police report # XXXX
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Granite Edvance Corporation (TX)

I sent a dispute straight to Granite ( XXXX XXXX XXXX ) about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from Granite via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX  and XXXX  and 180 days late at that point with XXXX.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company.
Consumer complaint received 2020-09-12
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: EQUIFAX, INC. (TX)

Again, I did not authorized theses inquires and reaching out to the companies was unsuccessful. 

Before calling you guys, I took the time to contact each company separately and neither one could give me any information or where this inquiry came from. 
The only course of action the company gave me was to file a dispute. I don't know the technical term for any of this, I just know I don't recall giving any company permission to pull my credit report. 

I did not file a police report because your website states to contact the creditors, if I don't recognize the inquiries and I did. It does not say anything on your website about police report. All items listed below are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely stating those non-complaint unverifiable accounts on my report. 

These lenders have accessed your credit file : XXXX XXXX   XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX