davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Check was cashed on XX/XX/XXXX, but money frozen until XX/XX/XXXX. Wells Fargo pretended nothing happened, and my money wasn't just frozen for 10 days. 

I cash a {$1500.00} check on XX/XX/XXXX and sent {$380.00} available immediately to XXXX. On XX/XX/XXXX got an email said my {$1500.00} check was on hold and charged overdraft fee. Called Wells Fargo, and they said the check was " not payable '' and I need to call the check issuer. 

The check issuer said the money {$1500.00} left their account on XX/XX/XXXX. Check did not bounced. Money left their account properly. I still can't see my money on XX/XX/XXXX. 

On XX/XX/XXXX I saw a balance {$1100.00} on my account suddenly and a post dated {$1500.00} check that was claimed to be deposited on the XX/XX/XXXX, but money was actually frozen until XX/XX/XXXX, causing the overdraft fee to show up on XX/XX/XXXX.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

SOURCE RECEIVABLE MANAGEMENT THESE PEOPLE HERE ARE VERY RUDE YOU SEND IN LETTERS FOR VALIDATION EVEN CERTIFIED LETTERS THEY WILL NOT RESPOND IT IS THE LAW A PERSON HAS A RIGHT FOR VALIDATION THEY NEED TO BE REPORTED I HAVE SENT IN SEVERAL VALIDATION LETTERS AND HAD ONE OF THEM CERTIFIED THEY STILL HAVEN'T RESPONDED THEN I DON'T KBOW WHAT ELSE TO DO I WANT TO KNOW WHERE THIS DEBT CAME FROM DIDN'T KNOW UNTIL I CHECKED MY CREDIT THIS COMPANY HERE IS VERY VERY RUDE THEY NEEED TO BE PUT ON THE NEWS OR SOMETHING I PROMISE YOU THEY WILL NOT RESPOND TO YOUR VALIDATION LETTERS CODE 809 AND CODE 609 WE HAVE RIGHTS AS CONSUMERS
Consumer complaint received 2021-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (IN)

The debt that this company has sent to collections was paid by my insurance company ( XXXX ). Below is a letter I am sending to them detailing the actions I am taking. I have contacted them dozens of times with no resolution. They have sent my account to collections and have refused to retract it. I am at my wits end and will be initiating legal action if they persist in tearing up my credit. 

XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL. XXXX RE : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim that I owe {$1900.00} for dates of service XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have spoke with your agents several times about this issue. XXXX has claimed that they have paid these accounts in full. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation : that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I do not owe, is a violation of the FCRA & FDCPA : therefore if you can not validate this debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for Defamation Violation of the Fail Debt Collection Practices Act ( Including but not limited to section 807 8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623 b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

Navient continues to send me correspondence stating that I owe an amount that I can not pay per month. I was paying the required minimum amount. I spoke with a a customer service rep for Navient and continue to get bothersome calls from them. The rep and myself never came to an agreement for repayment then I received bills that took my payment from {$5.00} per month to {$310.00} per month. I can not afford this monthly payment amount and I fear this will go back on my credit. I have worked hard to make the monthly payments I could afford to get this off of my credit. 

When I call regarding this I am told that it is income based and This is the amount I should be able to afford based on my gross income. I am currently attending college and paying my tuition out of pocket and have a child in college and can not afford this payment.
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Consumer complaint received 2021-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am XXXX XXXX I am not a third party. I sent the Credit Buearu 's a dispute letter regarding my personal information being exposed and someone attempting to use my credit. I see inquires that I did not authorized on my report.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (VA)

First Bank of Omaha continues to lower my credit limit as I make payments on the credit card that was issued to me by the institution. The policy negative impacts my credit score because it continually show I have a high credit utilization rate.
Consumer complaint received 2021-07-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Accounts not opened by me appear to be reporting on my report. I dont know what else to do to resolve my problem. I have listed them below. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

12. Identity ThefXXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal has kept me from accessing my money even after waiting for 180 days. I have provided all the documents I had like they asked and they promised that I would be able to withdraw the funds after the 180 days, but they still block the funds. I try to call, they don't pick up, I message them, they don't answer. I need the money real bad! Please Help me. I've been trying to resolve this issue since XX/XX/2020. 
My Paypal account is : XXXX XXXX
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OK)

Equifax has no credit file or score for me despite my accounts that reports to them Self loans I have paid for 12 months and also have a credit card I pay this company assured they reported to all three and two has confirmed but Equifax has nothing which really hurt my chances of getting any financing for a car, home, credit card I have repeatedly asked them to find the problem and XXXX  denied and ignored and they wont give me access to my report
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (GA)

I have or had a credit card from Macy. Which was at XXXX balance. I had problems in the past about some one charging on the card. The card was supposed to be locked. I did not get any information about a balance. I checked the account for some reason and saw that there was a balance on the card. When I contact their customer service. They remove the balance because of their error. I asked to close the account because this was a frequent occurrence. Now I find out that Macy credit card. Has filed delinquent charges on my credit report. I feel that they did this because I didnt want to continue business with them. I am requesting to have the negative report from my credit.
Consumer complaint received 2020-11-28
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)

Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (AZ)

BMO Harris Bank N.A . is claiming not to have received an XXXX payment that in fact shows received. I have been speaking with a representative in the compliant department since XX/XX/2020 and he too is having difficulty having the account reconciled. I have also filed a compliant with the XXXX XXXX XXXX. The XXXX closed the complaint as the business claimed to have sent me a letter. The letter I received was that I still owe a payment. Prior to this, I was speaking with Customer Representatives over the phone that were unable to figure out why the payment was missing. I have statements showing the business has taken the money from my account .... 

- XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$770.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$760.00} ( applied to the XX/XX/2020 amount due ; the statement received showed a balance owed of {$480.00}. The representative I spoke with claimed the account would resolve itself as I have been making the payments. So, just to make my normal payment. ) - XX/XX/2020 = {$720.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$43.00} ( applied to the XX/XX/2020 amount due ; this was due to a Representative calling me and telling me if I paid this, I would be current, owing a payment for XX/XX/2020 ). 

I have yet to receive my XXXX statement ( and never received a XXXX statement ), which I was hoping to see the account reconciled. However, instead I received another letter stating that I missed my XXXX payment. I'm not sure if the bank is failing to apply the payment and keeping it in unapplied funds ( this was a theory of my Complaint Representative ), but this needs to be resolved. The compliant Representative XXXX XXXX has not returned any of my calls or emails since XX/XX/XXXX and his Manager XXXX XXXX has declined to get involved. Another email address that has fallen silent is XXXX. This is the email address Representatives keep giving to submit for review. I have emailed this email address four times to try and get a response. Just to be clear, I have emailed the XXXX address, made two complaints on the BMO website and two complaints on the XXXX with still no resolve.
Consumer complaint received 2019-11-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (AZ)

I got paid {$2000.00} usd from my VA benefits on XXXX, XXXX 2019. After receiving my money on Venmo services via XXXX transfer I paid my car note, got a hotel ( currently XXXX  ), and got gas and a couple other things. Upon my arrival at the hotel I booked on XXXX   with my Venmo card i tried to pay the {$10.00} early check in fee my card was declined. I go to the gas station next door to get money off of my Venmo debit, its declined twice. I call Venmo and the gentleman told me there were red flags in the internal system so they couldn't see why my car was getting declined or what the flags were, due to the fact they were system generated. He also told me my account was in good standings so he didn't understand why it was being declined. I got od the phone an at some point sent my fiancee {$1600.00}. After a full day of emails and calls still getting the same result I get an email late that night stating that my account has raised a red flag and had been frozen. After calling an emails the women informs me that I was in violation of the User Agreement, which they still haven't told me what violation accured, but also told me my account was permanently closed and funds were refunded back to my account. The {$150.00} that they froze an i tried to send via instant transfer, which wasn't available then sent standard transfer had been refunded back to my account. Now Monday XX/XX/2019 the XXXX transferred to my account along with the {$40.00} my wife sent me. 

My wife just received a email stating that the {$1400.00} i sent her has been flagged an under investigation. They have given no reason for the flag or no resolution. The email stated that it will take 180 days to reach a resolution. We are currently XXXX  because of this incident with no sign of it being resolved. I have screenshots as well as times and emails.
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I tried to send {$680.00} to my cousin in XXXX on XX/XX/XXXX but the transaction was denied at the MoneyGram agent in XXXX, GA, no explanation was given why it is denied. I went back to the same location on XX/XX/XXXX to send same amount but again the transaction was denied. Then I decided to send the money through my wife on XX/XX/XXXX and this time the money was transferred to XXXX but the recipient was declined to receive the money and was told that this transaction was cancelled at the other side. ( Reference No : XXXX ). 
I started sending the money to two countries, XXXX and XXXX using Moneygram since XXXX and transferred money to the same recipient 5 times. In almost 4 year, the amount transferred was within the transfer limit. In one other instance, the transaction of {$100.00} was denied onXX/XX/XXXX and later on it was transferred the next day. My question is this : why the same recipient received 5 times money and denied this time ( XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ) I feel Moneygram violated compliance with the Remittance Transfer Rule and failed to provide a clear and detailed information, showing a globally nontrusted foreign exchange service with no fair treatment shown. Their customer service is very disappointing.
Consumer complaint received 2019-02-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FBC MORTGAGE, LLC (CO)

FBC Mortgage ( serviced through XXXX ) is taking my home away through a foreclosure sale on XX/XX/2019, even though they have failed to review my loan for retention options. I am a XXXX veteran on a fixed income who fell behind on my mortgage when I lost some of my benefits. When I contacted FBC Mortgage/XXXX, they said there was nothing I could do except to pay the full past due amount. This is impossible and I thought that they had to help me keep my home. They are short and rude with me on the phone and there isnt anything I can do to change their minds. I have never had a single point of contact and I need some help with them to stop the sale date and initiate a review for mortgage assistance. I did not survive my combat tours in XXXX to become a homeless veteran. I am hoping your agency can help turn things around and get them to work with me instead of taking my home away.
Consumer complaint received 2020-08-19
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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (GA)

I disputed a bankruptcy on my experian credit profile that is not mine. They are saying they verified it with both the courthouse and XXXX XXXX and I even provided them with proof that they did no such thing. The last time I disputed this I got a notification that they received it and they verified it at the same time. So clearly they did not even do an investigatin at all. Please help me remove this from my credit report!
Consumer complaint received 2021-04-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Love, Beal & Nixon, P.C. (OK)

This a new complaint about the following complaint XXXX. On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXXXXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk to me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus. I believe Love , Beal & Nixon , P.C . is being dishonest and withholding information or documentation. Also, I believe the law for violating federal law by harassing and contacting the consumer. The law firm stated that they checked and my private student loan was not discharged in my chapter XXXX bankruptcy? What did they check?

Company 's Response : Love , Beal & Nixon , P.C . ( LBN ) represents XXXX XXXX XXXX XXXX XXXX XXXX, A Delaware Statutory Trust in a civil action filed against XXXX XXXX XXXX on a defaulted student loan obligation. LBN acknowledges the bankruptcy filing by XXXX XXXX XXXX. However, LBN has confirmed there was no adversary action filed within the bankruptcy proceeding. As a result, the student loan obligation has not been discharged by the bankruptcy proceeding and our client has given us authorization to proceed.