davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Account Control Technology, Inc. (VA)

I am being garnished by a collection agency identified as Account Control Technology. XXXX, CA. XXXX. The above listed company failed to notify me regarding the intent to garnish my wages. As a result this garnishment has caused financial hardship leading to an intent to evict from my apartment and loss of medical benefits. I have a medical condition that could cost me loss of vision and have been greatly stressed over this financial hardship. The company has failed and refused to send me legal documentation regarding the nature of the loan. The company initially identified itself as part of an Obama program and in association with Federal loan servicing, after doing much research this company is not a part of either program. They did not identify themselves as a collection agency. I am facing the loss of my home and XXXX because the garnishment is causing a financial hardship. They keep trying to get me to agree to a verbal contract. I have requested written documentation and as of this date have not received any legal documentation from this company. I do not understand how anyone could expect me to agree to a phone contract when they have been deceptive in their approach and are refusing to send legal documentation. I realize that their only concern is to make a profit for themselves but this should not cause me to become homeless or loose my XXXX. My housing and XXXX are very important. I have been on the XXXX because I can not understand how a company could garnish wages to cause homelessness and XXXX. There are many options regarding students loans that could have been utilized had I been given the chance. Your consideration in this matter is greatly appreciated.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: STERLING JEWELERS, INC. (FL)

Kay jewelers has been incorrectly reporting a over 6 year old debt to my credit bureaus. It has been reaged every time it was sold off to another collection agency and is still in the name of the original creditor who no longer holds the debt.The XXXX now owns my debt and has been unable to validate the original date as it has been closed and in collections for over 6 years. They are refusing to remove the negative account on my credit reports and have been negatively effecting my credit score each time they reage my account.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have notified Equifax numerous of times through phone calls and through XXXX certified letters. No response from Equifax!! Pertaining to my Chapter XXXX Bankruptcy that has been placed on my credit report. I understand that my bankruptcy remains on my public report. The U.S. Bankruptcy Court and credit bureau are not affiliated in any manner and the court is unaware of their process and or procedures for reporting or removal of information from a credit report. In addition, the U.S Bankruptcy Court does not report or verify information with the credit bureaus. The credit bureau have their own procedure for retrieving information from the public record of the U.S Bankruptcy Court and the court has no knowledge in this regard. I ask Equifax to validate ( XXXXx 's ) with the United States Bankruptcy and provide me with copies of and documentation associated with my Bankruptcy, bearing my signature. After, the XXXX attempts and no response, because they ca n't show me proof with my signature. Failure to respond satisfactorily within 30 days, will result in a small claims legal actions against the company. I will be seeking a minimum of {$5000.00} in damages for violation of the Fair Collection Practices Act, Negligent of Identity fraud and Defamation. I formally request that this information be immediately be deleted from my credit report.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

my husband and I are currently applying for a modification and we have left several messages for our assigned representative and his supervisor ... XXXX and a XXXX. we have not heard back from wither of them. I spoke to the collections dept who assured me that they would be in contact with us and neither of us have received a call. we have n't been denied or approved and the foreclosure process has started. I still have n't been able to get someone to call us back and we 've faxed in all the requested docs
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have been paying towards my student loans for over 10 years now and I owe just as much if not more than I did when I started making payments over 10 years ago. I am a XXXX working in the XXXX in the state of CT and we are also the lowest paid XXXX in the state of CT. I have contacted NAVIENT on numerous occasions regarding the fact that my balance is not decreasing and the only response I got from them was to make larger payments. How and I supposed to do that when I am barely making ends meat as it is. I have also requested information regarding loan forgiveness since I am XXXX in a poor district and I have been XXXX for over 11 years and I was told that I do not qualify. Over the past 10 years since I have paid XXXX per month I should have seen a decease in my outstanding balance and I have not. I am to the point now where I am seeking legal action against them and I am hoping that you can help me. At the rate things are going I will be paying off my student loans until the day I die which does not make any sense.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, I entered into an investment contract with XXXX VIP XXXX ( the Company ) to transfer XXXX USD. Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my money within a very short period of time. 
I advised Bank of America of this fact on XX/XX/XXXX and I havent received any satisfactory response so far. 
I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money. 
My true issue with the bank is their limited understanding of the kind of recall I was consistently requesting to raise. Whilst I am not denying the demand for the reason code, I have deliberately emphasised to the bank that my case falls under a different reason code. Despite providing the bank with the required explanations of my case, Bank of America preferred to stick with the authorisation issue which has never been raised by me which already shows the banks lack of understanding of how to treat my case. 
Bank of America could have done more at the time of the payment to warn me of the risks of scams - Taking steps to educate their customers about scams - Taking steps to identify higher risk payments and customers who have a higher risk of becoming a victim of scams - Providing effective warnings to customers if the bank identifies a scam risk - Taking extra steps to protect customers who might be vulnerable to scams - Talking to customers about payments and even delaying or stopping payments where there are scam concerns- Acting quickly when a scam is reported to it - Taking steps to stop fraudsters from opening bank accounts
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I was overdrawn on my checking account due to a paypal charge XXXX was for XXXX dollars and XXXX cents, so wells fargo charged me XXXX dollars overdraft fee even though they took the money out of my savings account, another charge was XXXX cents and they charged me XXXX dollars over draft fee, the bank made XXXX dollars for a less than XXXX dollar mistake.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I own a credit card processing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I turn in accounts through priority payment systems and TSYS. I have not been paid my residual amount. The portal that I enter the information that shows my calculations have changed several several times To a smaller and smaller amount. I can not get a straight answer from anyone. I had some former employees that stole my identity and Are hacking into my clients information and I believe that is where my money is going to, but nobody seems to know. I have lost my office because of this, and I have not made any money all year. I need someone to investigate where my money is going, and why the numbers And calculations are always changing when it comes to my portfolio
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXXXXXX XXXX XXXX that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus 6 times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXX XXXX  in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.
Consumer complaint received 2022-08-15
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. (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

In XX/XX/2020, after making my monthly XXXX mortgage payment ( VA loan ) for XXXX, I requested a temporary payment deferment ( forbearance ) due to a COVID 19 hardship. The balance on my account in XXXX after the payment was {$130000.00}. While in forbearance the account balance reported to all 3 credit reporting agencies has increased monthly with being reported XXXX XX/XX/2020 with a balance of XXXX which does not accurately reflect what my monthly statements show and is incorrect. My mortgage account is also being reported to all 3 credit reporting agencies as in forbearance and the monthly payment status is not being reported as current but as no data available. My mortgage was current when I requested the deferment and per the CARES act for a federally backed mortgage should not be negatively affecting my credit and it is. As the balance increases, the acct forbearance statement XXXX is making on the reports and no data for the monthly payments how would this not negatively affect my credit. 

On XXXX XX/XX/2020, I called and reported that I was no longer being affected by a COVID 19 hardship and wanted to get my payments back on track but could not repay all at one time. The lady said that I could do a loan modification and the payments would be added to the end of my loan. I made a normal payment for XX/XX/2020 ( the amt I had previously paid ) however I recently found out that the loan modification 3 month trial will not begin until XX/XX/2020 and that any payments I make between now and then will be held in a " holding account '' until the 3 month trial modification begins. 

I am not sure why I need a trial loan modification when I am no longer under a hardship due to COVID 19 and can they legally hold a lump sum of money in some separate place not going toward my loan? If I have made the request to resume my payments why should they not be going toward my loan and the balance, yet they continue increasing my balance and reporting an increase to the credit reporting agencies that in not consistent with my monthly statements ( they report more than my statements say I owe ) and then hold my money in some secret account and say I can't begin a 3 month trial modification until XX/XX/2020 when I requested to get back on track on XXXX XX/XX/2020, making a payment on XXXX XX/XX/2020 that is not even going toward my account. 

If the CARES act states that they can not negatively affect my credit they very much are negatively affecting my credit and holding my money.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (KS)

I opened an account with XXXX for a Walmart credit card and made one large purchase in XXXX 2015. I called around the end of XXXX/ beginning of XXXX to say that I do n't believe that I have received a bill. The person took my checking account info on the phone and ran the account and I set up auto pay. I thereafter found out that the checking account number that was entered was wrong and attempted to correct. I have made payments every month and have attached payment history.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (GA)

I decided to purchase a riding lawn mower during the summer. After shopping around my wife suggested that we purchase from Lowes. Against my better judgement of going to The XXXX I gave in to purchase from Lowe 's. Having the Lawn Mower a little more than 30 days the pulley broke. I sent it out for repair after going through hoops with the repair cost because the salesman told me the 3 year protection plan would cover the cost of any repair of the mower and if anything ever happen to it we could bring it back and get another one is how he explained the protection coverage at the time. After paying my ex landscraper to cut my lawn I Finally got the lawn mower back. Two weeks later I go to cut my grass and the same exact problem- the pulley comes off again. What a headache! Its obvious that this product is defective. Lowes can care less about their consumers. I 'm not going to pay for a defective product and neither should I have to send it out for repair after every use. Stop selling bad products! This is the second time I 've had the same problem with a so-called new mower. I will be contacting the Attorney General 's office on this matter and reaching out to other sources as well about this matter since I ca n't get anywhere with Lowe 's. I want lowe 's to refund my card and come pick up their defective mower.
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MI)

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two XXXX XXXX accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to XXXX XXXX and they are refusing to remove the fraudulent accounts. XXXX XXXX : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opened a bank account with Bank of America via an online public offer of {$200.00} bonus for depositing {$1000.00} of new funds into the account within 60 days. I opened the account online through the public link, and met the deposit requirements within a week of the account opening. I 've now only received {$100.00} of the advertised {$200.00} bonus. BofA is now citing me other terms and conditions not present at the time of the application, as well as alleged emails requiring customers to pick their preferred offer and associated terms. These emails were never received. The offer is publicly available to online applicants ; which I was.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

There has been recent changes to my Equifax Credit Report, I requested for Equifax to send me a copy of my credit report so I can confirm the changes and that my credit report is reflecting accurate information. Equifax has failed to supply me a ud to date credit report.