davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

I called Bridgecrest call center on XX/XX/19 and spoke with XXXX ( tax id ; XXXX ) in regards to assistance with my car note for the next two months as I am in between jobs. For over one year, I have paid my car note on time without any tardiness. However, the one time I need assistance while I find a new position ( I just accepted a new position with the start date of XX/XX/XXXX ), Im told that you all dont offer assistance. 

When I purchased my car with XXXX, NONE of the sales rep in XXXX vending machine stated I would never be able to get help. If they had, I would have taken the higher percentage with XXXX XXXX when they offered to finance my vehicles or used my current bank, XXXX XXXX, as they too offered financing. 

I contacted both the Bridgecrest CEO and the XXXX CEO. I never received a response from either company. Maybe the CEO 's dont know how it feels to be without employment since both of your backgrounds are very robust in entrepreneurship and investment ideas, but I need assistance. And I don't have that luxury nor am i living the good life. I live within my means and when I need help, I ask. 

So, Id like to know why am i not able to received payment assistance? Is it worth the car being repossessed? I mean if I file bankruptcy, the profit would still be lost. So, even though I would have to deal with a bankruptcy for seven years, it's better than dealing with a company who doesn't help their loyal customers. Ever since I got my car, I have referred SIX people, three of which also have cars from XXXX - XXXX XXXX, XXXX XXXX and XXXX XXXX. The other two - XXXX XXXX and XXXX XXXX - decided to use XXXX instead as XXXX was giving them both issues. The last guy, XXXX XXXX, has submitted a complaint as well about XXXX 's financing policies.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

Looking at my credit report and checking my loan balances i noticed that all of my student loans through Navient have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

On XXXX XXXX I received a transfer to my account via XXXX of {$300.00}. On XX/XX/2022 I noticed that Wells Fargo had reversed that transfer back out of my account. My husband and I both contacted Wells Fargo numerous times and were told that the sender reported fraudulent activity on his account and this reversed the transfer. The sender did go to our local branch and had a statement notarized by the banker informing Wells Fargo that he did intentionally make the transfer to us and it was not at all a fraudulent transaction. Wells Fargo refuses to return the money to our account because the senders accounts is overdrawn. It is not our responsibility to cover his overdrawn account. He did intentionally send the money to our account.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MS)

I submitted a request to dispute charges to XXXX in the amount of {$2000.00} and XXXX in the amount of {$4000.00}. I had a contractor do repairs at my home on XX/XX/2022 and they were to be completed by XX/XX/2022 totaling {$6000.00}. He didn't complete them, I have over {$3500.00} worth of work that he left behind and the wife says the work was completed. I have text and recorded calls of him stating that he was coming back to complete the work. I live in XXXX, XXXX XXXX The City will impose fines and fees for not maintaining your yard, let alone the house. Since the pandemic, they have been somewhat laxed but they are getting back to usual. Why would I spend {$6000.00} to have a contractor work inside and leave some of the work uncompleted outside, the major components of the repair. That logic simply doesn't make since. Now they don't want to complete the job. The day they started, we were expected violatile weather within the following days and they didn't couldn't paint the exterior or replace the glass. He did the same thing at my parents house and the only reason they are receiving anything back is because he had another contractor working with him that didn't want a claim filed against his business. They were simultaneously working on our homes and vanished on both of us until we started threatening them with legal consequences. Since this happened I find that the XXXX I used is out of XXXX and has a background that supports his lack of integrity. They have no intention of returning my money and never intended on coming back to complete the work here or at my parents.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CO)

Received notice from Convergent Outsourcing Inc regarding a XXXX bill. As I have numerous XXXX accounts I asked them to send validation of the debt and what was the service address. They sent a letter saying it is a valid debt and included a XXXX statement dated XX/XX/18. It had no information as to the location nor why the money was owed. I called Convergent. I was told this was the only information XXXX provided them. I was told to call XXXX which I did. XXXX had no information because they apparently sold this account to Convergent. According to XXXX, Convergent has all information on the account. 

There are several problems here. I realize it is a small amount. Had I received a bill in XX/XX/2018 I would have paid it. Now 2 1/2 years have passed and the collection agency, out of the blue, wants me to pay a bill that neither they, nor their client can provide me proof of the debt. 

And the collection agency says, again, that I need to get this information from XXXX. XXXX looked it up by my SSN, the account number, the phone number, etc. My issue is, if these companies are going to buy and account, then they must assume responsibility for the information they have. If not, then drop it!
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (FL)

After several years of not monitoring my credit reports, I finally requested a copy of my XXXX, XXXX and XXXX XXXX credit reports in XX/XX/2019. I continued to monitor them, and on XX/XX/2019, I noticed Sequium Asset Solutions/XXXX XXXX, noted on my credit report as a collection. I originally ordered the service because XXXX XXXX talked me out of a streaming service and agreed to provide me with 1 ) XXXX XXXX cable TV, 2 ) 100MB internet, and 3 ) cell phone service through XXXX  for a total of $ XXXX/month. XXXX XXXX only provided me with cable TV. I did not receive the 100 MB internet or cell phone service as was agreed upon and contracted for. I called XXXX XXXX on multiple occasions with no return call received from the problems department. Of course, I cancelled my service because XXXX XXXX reneged on their end of the agreement. I never received a written notification from either company stating that I owed a debt or with intent to collect a debt. 

On XXXX.2019, I wrote Sequium Asset Solution/XXXX XXXX, with a request for them to validate the debt and sent it via certified mail, as is in my rights under the Fair Debt Collection Practices Act. I did not receive return communication from Sequium Asset Solutions/XXXX XXXX. The validate debt letter was sent via USPS certified mail with tracking number # XXXX and was delivered and left with individual at Sequium Asset Solutions/XXXX XXXX on XXXX.2019 @ XXXX per USPS records. I  have not received any communication from Sequium Asset Solutions/XXXX XXXX to date. 

I would like Sequium Asset Solutions/XXXX XXXX collection account to be removed from my XXXX, XXXX and XXXX XXXX credit reports. Thank you for your help in this matter.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (CA)

I was alerted via XXXX XXXX ID Theft protection service that an account was opened under my social number with Navy Federal Credit Union on XX/XX/2019. The bank did not verify that the social securitynumber did not belong to the person opening the account. It also ignored the fact that I had place a security freeze on my social security number with all three agencies. I have filed a report with the bank a week ago and they aresupposed to investigate but they have not been forthcoming about how this happened and what damage hasbeen done to my credit file as a result. I have called multiple times.
Consumer complaint received 2022-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (RI)

account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this services
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All of these Inquiry or not done by me I have reach out to Trans Union Credit Services by phone XXXX as well by mail po box XXXX XXXX, PA. XXXX Please help me get this resolved none of the inquiry listed below should be on my report I never tried to get credit at any of these places. 

XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX IXXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Auto XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX (  Finance ) XX/XX/XXXX XXXXXXXX XXXXXXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX, XXXX
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable.
Consumer complaint received 2022-09-15
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. (LA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian has the month and day of my birth date wrong, is listing two names not associated with me, and is listing my previous address as my current address. I tried to dispute these errors online on XX/XX/2019, but the website responded with a " not disputable '' error message for each. 

I tried calling, but could only reach a robot. It is impossible to speak with a person regarding the errors in my account.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have tried to contact Experian in regards to the removal of a security freeze by phone and its website and it keeps asking me for money to remove it and pay a fee for this service. The account that i have on this website is free and each and every time i go to the options in order to remove the freeze the website malfunctions on my account. Customer Service on the Experian side never answers it keeps going through the auto attendant systems for the options and you never get to speak to a real live person to fix the issues with their services or my information.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (IL)

Background : I moved all my money out of this account after they slashed interest rates with no notice. Then, they suspended my account and made me prove my identity just to get my tax documents. Then, I was unable to access tax documents. 

Problem : I tried to login using their instructions ( they use a 3rd party website for tax stuff ) and it didn't work. I tried to reset my password there, no dice. I tried emailing them but they're incompetent and weren't able to help me. Finally, they gave me a phone number to call. I called and still, they can't help me. Maybe because they outsourced their customer service just like their tax document preparation.

1 ) I tried to follow the instructions on the email. It said go on XXXX and login with " site ID '' of XXXX, then your username is your account number, and the password is the last 4 digits of your social. DIDN'T WORK. 

2 ) I hit " forgot password '' on the website. They said they're gon na send me an email with instructions on how to recover account. I got no email.

3 ) Called customer service. They're incompetent and have no idea what a 1099-INT is much less how to access it.

I JUST WANT MY 1099-INT MAN. MAIL IT TO ME OR GIVE ME ACCESS TO IT.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

This complaint is about Wells Fargo Bank. 

I have attempted twice now to send a domestic wire transfer from my Wells Fargo account. I followed the bank 's instructions, but they cancelled my transaction within 24 hours with no prior notice and without explanation as to why. I was notified of the cancellation by email replicated to the bank 's online message center. I replied to the email only to get a response telling me to reply through the message center. However, when I went online to the Wells Fargo Message Center, the email function reply had been disabled. In fact, there was no way to contact them in writing at all.

Only after more than 2 hours on the phone with the bank ( being shuttled between various departments as well as being cut off twice and having to restart the phone call each time ) I was told the transfer had been flagged for fraud. But Wells Fargo had made NO attempt to contact me to verify if the transaction was legitimate before cancelling it. Every other financial institution I deal with has a system in place for quickly verifying with customers whether they recognize a specific transaction. 

At the bank 's instruction I resubmitted the same transfer online. However, the fraud specialist who recommended this course of action also stated he did not know the reason the transaction had been flagged and could not guarantee it wouldn't happen again. So this time, I tried to head off any issue by calling the bank a few hours after resubmitting the transfer, only to be told it had AGAIN been flagged for fraud. Then I was told I had to wait for a callback from their fraud department sometime in the next two days (! ), and that they could not tell me when they would call, even though I explained that I could not take personal calls during working hours. I then spent another hour and a half on the phone with them before finally being escalated to a manager who could release my money.

While on the Wells Fargo site, I investigated their " security center '' to see if there was any way to inform them that my transaction was legitimate. There was not. All of their online options for security alerts allowed consumers to report suspected fraud, but there were NO options to allow consumers to verify that a transaction was legitimate.

My complaint therefore has two parts : 1 ) Wells Fargo ( unlike other financial institutions ) has no system in place to quickly verify with the consumer whether or not a specific transaction is genuine. 
2 ) Wells Fargo has made it impossible for an online consumer to contact them in writing to verify a transaction or even to get an explanation about why a transaction was declined. ( I suspect this is intentional ; it leaves no paper trail and also leaves the consumer at the mercy of their so-called " customer service '' phone system, which in my experience functions more as a maze to cut off unwelcome conversations and prevent consumers from reaching anyone with authority. )
Consumer complaint received 2021-05-05
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2021-02-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Contacted XXXX and XXXX multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.
Consumer complaint received 2019-08-09
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: U.S. BANCORP (MN)

For greater than one year I have repeatedly requested that XXXX remove US Bank 's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from US Bank acknowledging the error and blaming XXXX. Also attached, in a dispute to US Bank, is the contact from XXXX  that stated that US Bank keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on XX/XX/XXXX.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Access Receivables of NC Inc. (AL)

I am having with my credit report. The account name Receivables was added to my report and was disputed with XXXX on XXXX XXXX, XXXX. The investigation was completed and the account said above was deleted from my XXXX credit report. Later, the account was added back as Access Receivables Management on XXXX XXXX, XXXX. This action infringes on my Fair Credit Reporting Act Rights for Section 605 [ 15 U.S.C. 1681c ( c ) ( 1 ) ].
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc. (PA)

I went to use my Coinbase debit card last night around XXXX XXXX and the card was declined. I knew that I had sufficient funds available on the card so I checked the app and was greeted with the message " Your Card is temporarily suspended after detecting some suspicious activity. '' I attempted to contact Coinbase XXXX  @ XXXX but the automated system never allows me to speak to an agent. Once I type in my information it disconnects me. I've sent messages on XXXX as well as emails trying to get this resolved. There has been no suspicious activity on my card and I really need access to it again but haven't received any type of response from the company, which is unacceptable. The card is issued by XXXX.