davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I was contacted by my bank form the XXXX number that is on my credit card/debit card, they stated they were from the Wells Fargo fruad department and I had XXXX dollars bieng taken out my account form XXXX. If I didnt fix it now tomorrow morning it would be to late to get the funds back. They asked me my last 4 of my card and I stated that i wasnt comfortable with that he said the we have the card number just verify it so he read my card number to me, He also had all my bank info so I asked to speak with a manager and hung up. I called the XXXX number waiting for a person and the call came in from the same number so I answered it and I ladie stated she was the manager and gave me her ID # XXXX. She was here to assist me so my money wasn't taken and told me to follow all the steps to retrieve my money. The problem was thru XXXX and we had to go thru a process that she was watching from her office, so I did what she asked and I was scammed! The sad part is that I thought it was real because she called from the banks XXXX same as on my card. I called the bank that night to speak with the lady again and to my surprise No such name or Id number. So I asked the other lady to cancel all transactions but she said it was to late. So I cancelled my debt card and was sent a new one also asked for a fraud specialist, the fraud n # was XXXX / XXXX I received a letter stating that Wasn't getting my money back and they will continue to ask XXXX for my XXXX dollars. So frustrated trust when they called me now I'm out the money. PS I have been with my Bank since 1992 and such a disappointment. 

Respectfully submitted XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MRS BPO, LLC (IL)

To Whom It May Concern, On or around XXXX XXXX, 2016, I received a debt collection notice from MRS Associates of New Jersey alleging I owed {$250.00}. An amount they claim was incurred from a XXXX XXXX account. MRS Associates proceeded to furnish this negative information to the XXXX major credit reporting bureau, XXXX, on or around XXXX XXXX, 2016. On XXXX XXXX, less than 30 days after receiving notice from MRS Associates , I sent a notice of dispute and request for validation, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report Act, via U.S XXXX Postal Service Certified Mail with return receipt. On or around XXXX XXXX, 2016 MRS Associate 's employee received my notice of dispute and validation. 
I continue to dispute the validity of the claim of debt from MRS Associates, as I have no knowledge of the account referenced in MRS Associates ' notice. I requested that MRS Associates substantiate their claim of debt by providing me with ; statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. On or around XXXX XXXX, 2016, MRS Associates sent me insufficient validation, validation which does not substantiate their claim of debt. 
I request that MRS Associates remove all negative tradelines furnished to any credit reporting bureau and cease all collection activities until such a time validation of debt is received that properly substantiates their claim of debt. I will not consider this debt valid until I receive statements of the account, the name and address of the original creditor, and proof that MRS Associates is authorized to collect on behalf of XXXX. No person should be subjected to debt collection from companies not willing to substantiate their claims of debt.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc. (DC)

Based on information and belief, the alleged debt listed with Nationwide Recovery Services is not mine. I have continued to request for validation and verification of this alleged debt but to no avail. I am on XXXX years of age, and have submitted my disputes to the credit bureaus but they are still reporting on my XXXX report. Please stop these people from contacting me and my job
Consumer complaint received 2019-06-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

Purchased 2 XXXX XXXX. Turned in vehicles no response for a few months. Then I get a bill, but it does not explain what are the charges for. So i contacted Hyundai and asked for a detail breakdown on charges. Told me to look at my contract. 1 bill says {$800.00} the other {$1500.00}. Then i never heard from them again until I started getting calls from debt collectors.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court Southern Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!
Consumer complaint received 2017-02-15
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings (MO)

I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.
Consumer complaint received 2017-03-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

The fdcpa clearly states that harrasment aka calling repeatedly to collect a debt is against their policy, which is exactly what is happening to me, I would like to report that commenity bank is using harassing collection methods, and I have proof on my call list the amount of times a day I get called.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 21ST MORTGAGE CORP. (NY)

It is with great frustration that I am writing this letter to you. I have been requesting from 21st Mortgage corp a loan modification to no success. 
I have now received a notice of sale for my primary residence at XXXX XXXX XXXX XXXX, XXXX, New York XXXX from the Supreme court.. 
I began to struggle in XXXX after having a triple by pass. It was in XXXX when my wife lost her job and in XXXX it was then when I began to default on my mortgage.. Our daughter moved in with us and provides 100 % to the home.. We have provided various packages for a loan modification to no success.. I am presently again updating my finances and providing such to the bank. 
Please review our financial situation and adjust to an affordable level. 
Our mortgage is also upside down I desperately ask you help us. to keep from foreclosing. in our property and avoid further delinquencies. 
We have taken severe steps to better our financial situation. We have eliminated services to our home. This is our only shelter. 
I am requesting a work out plan that will extended the terms, lowering the rate and adjusting the principal balance..
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (SC)

I got a Apple credit card in XX/XX/2019. I used it many times in XXXX then charges started getting declined. I contacted them the 1st time they told me they thought it was fraud. I asked why they did not contact me and they said they should have. I told them there has been many charges to same company so why this was rejected they did not have answer. Told me it was noted and should not have any problems. Oh and these declines dont show up on statement or my online acct. then this happened again and called again. This time they restricted my acct because I question them about why there declining my charges. They asked me all sort of question like when I applied and even want to call my bank to make sure it was my account. Then told me it was under review. I talked to them a few times in 6 months now they all say they can help and never seen this before but when it comes down to it they say its under review and someone will contact me. I spoke to someone just days ago same story. I did pay the account off before it was even due and told then that I was paying it off with acct they have on file still did not matter. Apple/Goldman Saks should be fined or somthing I get a credit card and its useless then I get treated like a criminal. I even asked for there presidential office to be forwarded this issue. Nothing. So thats why I making complain.
Consumer complaint received 2017-02-15
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Medical Management, Inc. (NJ)

I was contacted about a debt that was supposedly due more than 2 years ago. The medical company was given full payment after insurance determination and then six months ago, they decided they want {$55.00} more without informing me as to why the barge was created out of the blue. Financial recoveries is not confirming the validity of the charge and the time frame allowed to make banged to already settled accounts before hassling the customer and ruining the bank balance and good credit. They must be prosecuted and not allowed to practice debt recovery.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (FL)

BOUGHT THE CAR NOW EVEN XXXX WEEKS AGO. HAD TO TAKE IN FOR A DENT IT HAD.PICKED IT UP YESTERDAY NOW THE EMERGENCY LIGHTS WO N'T TURN OFF & IS DRAINING THE BATTERY.I REQUESTED FOR MY CAR TO BE REPLACED. I HAVE LEFT SEVERAL MESSAGES FOR DIFFERENT REPS AT CAR MAX INCLUDING 2 MANAGERS & THE CORPORATE OFFICE. IS BEEN SEVERAL HOURS & I HAVE NOT RECEIVED ANY CALLS TO DISCUSS THE MATTER.I HAVE HEALTH ISSUES & THE SALES REP IS AWARE. THIS IS ONLY ADDING UN-Necessary XXXX.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   XXXX  I was never late on these accounts and should not have any late paymetns.
Consumer complaint received 2020-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (TX)

On XXXX I received a debt collection letter from Halsted Financial Services , LLC ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as XXXX XXXX ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with XXXX XXXX ( a PayDay franchise ). Someone used my identity to borrow this amount from XXXX XXXX sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from XXXX XXXX, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of XXXX XXXX  XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to Halsted Financial Services directly, but I know the XXXX has and was advised to take it up with XXXX XXXX. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with XXXX XXXX. I believe XXXX XXXX is complicit in many other such fraudulent loans.
Consumer complaint received 2015-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CT)

This is a complaint related to case number XXXX. In an action that can easily be described as " retaliatory, '' Ocwen Loan servicing , LLC has provided me with yet another incorrect statement for my second mortgage. Ocwen has admitted its mistake in disbursing two payments to the insurance company, XXXX XXXX. On Saturday, XXXX XXXX, I finally received the refund check for the overpayment. I mailed the check to Ocwen on XXXX XXXX. My XX/XX/XXXX statement indicates that Ocwen refused to apply my XX/XX/XXXX {$300.00} payment, which is greater than the typical amount due ( principle + interest ), and continues to demand I pay additional escrow fees in order to compensate for Ocwen 's admitted mistake. I received a letter dated XXXX XXXX from the Office of the Ombudsman ( XXXX XXXX ) that partially addressed the items outlined in my previous complaint, but did not resolve the basic problem caused by Ocwen 's ineptitude. I consider this retaliatory act on Ocwen 's part to be entirely unacceptable.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlanticus Services Corporation (NV)

A XXXX called my mom 's home number advising her that I need to contact him immediatley or they are going to garnish my wages and take monies out of my bank account. He left a phone # with an ext., so I called the number and a man answered the phone so I asked for ext.? and he said this is that ext. I advised him I was returning his call and gave him my name and he went on to state I owe {$1000.00} towards a Tribute credit card from XX/XX/XXXX and how do I want to pay it. I advised him I needed something in writing showing I owe this money to Tribute before I pay anything and he became exsremely billigerent towards me threatening to garnish my wages because he knows I owe it. I advised him that I dont have a Tribute credit card on my credit report in collections and he said there company hasnt released it yet and that 's why, so I told him at this point it 's been 7 years and they could n't go after me legally anyway, but I would be willing to pay the {$300.00} he first offered to settle with me if he emailed me the information I was asking for, but he started yelling at me and wouldnt let me explain anything. He said he didnt have time to email me that information, so because I couldnt speak I just hung up the phone. I was in a car accident in XX/XX/XXXX and had to have extensive XXXX in XX/XX/XXXX that put me out of work for 3 months, so I admit I wasnt able to pay the credit cards I had at that time but I did end up paying two of them off because they worked with me. I have never been spoken to like that by any other company represenatative in my life. He was a complete bully and I have been in tears all day because Im scared of the situation. Please help me with this.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2016-09-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (UT)

I opened a Checking account with Chase Bank today. I deposited XXXX cashier 's checks, XXXX from XXXX, XXXX. XXXX XXXX Bank totaling {$2300.00} and XXXX from XXXX XXXX totaling {$1400.00} with a grand total of {$3800.00}. The funds were placed on hold with a Regulation CC hold for it being a new account and funds are to be available on XXXX/XXXX/2016. From my understanding of XXXX if the grand total of, in this case cashier 's checks, the deposited checks are less than {$5000.00} " a depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited. '' Since these funds were deposited on XXXX/XXXX/2016, it being considered XXXX/XXXX/2016 's business day, should said deposited funds not be available on XXXX/XXXX/2016? I feel that my funds are being delayed an extra day longer than Regulation CC allows. This is likely to be happening to multiple customers which may cause additional financial burden on those customers whose funds are delayed longer than they should be.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

I keep getting calls XXXX. There have been 7 calls made to my cell phone since XXXX/XXXX/17. I finally called them back today to find out who they are. The company is call XXXX and they are trying to collect and threaten me with saying the account is litigation from a debt from Providian Bank. That debt is over 10 years old and is out of the statute of limitations in Florida. When I told them that they proceeded to threaten me with taking me to court. When I ended the call they called me right back and the gentlemen on the phone was calling me a " XXXX ''.
Consumer complaint received 2016-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (CA)

I have been attempting to get the promissory note for my consolidated loan ( done in 2005 ) since XX/XX/XXXX. For about a month, Nelnet claimed to have no information on my loan and no promissory note. I called almost daily. People would promise to look into the case and then not call back. I would ask to speak to a supervisor and instead get put to the main menu. When I would call back, there would be no documentation of my previous calls and I would have to start over. Finally, someone found my promissory note but the first XXXX pages were missing of the promissory note. Nelnet claims this is not their problem and blames Department of Education for not sending it to them. 

I need the promissory note as I have qualified for loan repayment from the XXXX XXXX XXXX XXXX ( XXXX ). The XXXX said that if the first XXXX pages of my promissory note can not be found, I can submit a letter from Nelnet stating what loans ( type, amount, date ) that were including in my consolidation. Nelnet refuses to write the letter since they did not consolidate the loan, even though the government branch that consolidated the loan no longer exists. Nelnet said they can see the information about what loans went into my consolidation but will not put it in a letter. On my insistence, they have sent it to their legal department to review but said that just the review would take weeks and that they will not send the letter anyways. 

I have been working with the Onbudsman Group and XXXX XXXX XXXX, who both state Nelnet should provide the letter and should have the full promissory note. Due to Nelnet 's poor customer service and negligence, I will lose my chance for loan repayment ( & gt ; {$200000.00} ).