davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (TX)

My vehicle was resposed XX/XX/2019 . I was not 3 payments behind . I made a payment with my bank account on XX/XX/2019 which ally only attempted to withdraw on XX/XX/2019  at which point the funds were still availible . When I called  regarding the reposession needless to say  I was flabergasted  becuase I made the payment  and no one contacted me  to let me know they were unable to recieve the funds. I offered to prove that the funds were available when they attempted to collect  the funds and  that I lost my card  and recently informed the bank that it was lost , which could have cuased the confusion. Ally refused to give me the vehicle  back unless I paid XXXX which I did not have at the time. Ally uncluded late fees in the amount needed  to get my vehicle  back . I have called and talked to more than person  about this situation .  I also asked them  why they charged 12.5% interest when I had great credit at the time of purchase. I was  in a dire situation whit time and  was unable  to hagle  they were not forth comming with answers. I have exsplained to ally that If they ever have issues wit payment that I need  to be contacted  , they  told me its the banks  fault and I need to take that up with them . the law does not allow the lender  to let me go with out being informed    about a  non payment .  I have had the account for more than a year  and have made several payment  with the same account  with no issue .
Consumer complaint received 2022-11-11
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (IL)

My car was repossessed by Exeter Finance LLC on XX/XX/XXXX and after making contact with them several times, most recently on XX/XX/XXXX by phone, they have refused to give me my possessions that were inside of the vehicle without me paying off a portion or all of the debt first. I also informed them that I never received a notice of redemption or any other legally required notices about the repossession, intent to sell my vehicle, or instructions on how to get my belongings and over a week after informing them of this over the phone ( on XX/XX/XXXX ), over 3 weeks after my car was repossessed and my belongings were stolen, I have still received none of the previously mentioned notices or any physical mail from the company at all.
Consumer complaint received 2023-01-17
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 writing in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2023-01-17
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. (GA)

Inquiries were unauthorized, companies notified about fraudulent inquiries and they are still appearing on my credit report. I have notified the bureaus to have them removed. It effecting my credit.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, I closed all my accounts with Wells Fargo which includes a checking account, Savings account. I also had one no fee credit card for a safety measure but rarely used, which was closed in XX/XX/XXXX. My last statement for this credit card was due XX/XX/XXXX and I have not received any communication about this card since then. I also have not been able to log into any Wells Fargo online banking account since XX/XX/XXXX. 

This past month I was issued a new credit card by Wells Fargo with a different credit card number claiming this card has been open since XXXX, which is the time the first Credit Card was opened.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (IL)

On XX/XX/2017 XXXX did n't verify me by the last XXXX of my SSN. He did n't provide the mailing address of the creditor when I asked. He said he did n't have it. I asked if this was on my credit and he said he did n't know. He told me I did n't have to mail a dispute letter since I disputed the debt verbally over the phone. 
On XX/XX/XXXX XXXX did n't verify my last XXXX of my SSN. She told that it was n't a requirement. She told me that my account status is not in dispute because I did n't mail a letter stating I was disputing the debt. I told her that the previous rep told me that it was n't necessary. She said she was n't able to provide the address to the creditor.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Deposited XXXX checks this week, they put them both on a 10 day hold. I have a perfect record with the bank and have excellent credit, why does the bank have the right to hold the checks for 10 days? Shouldn't there be a limit?
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (FL)

Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend 2 Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.
Consumer complaint received 2019-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

Fedloan servicing has processed my income based repayment monthly payment in error. I have attempted to call and after 2 hours of 3 phone calls, they did not fix the problem. 1. My husband and I both use fedloan. 2. We file our taxes jointly. 3. His recent IBR was processed to a payment of $XXXX a month. 4. Mine was not processed and stated there was an error. I was asked to resubmit mine. Once I did and it was reprocessed, my payment doubled to $XXXX, as if my husband wasn’t paying his. 5. I need this corrected as a) I normally pay $XXXX a month, and b) my income has reduced, so it makes no sense for my payment to be increased.
Consumer complaint received 2022-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

XXXX XXXX, Back in XXXX or XXXX my XXXXXXXX XXXX XXXX XXXX XXXX  loan for an online school. XXXX XXXX University. I received a loan for around XXXX. I later learned the school was uncredited and withdrew. I had to file for bankruptcy in XXXX for personal reasons. The loans were frozen at that time. I was told after my bankruptcy that I would reassume the loans. During that time NAVIENT began harassing my XXXX for payment because she was a XXXX. I let her know what was going on. Due to the harassment of this company I had the loan auto-drafted until my XXXX  in XXXX. My Bankruptcy was closed in XXXX and I started paying the loans again. Then came the pandemic and we are waiting for the government 's decision to be made. I have gone on Nelnet and requested the consolidation of all of my loans combined as XXXX which should remove any of my XXXX  ' information from any system. My total loans as of to date show XXXX. I have done everything I am supposed to do. Please help to stop the harassment from NAVIENT. My XXXX  does not deserve it if I have all of my loans combined in NELNET. According to the law, I thought all of the student debt collection calls were to be stopped. The company is only calling her for payment and not emailing or calling me at all. I believe this is harassment, and possibly even a scam. The number they are calling from is XXXX. They are not listening to what she has told them. They are not listening to the fact that I have consolidated everything on XXXXELNET with all of my current information. I do not have a problem paying my debt. What I do have a problem with is a company that is a XXXX XXXX XXXX XXXX who doesn't deserve it.
Consumer complaint received 2019-12-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (GA)

I received a letter form regional acceptance corporation responding to a claim I filed and the information that was documented on that statement of them responding to my claims is all incorrect and lies. I have a voicemail when the recovery guy called me 1 time and I called him right back and gave him the address and information about the vehicle. On my emails that I sent them informing them to come pick up the vehicle had the correct address XXXX XXXX XXXX. I had previously taken insurance and registration off this vehicle in XXXX as I havent driven it since XX/XX/2019. XXXX XXXX called once on XX/XX/2019 and came and picked up the vehicle in that said location that I informed regional acceptance corporation maybe two month prior the location of the car as the car hadnt moved. These are lies and I ask that this car be removed from all of my credit reports and the late charges that they have filed on my report. The information is incorrect in this letter and we can pull the files from speedy recovery to confirm with him that he only called once and only left one voicemail as I addressed and called him right back the same exact day upon getting the voicemail. If I can get a email address I can send over the voicemail.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

After placing 2 other clais from the same topics without solution I need to submit a third. 
XXXX XXXX I still been unable to access to my online banking, the system doesnt allow me to reset the password online, and trough customer service they cant sent me a passcode to my cellphone because of system error, I also submit a claim to have my phone verified, that claim was approved but the system still has issues to send me the passcode. I can receive texts messages from bank and passcodes. 
My user id is XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

I disconnected my XXXX internet service on XX/XX/19. I returned my modem immediately using the prepaid label and box XX/XX/XXXX provided. XX/XX/XXXXtried to charge me for said modem and I provided photographic evidence I returned the modem and the tracking number. They have sent me to XXXX separate collections agencies. I have disputed the debt with both XXXX and the collection agencies and requested written evidence to validate the debt. Nothing has been provided. The latest collections agency I C SYSTEM INC did not bother to validate the debt and reported the collection to all three credit reporting bureaus. On the phone they admit the have no evidence to validate the debt and hound at me for how I would like to pay the debt. Their illegal reporting has lowered my XXXX XXXX.
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NV)

XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2022-11-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (FL)

We paid off the last two vehicles on our line of credit with Westlake XXXX. They will not send us the titles to the last two vehicles. They will not close our line of credit which was been paid in full. They will not return the reserve account balance of {$5700.00}
Consumer complaint received 2023-01-17
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 submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$290.00}
Consumer complaint received 2023-01-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (MO)

I get multiple calls a day by this company and they are trying to collect a debt that is not real. XXXX cancelled our services without notifying us and expect us to pay for a service that we did not receive. They have provided no proof of debt and keep calling me EVERYDAY and sending letters in the mail.
Consumer complaint received 2016-07-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

My husband and I refinanced our mortgage from Freedom Mortgage to XXXX. This loan closed on XXXX XXXX, 2016 and XXXX paid the mortgage at Freedom on XXXX XXXX. Freedom Mortgage has only partially paid us our escrow balance. They sent us a check for only {$460.00} as a refund for escrow. The remaining escrow balance of {$2100.00} has disappeared. I have tried all avenues to have them send our escrow balance but we are not getting any assistance.
Consumer complaint received 2022-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OH)

Please refer To Attached Documents. Follow all steps on account on affidavit and remove accounts. The XXXX  being removed will be headed to court and FINED!! If you'll DO NOT read the letter and take appropriate actions. 

Per 15 USC 1681c ( a ) XXXX  information is Excluded from the consumer 's report.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Ive been trying to get my Chase bank account since XX/XX/XXXX of XXXX. Ive been homeless in a XXXX XXXX XXXX and I was doing a what a thought a business deal. Where some guy would help me with stocks and investments. But needed access to my bank account but during the time I thought he needed for his supposed company. However on the XXXX of XXXX he deposit XXXX in the bank for the supposedly investment money. However the bank restricted my account for a supposedly fraudulent check but the check came from XXXX XXXX bank on the check and was verified. But the bank did a investigation and stated we can no longer do business with you use a different bank with no reason why that is which was weird? For something I wasnt responsible for in my possession I didnt have access to the check and ever since then I had to switch bank to XXXX  what I do?
Consumer complaint received 2021-02-19
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 ()

My name is XXXX XXXX XXXX, on the XXXX of XXXX, i received XX/XX/2000 usd as payment for a service that i am to render to my client called XXXX via paypal, in a few munites paypal limited my account until i proved to them what the funds are for which i diligently did but they permanently limited my account to an extend that i can not withdraw or deposit neither can i send or refund my clients. 
i have tried raising the issue with them but they keep on saying that they are protecting their clients and i am left wondering who i am, my business is in shambles at the moment because i can not raise the blocked amount of money to finnish what it was ment for, i have gone to an extent of getting intouch with my clients to tell them to ask for a refund but paypal says its going to hold to the cash for 6 months which is rediculously insane, i really dont understand and they can not explain as to why they limited my account. 
i am suppost to do the XXXX   on XXXX XXXX and XXXX XXXX but i can not, holding this amount will not only negatively impact my business but give us a negative review to over 200 people who are suppose to join us for the XXXX  XXXX. 
funny enough i went online and found out that am not the only one whose account has been permanently limited, there has been so many negative reviews from this year this has pushed paypal to be the lowest ranked financial institution. 
i believe this is more than a scam institution as they dont even follow up to with the source of funding or payments so that they can establish their cases before they completely block one from accesing their fund
Consumer complaint received 2017-05-02
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. (FL)

I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (MT)

I filed a previous dispute because all of my student loans with Sallie Mae are paid off. They removed all but one of the student loans. I have notified them and also the credit reporting agencies and Sallie Mae still won't remove the balance and report the loan as paid.
Consumer complaint received 2019-12-11
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. (IL)

The credit reporting agency is reporting a trade line on my report after several attempts to get the said trade line removed for non validated/non verified.  After several attempts from the said creditor they have confirmed that the Debt will not be reported and they stated that they sent notice to the credit reporting agencies to stop reporting the alleged debt. The credit reporting agency still has the trade-line open with remarks.  I have written notice from the said creditor that the trade-line would be removed. The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply.