davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (CA)

On or around XX/XX/XXXX I notified money moneylion that my husband and I were victims of identity theft. Our bank account had been compromised. We had to freeze our account, open up a new one and report it to the authorities and credit agencies. We are still dealing with the fallout. I explained to them that we would have to make payments to them in another way. Moneylion requires you to use a company called XXXX to link your bank account. We have been advised to limit who we share account info with going forward. At first, I could not get any response from them so I had to notify the XXXX XXXX XXXX. I received a response after that and was given an address to mail our payments to, which I have been doing. On XX/XX/XXXX I sent a certified letter to their XXXX XXXX  XXXX XXXX Utah offices letting them know that I was revoking my authorization for them to take any further payments from our bank accounts going forward for any Money Lion products. I also emailed them. 

Moneylion works with XXXX who shares updated Debit card numbers with the banks and companies who use XXXX. Moneylion received my certified letter on XX/XX/XXXX yet continues to try and charge my new debit card despite my telling them to stop. I never gave them my new number, XXXX did. I have locked my debit card because of this and put a stop payment through our bank for all Moneylion products. They attempted again today today, XX/XX/XXXX, to charge my debit card for a loan payment they received via money order on XX/XX/XXXX. Our next payments are due on XX/XX/XXXX which we will send via money order like we have the others. It has been 2 weeks and they have yet to post those payments to my account. I have inquired multiple times and I am told it will happen soon but it doesn't. I have since found out that Money Lion has a history of this type of behavior. There are many complaints online with similar stories as mine. I feel further victimized by moneylion during a very difficult time. I have saved every email and conversation I have had with money lion regarding our accounts. We have been sending our payments and kept in contact with them, yet they ignore our requests. Dealing with identity theft is a miserable, stress inducing, nightmare, and knowing that companies can get your new debit card information without your permission and use it is really unsettling. I'm already on alert and this just makes it worse.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NH)

I have been trying to open a short sale on my property since XX/XX/2022. I am been put through a loan modification process that is denied? Since XXXX I have been calling and emailing 100 's of times to see what is going on? Now the bank is saying in another denial - Your loan on the related property has received the maximum number of foreclosure alternative options that are permitted by the assignee or mortgage owner of your loan. They have not allowed any? We will go to foreclosure as they are not willing to help. We have a buyer.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

My complaint is against Citi Bank for deceptive payment practices, where payments are not applied as stated by their customer representatives. I have two promotional offers open. One promotional offer for a balance transfer ending XXXX and the other for a purchased promotional advertisement ending this XX/XX/XXXX, at a XXXX percent interest, if paid by the due promotional end date,, if not paid in full, a 26.99 % would apply to the understanding balance. 

My first attempt was on XX/XX/XXXX. I called Citi Bank and spoke with rep XXXX and asked him if I could just pay off the purchased promotional ending in XXXX. He said yes, I could pay off the just the purchased balance of $ {$720.00}, which he processed. 

On XX/XX/XXXX, I spoke to XXXX, regarding the {$720.00} payment that had not been applied to the purchased promotional offer as stated on XX/XX/XXXX. XXXX, stated she would research this and to give it a couple of days to reflect on the system. During that time, I would be able to pay the new balance of purchases. 

On XXXX, XXXX, I spoke with XXXX regarding posting of payment. She stated payment could not be applied to promotions. I requested to speak with a supervisor. The supervisor answered the call. XXXX, another rep, said that no supervisor was available, but the supervisor informed him to apply for the payment for the XXXX promotion and I should see the amount applied after XX/XX/XXXX, to my statement. 

Today, XX/XX/XXXX, I spoke to XXXX to see if this payment has been applied to the correct promotional offer. She stated the payment was applied to the balance transfer offer, which ends in XXXX, and my balance for all purchases would be due by XX/XX/XXXX. 

This type of payment inconsistency in customers ' hard earned money, creates undue dissatisfaction to their customers. 

Thank you,
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (GA)

The companies in this complaint are illegally reporting inaccurate information on my credit report. Plus The one of the companies on my credit report has gone out of business was previous sued. The company XXXX has gone out of business for also breaking the law.
Consumer complaint received 2022-03-27
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. (NY)

Every two months Experian drops my credit score by XXXX point with absolutely no reason. 
Since I expressed my objection numerous times, I have no choice but to look for help somewhere else. 
Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by XXXX points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. Experian lists 6 possible reasond for a credit score to drop, none applies to me.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (WA)

I went into Covid related deferral with Umpqua Bank. They are now reporting that my mortgage balance went up by XXXX for a six month deferral. I was under the impression that a deferral postpones payments until the maturity of the loan. When in fact it is interest only put on the end of the loan. My total balance went from XXXX to XXXX and hit my credit for 20 point loss.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (TX)

I spoke with Elevate Recoveries XXXX XXXX XXXX phone number XXXX - I want to report that this debt was originally on my report from a XXXX XXXX  and when I reached out to the company and also reported them to the XXXX  the debt is now showing up under this different company that I mentioned before. This company has not validated or verified the validity of the debt. They did not have any correct info on file regarding the debt. they only had my name and date of birth. 
they had an incorrect phone number and address. I want this debt removed from my credit report until documents are provided validating and verifying this debt that I am contracted to pay Elevate Recoveries and or XXXX XXXX XXXX. I do not have any business with these companies I did not contract with them or receive any services from them therefore they should not be on my credit report. In speaking to XXXX I was not able to get too far as she only wanted to talk over me and place me on mute then she hung up on me. When I adv her they should not be on my credit report without validating and verifying the debt she states they don't have to they can put whatever they want on my credit report with incorrect information. She also states that nationwide recovery is not their company yet the info appears on my report along with theirs. I feel that I am being violated. the accts are as follows. **XXXX  ACCT NUMBER XXXX Original acct number XXXX DATE OF SERVICE Elevate Recoveries , LLC XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX  Serving XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Email this XXXX  ( XXXX ) XXXX Privacy - Terms XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX File Complaint against Elevate Recoveries , LLC | XXXX XXXX XXXX https : XXXX XXXX XX/XX/XXXX XXXX {$700.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX *** **XXXX  ACCT NUMBER - XXXX ORIGINAL ACCT NUMBER XXXX amount {$980.00} date of service - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX Lastly info appearing on my rpt is conflt.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

in XX/XX/XXXX i financed a air conditioner through synchrony bank and was issued a credit card account and was told that if i paid it in 18 mo i would not be charged interest if paid off in full by that 18 month in XXXX i got laid off due to pandemic i kept making my regular payment never missed but when XXXX came i could not pay it off in full the oringinal balance was XXXX i had paid it down to XXXX i ask could i have more tome but they would not extend it they turned around added XXXX to XXXX account and told me that was the interest for XXXX and then they started to charge e interest on top of interest daily this is not the program my sales person told me at this rate i will never pay this off my balance is XXXX and i have been making my payments regularly the total interest should have been charged on remaing balance which was XXXX this is a real rip off even on a regular loan i would not be paying this much payment is XXXX and only XXXX dollars is put on principal can you please check this out .I i already transfered this to a 0 % credit card but i want the excess interest that was put on this account refunded to me
Consumer complaint received 2021-07-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TN)

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( AD Astra Recovery Service ) for committing identity theft. I have never given ( AD Astra Recovery Service ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( AD Astra Recovery Service ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( AD Astra Recovery Service ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( AD Astra Recovery Services ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( AD Astra Recovery Service ) continues its collection efforts, I will file for litigation for actual damages caused and ( AD Astra Recovery Service ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

My wife and I would like to file a complaint against Citi Bank about an fraudulent wire transfer that took {$49000.00} from two savings accounts and one checking account. This started when we ordered software from what we thought was XXXX. It turned out to be a scram. Citi Bank promised a full refund. But on XX/XX/21 we received a letter from Citi Bank saying they had completed their " research '' on our request for a " wire recall '', and stated the money had already been withdrawn and no longer available to return. This is international wire fraud, and of course the money was withdrawn the minute it hit the bank. ( The bank involved was : XXXX XXXX  XXXX XXXX XXXX ). We talked to the branch manager XXXX XXXX XXXX at Citi Bank. She told us to make a police report. We did that, and returned to the bank. That's when XXXX XXXX told us that she couldn't help us anymore. So Citi Bank told us that we were on our own. We have documents, but I don't know how to send them.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

XXXX services a mortgage I have on a residential property. I use their auto-pay service, set up using their web site. 

On XX/XX/XXXX, I logged in to adjust the automatic payment amount. The web site told me as part of this process that it was cancelling my existing automatic payment. It was not clear to me whether this meant my XXXX payment was cancelled and I needed to make a new one time payment, so I called customer service. 
XXXX customer service on XX/XX/XXXX told me that yes, my XX/XX/XXXX auto-payment was cancelled and would be automatically refunded to me. They said I needed to make a new one time payment for XXXX, and auto-pay would resume in XXXX. Following their instructions, I made a one time payment. 

On XX/XX/XXXX, I saw that my checking account balance was very low, and that the XX/XX/XXXX auto payment had actually gone through, in addition to my subsequence one time payment. I called customer service to confirm that the first payment would be automatically refunded to me, and they told me that no, it would not be. So, I had been fooled into double-paying. 
After escalation to a manager, they agreed to wire the money back to my account that Friday ( XX/XX/XXXX ). They asked for, and I provided, a PDF of a screenshot of recent transactions from my bank 's web site, showing that the original auto-payment had posted. 

On XX/XX/XXXX, when I did not receive the money, I called again. After escalation to a manager, they told me that their refunding department had rejected my PDF because the page did not say the full name of the bank. They did not inform me of this until I called them on the afternoon of XX/XX/XXXX. I explained to them that my bank 's web site does not show the bank 's name, only their logo, on the page that lists recent transactions. They said there was nothing they could do about that. 

I also called the bank to find out if they could provide me a PDF of recent transactions that shows the bank 's name, but they said all they can give me is what's on the web site, or I could wait for my monthly statement- which will be on XX/XX/XXXX. 

I've tried several more times to get XXXX to refund my money quickly. They are unwilling to take responsibility for the fact that their misinformation fooled me into paying them, and they are unwilling to fix the problem. Even though their own systems clearly must show that they withdrew this payment from my account, and that they have my money, they still insist on receiving a PDF from me to prove what they already know, and they require a PDF they know I can not provide because my bank 's web site doesn't display its name on the transactions page.
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (PA)

For over two years, XXXX XXXX aka " XXXX '' has been filing false information on my credit report and harrassing me via unregistered collection agencies attempting to threaten and extort me for money thay i do not and never did owe them. They have threatened me personally, as well as bullying and threatening my neighbors im vain attempts to gain access to the apartment complex in order to " reclaim '' property that they claim I have stolen from them, as well as threatening to meet me outside the door and attempt to strong arm me for the money. When these efforts failed and I accosted a XXXX employee who made these attempts, they proceeded to make monthly false credit report notifications and sell my personal information illegal to third parties mafia-style. This has to stop. I not only want government involvement, I am warning that the next XXXX employee to set foot on the property is getting shot dead, and since I have filed numerous reports with both local police and local politicians, this will now be elevated to criminal court as well.
Consumer complaint received 2023-01-09
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Loan Servicer states the following on XX/XX/2021 communication to Borrower : " Unfortunately, the account is ineligible for one of more resolution options or it is ineligible for the option you selected on the RMA. '' Borrower Complaint : No details provided of why account is not eligible for assistance. 
No details given of which resolution options Borrower is eligible for. 
Law requires that loan servicer review loss mitigation for all options available to Borrower.
Consumer complaint received 2019-10-22
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WA)

In XX/XX/2016, I was electrocuted in an accident which caused me to be medically unable to work until a few months ago. As a result of this I have been forced to declare bankruptcy. 
For that purpose I retained Attorney XXXX XXXX of XXXX XXXX, WA, XXXX. Attorney XXXX still represents me. 

During that time I was contacted by Pioneer Credit Recovery of XXXX XXXX XXXX, XXXX NY XXXX regarding my student loan. 
I informed them of my attorney 's contact info, and asked that they direct all communication through him as required by law, until my bankruptcy proceeding was completed. I would then make arrangements to resume payments on my student loan once working again. 
Despite being given this information, Pioneer has not only refused to contact my attorney, they have continued collection activity by continually calling me, my family members and threatening further action. 

As you know, under the FDCPA, all collection activity must cease during a bankruptcy proceeding. Pioneer has refused to abide by the law. 
Under The FDCPA, a company is required to send to me in writing all information relating to the reasons and amounts they are trying to collect. 
Despite having been over a month since their first contact of me and having my correct address, they have refused to do so. 

Furthermore, under R.C.W RCW 19.16.430 ViolationsOperating agency without a licensePenaltyReturn of fees or compensation.

( 1 ) Any person who knowingly operates as a collection agency or out-of-state collection agency without a license or knowingly aids and abets such violation is punishable by a fine not exceeding five hundred dollars or by imprisonment not exceeding one year or both. 
I have repeatedly asked Pioneer for proof they are licensed and bonded in the state of Washington to collect a debt as required by law, but they refuse to provide me this information. 

This is my last attempt, in good faith, to ask Pioneer Credit Recovery to follow federal and state law and cease all collection activity until my bankruptcy proceeding is complete, and direct communication through my attorney, whose contact information they have. 
At that time I will make arrangements with them for rehabilitation of my student loan debt. 
I am filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the both the NY and WA State Attorneys General. 
IT is illegal to circumvent the bankruptcy laws of Washington State and the FDCPA. I am requesting that Pioneer follow the law.