davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consolidated Recovery Group, LLC (CA)

Received a letter from a collection agency about a XXXX debt owed. 
Sent a debt validation letter, what I received back was a contract with no signature and information inaccuracies as to when the business was started, name of business and bussiness bank account associated. They have it listed as XXXX XXXX collection with a bank account registered as XXXX XXXX that was has been closed and shows no deposits from XXXX. The date it says the business was established is incorrect. I can provide articles of organization and filing dates to show proof of when they were registered and date established. There is no physical signature provided to either prove that it was me who authorized the account and the debt to be owed. Just a check marked box. The chargebacks in question are fraudulent/I have no knowledge of. And theyre dated XXXX and the bank account associated with the XXXX claim had been charged off and closed end ofXX/XX/XXXXXX/XX/XXXX before the chargebacks were filed with XXXX  XXXX 
I can show proof of the statements to show no intuit deposits were made to that account and the closure date. 
There is also a fraud alert on my credit report due to identity theft previously and states i must be contacted before authorizing any opening of an account. 


They transaction dates on the debt theyre claiming i owe were made AFTER the initial bank account used for this application was closed so how can transactions be made and deposited into a closed account and the statements show no deposits were made TO that closed account. And the transaction dates from XXXX and beyond are AFTER the account was closed. 


Furthermore the business name listed on this account and the date it was established are inaccurate. I have attached the articles of organization. And the business account registered in the actually business name is not listed on the application.
Consumer complaint received 2021-12-23
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. (NV)

I do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to Equifax over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.
Consumer complaint received 2020-11-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MNE Services, Inc (VT)

The following is what I have been sent. I never took out this loan. I have told them this numerous times, to no avail. 

Loan Account Number : XXXX Amount Due : {$1200.00} Court action will be the consequence of your ignoring this letter Dear XXXX, We would like to inform you that we are sending this e-mail as notification regarding your payday loan account with United Cash Loans. We have tried everything to contact you, through the mail and phone calls but failed to get any response from your side. 

If full payment is not received by XX/XX/XXXX court action will be taken against you. If you allow this to happen you will incur court costs and you may forfeit your credit status because your name will be recorded by the major credit bureaus. This may hamper your credit rating. 

You are also being charged debt recovery costs and statutory the interest of 15 % above the reference rate ( fixed for the six month period within which date the invoices became overdue ) pursuant to the late payment legislation. 
To stop this from happening please pay in full now or contact us to put forward your proposals. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX United Cash Loans XXXX XXXX United Cash Loans | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. 

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Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (OH)

Hello, I sent certified letters to all 3 credit agencies to for the correction of my credit report. I informed them that XXXXXXXX XXXX has lied on my credit file by saying I was 180 days late which is not true. I graduated from that scam school in XXXX and I had subsidized and unsubsidized loans. This school had loans saying I received and I didnt know anything about these loans. In XXXX, I filed a XXXX XXXX and switched to a XXXX XXXX in XXXX to wipe everything out. Its showing on my credit report I was late from XXXX until XXXX. When I sent information to the credit agencies particularly Experian, they are saying the information is correct but its not. They said verified but if the school has been sued why would they tell. They have a habit of lying practices and this is another scam against former students who couldnt get a job in their field after graduating. Im trying to purchase a home and this mess is on their affecting my credit score. Thank you for reading.
Consumer complaint received 2020-11-17
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: TD BANK US HOLDING COMPANY (NV)

I'm currently reviewing my current credit bureau reporting, and records show an inquiry from TD Bank USA/Target on XX/XX/2019. I have not applied for a TD Bank USA card or Target card. Evidently the information matches because It's on my credit report, however, I did not submit this request.
Consumer complaint received 2020-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a home loan from Wells Fargo Home Mortgage, in the amount of $ XXXX for the purchase of a $ XXXX home. I was to supply $ XXXX, as the down payment, which I had from the sale of my prior residence. I applied for the loan in earlyXX/XX/XXXX, and was given a " pre-approval '' letter from Wells Fargo, and told to we could go shopping for a house. We finally found a home in early XX/XX/2020, and made an offer. We were told repeatedly by Wells Fargo representatives that we did not need to put a loan-contingency in the home offer, because we were " pre-approved ''. I was told repeatedly by the loan officer that all we would need to do next is to provide some updated financial information to the information we had already provided, and we would be ready to close the loan on time at the end of XXXX. We were excited that the process would not be difficult, because we were pre-approved. Then the nightmare began. We were asked for an initial batch of additional information such as updated 2020 tax returns, and account balances, then they came back again, and asked for more info, and again ... .all in total they came back 6 times and requested over XXXX pages of additional financial information, which took close to XXXX hours to collect. Many of these requests were completely ridiculous, such as in one request they would ask, why did you make a debt to this account here for this amount. We wrote a letter of explanation, only for them to come back in the next round saying why did you make a credit to this account for this amount. Like they didn't read the answer to the previous question. It got me thinking, no reasonable person is asked for this much information after they have already been approved. It's almost as if they were digging for any reason possible they could find to decline the loan at the last minute. I am certain this has something to do with the bank 's response to the COVID pandemic, and they are taking it out on loan consumers by coming up with ways to nit-pick loan applications to death in hopes they will go away. I finally got sick and tired when they made a 7th request for more information, and I told them I just didn't have the time to work on digging up more paperwork for them. They actually suggested I hire an assistant to help me do it, knowing full well the amount of additional effort they were asking me to do to provide them info. Regardless, now I am stuck. I didn't have a loan contingency in my loan because I was instructed " I didn't need one '', repeatedly by Wells Fargo. They have told me that if I don't provide the additional information immediately, they will cancel the loan, and it will be my fault they cancelled it, and I will lose my {$100000.00} deposit. The house closes on the XXXX of XXXX. I am now scrambling to figure out what to do.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO Fraud on my card and checking account cause credit reporting problems to all the bureaus and agencies resulting in low credit scores and unable to further have finances to operate business as normal. The amount is a XXXX and I've been dealing with this fraud claims with Wells Fargo the original claim date is XX/XX/2020. Wells Fargo close my account and then sent me a letter A year later stating that they're going to reopen my account every time I call in reference with my claim number they tell me sorry your account has been closed and we can not help you but then I will call hours later I speak to someone else from Wells Fargo and they will read my file and tell me this has to do with the high dollar claims team and we will contact you if not they will contact you within 2 to 3 business days this has been going on for about a year and a half due to covid my business doors had to shut and currently in a shelter and have lost everything because of this ongoing claim that Wells Fargo will not solve or resolve thank you please have a blessed day contact me atXXXX  XXXX PLEASE HELP ME
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Multiple payments were made to payoff PayPal Credit. While the customer service representative stated that the terms of service specify that some payments may be applied, there may be a funds hold when the amount exceeds an undefined threshold or multiple payments are made within an undefined period of time. She mentioned that had the payments been for {$1500.00}, there would have been no issues, but since they were {$2000.00} and more, there is now a 12-day hold. The payments were made on XX/XX/XXXX and cleared on XX/XX/XXXX. The company, Synchrony Financial refuses to contact the bank or asks for faxes or to mail in copies which would still put us over the 12-day hold. At no point during the payment process were there any warnings stating that making a payment over XXX amount or making extra payments would cause the funds to be on hold. Since by the time this complaint is processes the funds will be available, I do not accept the answer that the issue has been resolved, as this will be a problem again for me or other customers that decide to make either multiple payments or payments over a certain amount.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: DLC, LLC (NV)

I had a very bad experience with dollar loan. I talked to XXXX  and she was very rude obnoxious irresponsible and I had a very bad interchange with her period. I want to make this very clear to the managers of dollar loan if I were to hire her I would fire her in a minute period I want something done about this I want managers to know about how she was acting and how she related to me she treated me like I was a XXXX XXXX XXXX bad naughty boy. I know she's a young mother but that doesn't exist exclude her from being pleasant and business like it which I would very much appreciate. so I'm not doing business with dollar loan center anymore because of her period
Consumer complaint received 2021-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (TX)

As of XX/XX/21 I was contacted by an agent that states his name was XXXX XXXX working for Prosper Loans and that I was approved for the loan amount of {$3000.00}. He provided a contact number of XXXX and stated that the repayment would be {$170.00} for 18 month term starting in XXXX. I stated that would be affordable to me. He then Proceeded to say because my credit score was not in good standing that I would have to pay the origination fee of {$220.00} via XXXX Gift Card. I go and buy the card and send the picture Gia text with the scratched code from the opposite side so he could redeem the amount for the loan. Afterwards he says I have to pay another {$200.00} because the card did not accept it because I went over the gift card limit. Then he stated that he could release the funds into my account within 10 minutes but I needed a PPI code. Im like what is that, he was like its mandatory to have this for the loan protection from the borrower in case you get hurt or lose your job. Okay that was another {$370.00} in XXXX  card. After all these accidental government hold fees, loan filing fees, bank to bank fee, state tax, I ended up sending them {$2800.00} in eBay gift cards. They say they are unable to cancel the loan request and refund me my money because they dont work like that the loan amount would need to be sent XXXX to get it without a hold which was another {$500.00}. Then I speak with another rep by the name of XXXX XXXX who says he is in the lending department and is unable to cancel the loan. Then I speak with XXXX XXXX and he also says that he is unable to cancel the loan and refund me but he can send the funds via fed ex in a check form but I would need to pay the courier fee of {$350.00} which at this point I didnt have because he used all my funds I had in my account promising me the loan would get debited once all the fees were satisfied. I still have not received the funds after being on the line with them over 8 hrs on XX/XX/21 & XX/XX/21. He then text me multiple times trying to convince me paying {$350.00} more will guarantee my funds by the morning of XX/XX/21.
Consumer complaint received 2020-11-17
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: ERC (CA)

THE DATE WAS XX/XX/XXXX XXXXINQUIRIE IS ON MY CREDIT REPORT THAT I DONT RECOGNIZE AT ALL..I WAS TOLD TO REPORT TO FTC..
Consumer complaint received 2021-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

I have a HELOC with US Bank. I refinanced with a different bank and a payoff check was sent to US Bank and received by them on Friday morning, XX/XX/XXXX. I called them the following week and was told to call back on XX/XX/XXXX. I was told at that time if they haven't loaded in my payoff that I could place a search for the payment. On XX/XX/XXXX they refused to trace the payment and was told it would take 10 business days from XX/XX/XXXX, which would bring me to XX/XX/XXXX... that I should call back then. In the meantime, the monthly mtg payment is due on XX/XX/XXXX and I advised them that I would not be paying it since they have a payoff check. In fact the payoff from the current bank overpaid my loan by {$510.00} which is due to come back to me. I was then told that I needed to make that payment for XX/XX/XXXX. I told them that it was rediculous to owe me money and expect me to make another payment on this loan since SOMEWHERE there is a payoff check sent to them and received ( XXXX confirmation and person who signed for it ) but they are insisting that if it isn't in their system, I would be charged late fees. 

What I am most afraid of is that I wait till XXXX XXXX to call them and it still is nowhere to be found and then at that late date, they put a tracer on it ... and it goes into XXXX and now I have to make two mortgage payments, not one. One to a bank that was already paid off and the other to the new bank. I CAN NOT AFFORD two mortgage payments.

I am upset that they don't feel one week is enough time for them to start the tracer now. If it hasn't been entered yet, how do I even know it will be? 

Anything you can do to help me is greatly appreciated. The customer service people I spoke with at US Bank refuse to give me to a supervisor above them that could help and would not bother to check with the loan department to see where the check could be. They wouldn't even notate my account that a loan payment was sent so that I am not responsible for any further payments until they find the check. It's just rediculous talking to them.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (CA)

The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (UT)

I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.
Consumer complaint received 2019-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

In XXXX, I started receiving mail and phone calls from LVNV Funding about a debt from XXXX XXXX for {$1000.00}. I disputed this information several times in writing telling them I dont owe this debt and to send me verification or delete this information off my credit report. LVNV keep sending me a bill as valid reason for them to report this fraudulent information on my credit report. In XXXX I starting receiving more calls and mail about this debt, this time it was Resurgent Capital Services, telling me I need to pay them because it was in pre legal status and I am getting sued. They called several times a day, interrupting me while I was at work. I disputed with them as well but received mail correspondence from LVNV with yet another bill as verification. In XX/XX/XXXX, I started to receive mail and calls from now XXXX XXXX XXXX about this same debt. I have been getting harnessed by LVNV and its related companies for months about a debt that isnt mine. LVNV couldnt provide me with a contract with a signature like I requested so I am being attacked by 3 different companies about the same debt that is hurting my credit file and coasting me additional money. On XX/XX/XXXX, I decide to call Resurgent and resolve this debt because of the damage it is doing to my credit. I explained to the representative that this wasnt my debt however I wish to resolve it. I asked about a settlement and they offered 20 %, I said that was too much. The representative pulled my credit without my permission and told me I could afford it and quoted every credit card as well as my children names off my credit report. She told me my credit lines and who I was an authorized user on what card and everything. I dont feel its fair that LVNV Funding is allowed to report fraudulent unverified information on my credit file. I dont feel that LVNV Funding should be allowed to harass me through all of their different companies for the same debt. I dont feel as the representative had a right to access my credit file without my permission and tell me that I can afford to pay a debt that I told her I wasnt capable of paying in full. I was treated very badly and I feel my privacy has been invaded.