davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENOVA INTERNATIONAL, INC. (OH)

I was contacted today XX/XX/XXXX by a female at my work phone number from a company called XXXX calling on behalf of XXXX she says.I told her I don't know what the loan was for and that i recently paid off all of my debts. She went on to tell me that " I work at a XXXX and i should know how it works '' Threatening me saying " she doesnt know how i am still employed because i owe the money and i need to resolve before they take further action '' They claim they have sent me emails, which i have never received. They also said it was from XXXX, why is this no where to be found on any of my credit reports? Last time a gentleman called and started giving me a different customers DL #, address and ssi? This is not okay. 
She called from XXXX i received a call a few weeks ago in XXXX of XXXX as well. 
My mail has also been forwarded from any previous addresses i have had so i would have received communication.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants' Credit Guide Company (TX)

Noticed incorrect information on my credit report from Merchants Credit Guide. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with Merchant Credit Guide regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from XXXX, XXXX and XXXX.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Regarding Synchrony Care Credit Account : I havent used for years. They added a added fee to each month from anywhere between $ XXXX each month. I have made all my payments on time. 

Since XX/XX/XXXX I have paid a total of XXXX as of XX/XX/XXXX. My balance is still over XXXX according to a XXXX search, They add a XXXX fee for every {$100.00} buck according to info online. I've paid over {$2000.00} in the last year and my balance has hardly decreased. I am unsure how much that I was charged and when it started. I have never authorization that type of insurance because, I have a stable job that is salary and make over XXXX a year. 

I want to find out when these charges started and I want a full refund of all the payments because this insurance was NEVER authorized.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I being receiving excessive amount calls throughout the day. They also reported to XXXX  as a collection affecting my credit score. I wrote them a letter asking for Debt Verification with no answers. I also tried to obtained more information about my debt and make sure they were charge the right person since the amount charged its super high.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Duvera Billing Services, LLC (PA)

I rece

ived a letter stating that I opened a account with XXXX XXXX XXXX   back in may ( in the middle of a pandemic ). I have no recollection of this company. I have called multiple times and at one point they hung up on me. They never answer my questions directly. I filed multiple disputes with them and they are still on my credit report
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America employee Manager XXXX and XXXX told me the took the XXXX vacation charges off my credit card Because I told them I did not makes these charges The manager from Bank of America XXXX and XXXX Started playing games When I look at my credit report I saw a bill on my Credit report from Bank of America for XXXX I was told by XXXX and XXXX that it was removed Because on XX/XX/2019 I gave a XXXX XXXX register newspaper employee my Bank of America credit at the  kiosk at XXXX department store in the XXXX mall the XXXX XXXX XXXX employee ask for my email I gave him a XXXX email And I ordered the XXXX XXXX XXXX special The employee gave me A {$20.00} birthday gift card He told me that was what the manager at the XXXX XXXX XXXX told him to give to people who sign-up for the newspaper However a few weeks later I got the wrong newspaper it was the XXXX XXXX I call the XXXX XXXX XXXX customer service department and the employee told me I ordered the XXXX XXXX  and I used a gmail email Inform the customer service that their employee fraudulent charge the XXXX XXXX  on my credit card And he also back dated my credit card bill to XXXX XXXX I return the {$20.00} birthday gift card to XXXX XXXX XXXX manager by certified letter I canceled all my credit cards with Bank of America
Consumer complaint received 2022-10-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Please be advised that as of XX/XX/2022, as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX XXXX - {$4300.00} XXXX  XXXX XXXX - {$3100.00} XXXX  XXXX XXXX - {$840.00} I want to be explicitly clear with my request. I am not requesting validation of this debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past several months I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above-mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-08-04
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. (CA)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CO)

I have a rewards balance of XXXX that I want to credit myaccount balance. They wont let me redeem at all. No online access so i called on 5 different occasions with the last being Mon. XXXX XXXX, 2020 and when I try to redeem it always says unavailable. Their branches are not open by appt. only. i have over 5 types of accounts which i am thinking of moving everyone.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nationwide Capital Services, LLC (NY)

I get several calls a week just threatening different lega actions, but never information about the debt itself. I told them that first of all tell me who I supposed owe and they never do. I also told them that if I did owe anyone they have been notified of my XXXX XXXX  and therefore they must stop calling me immediately. Yet, they continue several times a day. I can't afford an attorney to got after them for damages of violating Federal bankruptcy stay orders. They call from different numbers everytime. Here are a few of them. 

XXXX XXXX XXXX
Consumer complaint received 2020-10-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

Spoke with XXXX XXXX with Ace cash express in regards to a loan obtaining a personal loan in the amount of XXXX. I was prompted to verify my XXXX account by Ace cash XXXX in order to receive the loan on XX/XX/XXXX Ace cash advance deposed {$690.00} on XX/XX/XXXX. The deposit came from XXXX XXXX, into my XXXX account. I was then asked to purchase two visa gift cards. One in the amount of {$390.00} at XXXX on XX/XX/XXXX and the second at XXXX in the amount of {$690.00} on XX/XX/XXXX. I was told to take pictures and email the gift card information to XXXX XXXX at XXXX. I was told this was part of the verification process. 
After doing so. I was told I would receive my loan by that evening of XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX stating that I would have to verify my XXXX account one more time because they did not typically deposit loans through XXXX. This time he stated he would deposit an amount between XXXX to XXXX and I would again need to purchase another vanilla visa cash card. 

I refused to buy any further gift cards and and asked what me buying gift cards had to do with verifying my account, after already doing so once. 
I then felt there was something wrong with the situation after multiple personal text messages and phone calls from XXXX XXXX from the phone number XXXX. Asking me to proceed and being very pushy. 

I had not heard from or spoken to XXXX XXXX again with ace cash advance until I called demanding my funds back on XX/XX/XXXX. 
I was notified that {$240.00} was deducted from my XXXX account, also connected to my bank account. In the amount of {$240.00} the transaction stated it was a fraud claim. ID XXXX. On XX/XX/XXXX. The {$240.00} was every penny in my account On XX/XX/XXXX. Im sure more would have been have been taken if there more in the account. 

I then contacted my bank in regards. Shutting down my cards and account. I called the XXXX Fl sheriffs office to file a report through officer XXXX on XX/XX/XXXX and was directed to file a claim through www.ftc.gov/complaint in regards, due to the report happening out side of XXXX XXXX. The office of ace cash express is out of XXXX.
Consumer complaint received 2024-12-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Freedom Mortgage Company (LA)

Dear CFPB, I am writing to formally lodge a complaint regarding my recent refinancing experience with XXXX XXXX XXXX, which has been severely impacted by issues stemming from my previous servicer, Freedom Mortgage. 

During the refinancing process, XXXX XXXX XXXX attempted to obtain a payoff statement from Freedom Mortgage. Unfortunately, the information provided was inaccurate and delayed, leading to substantial complications in my refinancing efforts. This delay not only prolonged the process but also caused me significant stress and uncertainty regarding my financial obligations. 

Despite my efforts to resolve this matter directly with Freedom Mortgage, I have encountered unresponsiveness and a lack of clear communication about the status of the payoff. This has resulted in unnecessary fees and a longer wait time for my refinance to be completed. While it closed Freedom stated several times after that they made a mistake and sent XXXX XXXX XXXX an internal payoff with a netted escrow instead of a payoff where I received my escrow refunded. I am under the impression that the escrow account with the lender is my money and should not have been netted to a 3rd party Lender. 

I believe that this situation warrants your attention, as it raises concerns about the practices of Freedom Mortgage and their impact on consumers like myself. I kindly request your assistance in addressing this matter and ensuring that proper measures are taken to prevent similar issues from affecting others in the future. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

XXXX XX/XX/2022, XXXX XXXX sent a refund for {$3500.00} in a check that was written to myself and my ex-wife. The check was written as PAY TO THE ORDER OF : EX-WIFE & MYSELF. On XX/XX/2022, EX-WIFE endorsed and cashed the check without informing me that she had the check or my endorsement. Wells Fargo cashed the check without my endorsement as well. 

I called Wells Fargo informing them of the issue and filed a formal complaint. I received a call on XX/XX/2022 from the complaint department. They stated that the check should not have been cashed and that they were in fault, but there was nothing they could do. The case was closed leaving me less the money.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I paid the Debt even though it was not owed and they are still reporting this to XXXX. All the other Bureaus have removed this Debt because it was Inaccurate and never owed National Credit Systems XXXX the company contact is : NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX  XXXX  , GAXXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-12-01
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NY)

Aggressively recruiting students to take out loans with no regard for their ability to pay them back and predatory lending practices. Forced me into a high interest loan with little to no financial aid. These student loans are also from XXXX XXXX who along with Navient has been found to have fraudulent behavior regarding taking advantage of students at a young age to take out high interest loans. I borrowed between after XXXX and before XXXX where Navient was found guilty of these charges.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Per my previous CFPB compliant XXXX ( attached ) I reported that TransUnion is in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. TransUnion 's mailed response ( attached ) states " the document submitted does not appear to be a copy of an official valid law enforcement report that we can accept as an Identify Theft Report ''. I have repeatedly submitted official FTC Identity Theft Report # XXXX ( attached ) to TransUnion via mail as well as via CFPB but TransUnion refuses accept as official. Per the FTC ID Theft Recovery Steps document highlighted page 4 ( attached ) a consumer " may choose to file a report with your local police department ''. This is NOT a requirement of the FTC. Also TransUnion 's own Fraud Victim Checklist page 2 highlighted ( attached ) states " contact government agencies, such as the Federal Trade Commission ( FTC ), to report the fraudulent activity '' and " Download the FTC 's Universal Fraud Affidavit ( https : XXXX ) ''. Nowhere within TransUnion 's checklist does it state that a local police report is required. That said how is it that TransUnion states in their complaint response letter that they do not recognize my FTC ID Theft complaint as official while TransUnion 's own ID Theft Recovery Steps document specifically states to contact the FTC to report fraudulent activity via the FTC universal Fraud Affidavit? TransUnion 's failure to block this item from my credit report is a clear, indisputable and deliberate attempt to cause harm to my credit rating and a blatant violation of my rights under the Fair Credit Reporting Act. Failure to block this trade line will result in a formal complaint against TransUnion to the Federal Trade Commission as a well as explore any legal remedies of which I am entitled under the FRCA. 
.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (VA)

On XX/XX/XXXX I spoke with an unwelcoming and unruly phone SantanderConsumerUSA Agent named XXXX ( ID # XXXX ) who first rudely told me that a change date request mistake could not be reversed in the system. I requested for it to be escalated to a manager whom I never spoke with.