davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: SQUARETWO FINANCIAL CORPORATION (WA)

I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. 

CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OR)

After obtaining free annual reports for XXXX and XXXX, I was inexplicably locked out of the request process for Experian before the identity verification process started. I called the number listed for Experian on the lockout page, but was unable to get past their automated system. I found another customer service number for Experian, called it, got through to a human, who collected all my personal information, but me on hold for " two minutes. '' After I had remained on hold for about two minutes, a recording advised me that my call would be disconnected, which it then was.
Consumer complaint received 2015-07-27
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Debt Management Partners LLC (HI)

On XXXX XXXX, 2014 I made a settlement payment to XXXX XXXX XXXX to be credited to my account with XXXX XXXX in the amount of XXXX and some change. I received a call from a company called Debt Management Partners stating that they now own my cashnet account and that I still owe them monies. I do not as I have documentation which I am enclosing stating that I have paid them off. Please see attached. I paid this account with my XXXX credit card ending in XXXX. I refuse to pay for this account XXXX.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

Re : IQ DATA internationalAmount : $ XXXXXXXXAccount # : XXXXHello, My name is XXXX XXXX . 
I am writing again to have a XXXX item reviewed and removed from my account. I complained previously about the particular account being the result of Identity Theft and yet this is still listed on my credit record. 
To date, this has been XXXX of the utmost frustrating and wild experienced I have ever been through. It has since caused my much stress, aggravation and sleepless nights. A police report was filed identifying the Theft and I have been advised that if this is not removed, I will have recourse to file a Suit for defamation and harassment against the XXXX and IQ data International. 

Please find attached the Theft report from the local police department. This entry should be permanently removed and blocked from any and all files containing my name and Social Security number ASAP. 


Thank you, XXXX XXXX
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (ME)

Refused to change address and mail statements to correct issue. Thier only resolution was for me to go inside a branch and verify my identity in person. After explaining due to a handicap that would not be possible, they insisted the only way to verify my identity was to go inside and prove it. Instead I faxed them my birth certificate, ID card, Social Security card, and billing statement. They continued to refuse to update my address, and blocked all online access permitting me to see balances. and blocked online banking so I can not make payments. They would not give me the account balance when I called in, because I was not " verified ''
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly disputed XXXX California state tax liens on my credit report. They were filed because they did n't have my returns even though I did send them. The amount owed is inaccurate. The franchise tax board in California has refused to modify the amount although the have released the lien as satisfied and released. The letter which I will attach is dated XX/XX/XXXX, but liens were filed in XX/XX/XXXX and XX/XX/XXXX. The ketter clearly states that I have 30 days to pay before they will file a tax lien. I have contacted the state of California and they now say it us up to the credit reported agencies to delete the liens at being inaccurate
Consumer complaint received 2015-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (CO)

I came in and open a checking account with Key Bank and XXXX XXXX on XXXX/XXXX/2015 at XXXX XXXX in XXXX XXXX Colorado. I also brought a coupon with me XXXX reservation number XXXX. I was told that all I had to do to get the coupon is to set up a direct deposit from work to this account totaling {$500.00} or more 60 days after the account opening. So I set up my direct deposit of {$250.00} twice a month to go to this account. On XXXX/XXXX/2015 I realized that still have not received a promotional bonus, when I called XXXX to report this problem, she called different departments to find out what happened and they said that there was suppose to be XXXX direct deposit of {$500.00} and it could n't be XXXX direct deposits totaling {$500.00} and that I wo n't receive a bonus. If I would have known that It needs to be XXXX direct deposit I would have simply set it up that way. One of the main reasons why I decided to try Key Bank was the fact that I received that coupon and I told the Banker that and I verified it multiple times to what do I need to do to receive the funds. I accept the fact that may be the banker did n't understand the dollar amount difference of a coupon and she did n't do it on purpose but that lead me to set it up my direct deposit the way I did. I feel like I was cheated and lied to, for no real reason. 
I tried to contact your customer support team but they told me to get in touch with the Branch Manager. It has been several months now and I asked XXXX to bring that up to her managers attention but she seem to ignore my email. 
I tried to contact the Branch Manager myself and she also ignored my email and XXXX voice mails that I left her, not to mention that she has been on vacation for over a month and nobody but her were able to help me. When finally she responded to another email that I sent her, she simply told me that it was my fault and there is nothing that she is going to do. I asked her to look through the transaction history on the account and see that my direct deposit will come in and I will take most of the money out or transfer it to my primary bank. You can clearly see that I did what I was explained to do. But she said that her employee would have not done that. I understand that she suppose to protect the bank assets and back up her employee, but that went a little too far. She clearly did not do any research and probably never even looked at my account to see what I was referring to. In this case it was not just the banker that misled me to this situation but also the customer support was not willing to even look into that issue, neither did a branch manager, just leaving me with a lot of wasted time and money and feeling that I did something wrong when I did everything exactly as it was explained to me. I did n't receive a proper disclosure about the account or the coupon terms that led to this situation.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

I contacted XXXX regarding a charge on my credit card that was meant to be refunded by the company back in XXXX. Initially, XXXX removed the charge, but it was added back after a few months. I followed up, provided the refund receipt, and XXXX removed the charge again. However, now theyre stating that the charge is valid because the company wont remove it, which is incorrect. We did not use the service that day, and I have documented proof, including a picture of the refund receipt.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have sent numerous letters to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. Requesting VALIDATION LETTERS, showing my wet ink signature, that I have agreed to pay XXXX XXXX XXXX, XXXX for this alleged debt they say I owe them. They have failed to provide me with anything other than a copy of the agreement I had with the original creditor. They are reporting this alleged debt to TransUnion, showing it in " Collections " and in the " Remarks '' section, it says, [ TransUnion ], Account information disputed by consumer, meets FCRA requirements. 
My complaint is that XXXX XXXX XXXX, XXXX has failed to provide any validation that I have requested in the numerous letters that I have sent them.So, how can it meet FCRA requirements?? 
I have asked for the following:1 ) The original Credit Agreement that I have with XXXX XXXX XXXX , XXXX XXXX with my wet ink signature on it. THEY HAVE FAILED TO PROVIDE2 ) Proof that the debt has not been " wrote off '' to an insurance company and claimed as a " business loss '' or redeemed through an insurance claim by the original creditor. THEY HAVE FAILED TO PROVIDE3 ) Proof that this debt was not sold to their agency for a lesser amount, and if so what that amount was for. THEY HAVE FAILED TO PROVIDE. 
4 ) Their agencies license to lawfully and legally collect debt in Minnesota. THEY HAVE FAILED TO PROVIDE. 
5 ) Validation of the alleged debt, ( the actual accounting showing a loss to their agency ). 
THEY HAVE FAILED TO PROVIDE Since they have failed to provide any of the above information, yet XXXX, XXXX is still reporting it to TransUnion, along with the remark by TransUnion that it is being disputed but still meets FCRA requirements, I feel that this is in violation of the FCRA, the FDCPA and also Violation of U.S.C. title 18 Section 872, attempts to extort and Violation of U.S.C. title 18 Section 1341, 1342, Fraud and Swindles clause. I request that this entire negative report be immediately and permanently deleted from my credit report. 
They have Attorney XXXX XXXX from XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX , XXXX and I have also written to him with no further response.
Consumer complaint received 2015-10-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Solutions, LLC (KY) (FL)

I was referred to this office by primary doctor with an appointment date of XXXX/XXXX/2014. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. My wife received a phone call several months later asking me to call the billing office. The message was given to me and I returned the call but was unable to speak to anyone and had to leave a message disputing the debt. The business claims billing statements were mailed but none were received by me. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the billing office and was willing to pay the amount the office claims is outstanding and then be reimbursed by the insurance company for any over payments. 
My HIPPA privacy rights have been violated due to the release of my personal medical information to a third party to which I did not authorize. 


I have made several calls to XXXX office of which I have made not and clearly they are making false statements regarding the contents of these calls. I also sent a rescission of the authorization for payment to their office. I received no return mail so it is apparent they received the written rescission. 
Additionally, I believe XXXX office is acting as a collection agency and referencing FL Statutes as such without following the requirements of the FCRA. They have never stated they were a collection agency or they were attempting to collect a debt as such. Furthermore I never received communication of right to dispute.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (FL)

I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You
Consumer complaint received 2015-03-25
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: TMX Finance LLC (GA)

Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: NAVY FEDERAL CREDIT UNION (NH)

I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls.
Consumer complaint received 2015-12-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (SC)

I have asked repeatedly for proof of payment history and XXXX XXXX XXXX XXXX is refusing to provide documentation. Documentation is being required by another lender. Without proof, XXXX XXXX XXXX XXXX is pushing my family into financial hardship.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Below is the information I sent to USAA 's CEO : Today is XXXX XXXX, 2015 and like many people, my rent is due. As I have done for the last 2 years, I deposit my girlfriends check for her half of the rent. Never does USAA put holds on my account especially not for such a small amount. I thought this may be related to USAA 's terrible security since my debit card information was recently stolen. I called and spoke to a worthless Executive Response member named XXXX. Upon telling me that he can not do anything for me, I asked to speak to a real manager in order to express my concerns and to help me with this pressing situation. After he told me there were NO MANAGERS AVAILABLE IN THE ENTIRE COMPANY, I told him I can hold for one until they are available. His response was simple " you can call back or I can discontinue the call. '' I was previously XXXX at XXXX XXXX and I have never seen this type of disgusting customer service ( if you can even call it that ). XXXX then disconnected the call on me after I had been trying to speak with someone for over XXXX minutes. 
I have always liked USAA because of the great service you used to provide. I will be filing a complaint with the XXXX and will be searching online until I find the CEO 's email so I can explain the horrible people that are hanging up on people that need help. I will also be taking this to social media as well as posting this to as many consumer sites as possible. I truly feel that USAA does not care about their customers and apparently has no respect for anyone that needs help! I hope someone pulls the call and reviews the extremely poor service of your representatives. 

I need my account fixed ASAP so I can pay my rent even though it is now late because of this company doing this to me.
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.
Consumer complaint received 2015-10-01
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MD)

Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air.
Consumer complaint received 2016-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NV)

I applied for a loan modification to save my home from foreclosure with my servicer Ocwen. The loan is in the name of my late husband 's estate. I am the executor of the estate and the court has already appointment me executor of his estate, the home is in my name and I live in the property. Ocwen states they will not review me for a loan modification without assuming the loan first. I have hired an attorney to help me with the application and they are in contact with Ocwen. However, Ocwen now states my attorney nor myself can talk directly with the assumption department. They said I have to send all inquiries in writing. My attorney faxed a written inquiry to Ocwen 's assumption department on XXXX/XXXX/2016. To date, no one from Ocwen has responded and they still will not allow me to speak with the assumption department. How am I supposed to get an assumption if I can not speak with that department to ask questions regarding the process??? I am hoping this complaint forces them to talk with my attorney. It makes NO sense Ocwen says I have to apply for an assumption, however they REFUSE to allow me or my attorney to speak with the department that handles the assumptions. I have some questions as to what I can do to qualify. My point of contact has ZERO information regarding the subject and every time I try and discuss it with him, he merely tells my attorney that we have to submit it in writing.