davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

On X/X/2017 I read in the news that a data breach had occurred at Equifax.
I visited equifax 's Internet page at www.equifax.com, which directed me to equifaxsecurity2017.com where they provided information on the data breach and buttons for determining my potential impact,  enroll in their services or contacting them I clicked on the button for determining the potential impact and much to my surprise what I received is my " enrollment date '' for their XXXX XXXX service, with no information whatsoever on potential impact This feels wrong on at least 2 accounts : 1 ) I believe it is a deceptive trade practice advertising a service to check the impact of their failure to protect my data, and then not giving any information regarding this impact. 
2 ) I did not ask to be enrolled in anything. I should give my consent to enroll before getting an enrollment date. This also seems like a deceptive trade practice
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collections Acquisition Company, Inc. (FL)

I searched XXXX for washer repair, had company come out to do repair, 2 days later same repair broke again..orginally wrote check out to XXXX as instructed by driver ... when trying to find company again i was unsuccessful..i continously searched for company so they could come back out to repair my machine again..no luck ... check my credit to see a collection from the company for check not clearing i informed them i have been looking high and low for orginal company ... original company never reached out to me via mail or phone in regards to debt. I never was given opportunity to correct or explain what issues i had debt was just placed on my credit without any form of communication..i have been trying to get employment and this same collection keeps coming up and its not fair that i wasnt told anything by orginal creditor ... contacted collection agency with resolution to just pay to delete because this is hendering me and they refused payment ... i dont think this is fair when i never was givrm an opportunity to correct issue at all
Consumer complaint received 2017-08-01
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: ENCORE CAPITAL GROUP INC. (CA)

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} Midland Funding Account # XXXX Bal {$1400.00}
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

XX/XX/XXXX, file for bankruptcy. Lawyer said that since bankruptcy all student loans would be deferred. I heard nothing the first year. Thought all was ok. Year 2, I started getting phone calls from navient, since they had received my loans, they were no longer deferred. I explained the situation. They said " sorry '' then again told me they were deferred. Years 3 and 4, exact same thing. Bankruptcyou ended XX/XX/XXXX. Navient took {$2400.00} out of my tax refund for unpaid student loans. I called my lawyer and navient. Got the run around. 1. If my loans were differed I should never have had this amount withheld. 2. It is showing negative on my credit report since XX/XX/XXXX. 3.navient now says that since I was behind they never could defer my payment. I still do not understand how it was behind, I was in bankruptcy and it was supposed to be deferred. I explained to navient. They said that this was after bankruptcy when the loan went through. I talked to navient XX/XX/XXXX and they said I was deferred until XX/XX/XXXX.
Consumer complaint received 2017-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates, Inc. (MO) (WA)

On XX/XX/XXXX I sent 31 requests for validation of collection accounts to Credit Associates Inc. by USPS Certified Mail. I have the mail receipts and the USPS tracking verification that all 31 letters were received by Credit Associates Inc at their mailing address on XX/XX/XXXX. As of XX/XX/XXXX, Credit Associates Inc has not responded to any of the my written requests for account validation and for proof that they have authority or right to collect the debt for the original creditors, and also that they are legally authorized and licensed to collect debts in the state of Washington. Additionally, of the 31 accounts I requested validation for, they did not update 10 of the accounts to disputed status with the credit bureaus within 30 days as required by law.
By not responding to my letters within 30 days of receipt they are guilty of 10 separate violations of FDCPA Section 807 ( 8 ) ( they did not update 10 of the accounts to dispute status within 30 days of receiving the validation letters ), 26 separate violations of FDCPA Section 805 ( c ) ( 5 of the accounts were previously paid by me to try to avoid negative credit ) and 26 separate violations of 809 ( b ) for continuing to try to collect a debt that has not been validated after receiving a validation request.
Consumer complaint received 2017-08-01
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: Designed Receivable Solutions, Inc. (CA)

Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract.
FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested.
It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : Designed Receivables Acct # XXXX Bal : {$380.00} Designed Receivables Acct # XXXX Bal : {$1700.00} XXXX XXXX XXXX XXXX No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I am an American citizen living abroad at the time being. I initiated withdrawal from my COINBASE account via a XXXX payment to my bank in the XXXX on XX/XX/XXXXat XXXX XXXX XXXX time. ( reference number XXXX ) I had an email from coinbase saying it would reach my bank by XXXX XXXX 2017 It shows as COMPLETED in my coinbase account but my bank has had no such transfer. I have contacted coinbase via their email support however that support has been suspended. I attempted contact on their contact form by selecting " XXXX payments " from their drop down menu and was unable to submit the form due to their technical error. I was finally able to submit a complaint on their form by selecting " unable to buy and sell '' but they have failed to respond. I have tried 5 times to update my contact form in order to get a response but can not get any response at all from coinbase. There is no phone number to ring and no email to email. I am worried I have lost my XXXX XXXX. Please advise how to proceed. Many thanks
Consumer complaint received 2016-10-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

OCWEN purported having foreclosed on account number XXXX, property address XXXX XXXX XXXX, XXXX, California XXXX. XXXX and XXXX XXXX is with information that an payment were made to OCWEN by XXXX XXXX, attorney after the sale of the property at a trustee sale, however OCWEN has not confirmed the payment were received. Please confirm : 1 ) that a trustee sale were conducted by XXXX XXXX on behalf of the beneficiary OCWEN. 2 ) that a " pay off '' were made to OCWEN by XXXX XXXX satisfying the debt. Submit a letter stating a " pay off '' were made.
Consumer complaint received 2017-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AR)

My name is XXXX XXXX XXXX, My Mortgage was closed and paid off as part of a Chapter XXXX Bankruptcy Proceeding with XXXX XXXX which also calls itself Wells Fargo and does business as America 's Servicing Company. The Bankruptcy Case Number that fully cured this debt is XXXX. A notice of Final Cure of this Real Estate Mortgage was fully Acknowledged by XXXX XXXX  AND United States Bankruptcy Court XXXX District of Arkansas which was signed by Judge XXXX XXXX XXXX on XX/XX/XXXX, 2016. Even though my Mortgage debt was completely paid. XXXX XXXX dong business as Wells Fargo and America 's Servicing Company started sending me new Collection notices under several other bank names and servicing companies for the same loan. Wells Fargo and XXXX XXXX even attempted to illegally foreclose on my Home knowing that all debts on it had already been fully cured under the court proceeding. 1 ) I am asking the CFPB to stop Wells Fargo and XXXX XXXX to stop illegal monthly collections on a loan that has already been paid and acknowledged as paid in full in court documents. 2 ) I would like the CFPB to make Wells Fargo and XXXX XXXX to send a XXXX Balance so that I may obtain the Real Estate Deed to the Property XXXX XXXX XXXX XXXX, XXXX XXXX Arkansas, XXXX as the sole and rightful owner. 3 ) I would like the CFPB to investigate Elder Abuse and Fraud by Wells Fargo and XXXX XXXX for knowingly and illegally collecting on a paid debt. US Court Documents confirming the facts stated above are attached. I was taken advantage of and the victim of these financial crimes because I am an elderly XXXX man in my XXXX.
Consumer complaint received 2017-09-07
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (AZ)

My father XXXX XXXX on XX/XX/XXXX, I as one of the heirs contacted Financial Freedom, CIT Bank, N.A. to notify the company of his passing and also requested to purchase the property back within the 30 day timeframe requirement. I was told that they would not even have an appraisal of the property or grant an extension until we were able to provide a notice of intent and proof of funds, and an offer letter or the home would foreclose. At that time I was advised that if the offer letter was not enough to satisfy the loan that an appraisal of the property would be done and we would be quoted an amount to satisfy the loan, ( which should be 95 % of the appraised value not the current loan amount ). On XX/XX/XXXX I faxed all the requested documents and waited for a response. We then received a letter requesting our intent with the property and additional information, this was faxed XX/XX/XXXX. I called XX/XX/XXXX to confirm receipt of the information and was told that we were declined for an extension and that we needed to list the property for sale or the home will soon foreclose. I advised that we need them to have the home appraised so we can get the amount needed to purchase the property, they refused to do an appraisal of the property so I advised that we have no way of listing or purchasing the property until we are quoted an amount. On XX/XX/XXXX I have sent a letter requesting in writing what the options are for the heirs, an extension of the loan, an appraisal with the amount due to satisfy the loan. We are close to the 90 days for foreclosure and we have sent everything requested, without an appraisal or an extension the property will soon foreclose.
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I wrote a letter to XXXX XXXX asking the company to provide me proof of my written signature. They said the debt was sold to Midland Funding and they forwarded my request. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (GA)

Someone has opened accounts in my name. I found numerous errors on my credit report. Just for the record XXXX XXXX XXXX is the preparer of this dispute. I am a living human, which I have not signed any contracts or oany obligation to open these accounts. I have rights under 15 USC 1681 XXXX, XXXX, and Equifax has allowed these creditors to violate me numerous of times. I demand these accounts be removed according to 15 USC 1681 I have a right to privacy and I did give these creditors the right to furnish these accounts. XXXX XXXX account XXXX was dismissed in XXXX XXXX of XXXX XXXX. All along I have claimed I never opened the account. Therefore it was dismissed XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX. All of these accounts are not connected to an open account, I never signed any documents giving consent for them to run my credit,
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

In XX/XX/XXXX, I submitted the online form for my IDR repayment. I was told that I would need to submit a paper form this year. On XX/XX/XXXX I submitted all the required paperwork to continue on an IDR plan. On XX/XX/XXXX, I received notice that FedLoan required additional paperwork in the form of a XXXX form. I faxed the XXXX form on XX/XX/XXXX. I did not receive any additional notifications form FedLoan. On XX/XX/XXXX I received notification from FedLoan that my payment for XX/XX/XXXX would be {$900.00}. On the IDR plan, my payments have been {$260.00}. I have been dealing with FedLoan Servicing 's incompetence and illegal behavior for 4 years. Each time I deal with them I am told incorrect information, am lied to, and have money stolen from me. The attached files are only a fraction of the countless letters I have sent in to FedLoan Servicing and make no mention of the hours I have spent trying to correct their wrongs. I also lost hundreds of dollars when I was forced to pay off my XXXX Grant only to have it reinstated many months later and was not paid interest or the full amount that was paid to them.
Consumer complaint received 2017-09-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (CA)

I origonally leased a XXXX XXXX from XXXX XXXX XXXX  on XX/XX/XXXX. My lease agreement states that the company is responsible for maintenance on the vehicle up until 90,000 miles are on the vehicle. My loan was transferred to XXXX XXXXXX/XX/XXXX. My contract also states that if the lease is transferred the agreement still stands regardless of the new companies policies. XXXX XXXX has failed to uphold my maintenance agreement and has not reimbursed me for two seperate maintenances preformed on the vehicle. The innvoices were submitted XX/XX/XXXX and I was told it would take 10-14 business days for the money to be reimbursed. I 've spoken with XXXX XXXX several times since XX/XX/XXXX regarding this issue and was told a supervisor will contact me within 24-48 hours. This did not happen. Secondly, upon signing the lease agreement on XX/XX/XXXX the lease states that I am to pay a total of {$15000.00} in 108 weekly payments of {$150.00}. I am and have always been on time with weekly payments yet Innovate loan is now stating I owe {$25000.00}. I have called on several occasions about this amount and have not received an updated amount, I have also submitted the Lease to them for review with no outcome.
Consumer complaint received 2017-09-07
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: AMERICAN EXPRESS COMPANY (CA)

I applied for a American Express XXXX XXXX card with a XXXX  XXXX points bonus after {$3000.00} of spend in the first 3 months of the card being issued. My credit application was approved and card was issued on XX/XX/XXXX I met the spending of {$3000.00} in XX/XX/XXXX. Statement closed on XX/XX/XXXX. I have yet to see the points posted to the account. Have spoken to Amex representatives several times and they do not know why the points have not posted and have opened a case. They keep telling me that the points will post 6-8 weeks after meeting the spend. It has now been 11 weeks and no one can tell my why the points have not posted. They say they have opened a case and it 's ongoing ...
Consumer complaint received 2017-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (CA)

As friend tried sending me {$400.00} through his bank ( XXXX XXXX ) to my bank ( XXXX ) via clearXchange ( soon to be XXXX ). I tried claiming the money on XXXX XXXX, 2017. I was shown on the XXXX  online site that the money would be transferred. As of XX/XX/XXXX, no money has been transferred to my account.
I called XXXX on XX/XX/XXXX who said they did n't know anything about the transaction. No record of it whatsoever, and to contact the sending bank.
I called clearXchange ( from the information I was given in the email generated by the same company ). The first person also showed no transaction information. I asked for a supervisor who said that the showed that the money had been initiated on the 2nd, but that is all the information they had.
I called my friend who showed me that the money was taken out of his account on the 2nd. Where did the money go? Nobody can say. Apparently there is n't logs of anything beyond " the transaction began ''.
Apparently clearXchange was started/owned by XXXX XXXX XXXX, XXXX, and XXXX XXXX, then sold to an " independent company ''. There is no accountability apparently, and no way to even check on the status.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.