davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.
Consumer complaint received 2018-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I've been having issues contact Coinbase.com and XXXX   concerning a lockout to my account. For the past two and a half months I've been having seeing " An error occurred. Please contact XXXX  support '' when trying to access my funds. I currently have around 14k in total cryptocurrency values that aren't accessible at that the moment. I have repeatedly emailed them and see this response multiple times : " Hi again, Ive just checked your account and can confirm that your request has been properly escalated.

For fastest response, please do not create multiple tickets about your issue.

Once your request is cleared, well be sure to follow up.

Thanks so much for your patience and for working with us on this.

Hi there, Thank you for contacting Coinbase!

Thank you for patronizing Coinbase.

Warm Regards, *XXXX* '' If I could somehow have access to my account that would be great.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I have outstanding student loan debt that has grown significantly that I can not afford to pay due to me being put into forbearance status time and again instead of putting me in an income based payment plan like I have asked for. This has been slowly killing my credit and is making it impossible for me to get out of debt. Most of the loans are Federal through Navient but a few are private through Navient. I have had some major life changes where I am now at home and unable to work due to other responsibilities to my infant, XXXX children, and XXXX mother. Please help me get them to enroll me in an income based payment plan so that these can stop damaging my credit.
Consumer complaint received 2015-08-14
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SIMM Associates, Inc. (CA)

Simms and Associates a debt collection company has called me no less than XXXX times regarding an alleged collection for my daughter XXXX XXXX. 

I have informed them each time this is not her number, I have no involvement in this claim and in fact they will not disclose ANY information to me about it as they acknowledge that I am not party to the transaction and they can not disclose any information to me, yet they continue to call. 

Each time they insist they have never called me before, today I said, " then how do I know who you are and what you are calling about. " Each time I have asked them to stop calling yet they continue to call me. The latest call was today. 

My daughter has spoken to Simms and Associates approximately 3 months ago ( so yes they have been in contact with her directly ). She asked them to send her a letter with proof of the debt and explanation of the debt. Their response was they already sent it, however, she has received no such letter or information to date. She asked them to send the information and it still has not arrived. 

The person I spoke to today was aggressive, insistent about getting personal contact information for my daughter, refused to provide ANY proof they have a valid reason to contact her, and denied the firm has ever contacted me before. 

I told them they are violating the law by continuing to contact me and harass me. She insisted they are not violating the law by contacting me about a debt I am not a party to. She did say they would remove me from the list, BUT they have said this the last XXXX times as well.
Consumer complaint received 2017-02-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (AZ)

Hello - I have a entry on my credit report from National Credit Systems. They say I owe an old apartment complex I used to live in for a couple of months rent. However - I had moved out early from the apartment, thus ending my contract early. I even paid the early termination fee. 

However - National Credit Systems is saying that I owe the apartment complex for the rest of the contract, even though I cancelled it early. I have told them that, and they still entered the information onto my credit reports. 

I can provide evidence that I cancelled the contract early.
Consumer complaint received 2017-12-06
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: JPMORGAN CHASE & CO. (MA)

What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pullsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

Repeated calls, morning and evening once a day, it seems like more than once a day at times and I usually do n't answer and they do n't leave a message ; when asked to ifentify themselves they give an non-descript answer like this is about a personal problem so I finally I hang up.
Consumer complaint received 2017-11-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (ME)

The company, LoanDepot, promised me {$3000.00} in cash back. That cash back was vastly reduced. The loan officer I spoke with said that they were breaking the law to offer me that money. I want to know if their refinance of my mortgage was illegal and if they owe me any money or damages. 

I am a 100 % service XXXX Veteran.
Consumer complaint received 2017-11-22
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: CITIBANK, N.A. (FL)

To whom it may concern : XXXX, Citi Bank N/A, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
Consumer complaint received 2017-11-22
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. (FL)

To whom it may concern : TransUnion & XXXX XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. 
Inaccurate items : XXXX XXXX XXXX All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. 
Sincerely XXXX XXXX
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Here comes C ITI Bank credit card for XXXX store accounts for customers only. 
My experience was if I had $ XXXX credit limit and I gassed up on a trip, the card shuts off at $ XXXX to pay now? If on a trip you ca n't buy more gas? 

Upon billing, if you are late until you get back home, THE FEE IS {$37.00} [ USUERY? ] plus a 10 % interest charge on top of FEES? 

I canceled my card with a $ XXXX credit balance which I have n't received a check for? 

C I TI BANK needs a grooming on credit cards which are not a Bank Loan?
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ATG Credit, LLC (IN)

I do not accept responsibility for ANY debt and I do not acknowledge any debt being collected by ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. 

Now, I received a phone call out of the blue from this company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX asking for a person with a similar name XXXX XXXX. I indicated that they had the wrong person as I am XXXX XXXX and made a point to call them back and demand that they cease calling my number ( I do have the call log if the CFPB wishes to see it ), again telling them THEY HAVE THE WRONG PERSON. The Collection Agent just hung up without acknowledging the mistake. 
Now I am getting mail sent to my home from the same company which I opened by mistake due to the similarity in name. I recognized the name of the collections company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, now sending demands to my home. Again ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is sending collection attempts TO A PERSON WITH A DIFFERENT NAME and violated my privacy by locating my address ( NOT LISTED ) in its attempts to collect a debt. The Collections company has been illegally infiltrating my credit and using illicit tactics to obtain my address in its attempt to collect from a person with a similar name of its debtor. 

This complaint to the CFPB is being done on record to exhaust all avenues of consumer protection prior to legal action against this collection agency for harassment, mental abuse and privacy violations. I will not be harassed and I will fight back. I realize the nature of collections work must be tiring and endless. And I see how it is easy to attack the wrong person when you cast a net so wide. However, That being said I am not going to permit a collector to ruin my name when they were told all they needed to know from day one NOT THE RIGHT PERSON. What gives them the right to invade my privacy and continue to harass me? I do not need to explain my personal business with any collector and they have no justification for this harassment. 

Let this complaint serve as notice to ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX is attempting to collect a debt from the WRONG PERSON. From this day forward they are to make NO CONTACT with me at all. No calls, no letters, no contact with friends or relatives. They are not to abuse my privacy by illicit credit report invasions or checks on my good name. Any further attacks from ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX will be met with swift legal action. Do n't try me.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX My card was stolen I reported to Bank of America & had card canceled Had conference With manager & was credited the false charges, However approx 2 months later my they debited my account {$470.00} the amount of my social security check all I had in my account, I called the card company & was informed an investigation? had reversed their decision without my knowledge or letting me know. It 's been around 4 months & I thought I had nowhere to turn for help then a friend told me about how cfpb worked to mediate the situation in his favor. 
Thank You
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX, I filed a complaint with the BBB against the violation of my consumer rights with XXXX XXXX XXXX. They keep calling my job although they notified BBB on XX/XX/XXXX that they received my complaint when I called and they will no longer call my place of employment. On XX/XX/XXXX, my supervisor once again informed me that I received yet another call from this same place. I spoke to her and was told I am not to give out her number. I apologized yet again and assured her that I was trying my best to get this situation under control. 

XXXX XXXX XXXX has yet again violated my consumer rights, lied in writing to the BBB and they refuse to abide by The Fair Debt Collection Practices Act. They keep violating my rights under this act and companies like this must stop. I am working very hard although they do n't see it to catch up on my car payments. I am on 90 probation because this is a new job and to have bill collectors keep calling me at work is unacceptable. I receive an evaluation and this will be noted. How do they accept me to pay my car note when they keep violating my rights trying to get me fired or humiliated at work. I am not sure why they feel they can do this but it has to end. I will be looking to seek further action against them. 

In their own writing on Ally letter head they replied back to the CFPB stating they place my cell number and work number on the Do Not Call list, however they keep calling my cell over 5x 's a day as well as still calling my place of employment. I have  attached a copy for the records.
Consumer complaint received 2017-12-06
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. (IL)

I recently checked my credit report and saw fraudulent accounts. I been making multiple attempts to contact hem they 're constantly changing there point of contact which is making it had to contact them. Meanwhile, they are reporting inaccurate accounts with proper validation and in violation of section 609 of the Fair debt collecting Act.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have 14 inquires on my credit report that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (MI)

1. RESPONDENT ( S ) failed to rebut, answer, or respond, to C Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, 2016 ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigned 's Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing. Under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter. 

2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. 

3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

4. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. 

5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MN)

I made a purchase from Macy 's in XXXX. I was pressured into applying for an instant credit promotion when I tried to pay with my debit card. I left with the items and did n't give it another thought. When I received no card or bill from them I assumed I had been denied and that it had been charged to my debit card. On XXXX XXXX, I got an overnight letter which appeared to be from Macy 's, but when I called the next day I discovered it was actually from a collection agency. The amount was more than doubled due to late fees and interest. I have contacted Macy 's and the collection agencies multiple times by phone and mail, expressing my willingness to pay the original amount but not the additional charges, as they would not apply had they contacted me in a timely manner. In addition to my mailing address, they have my phone and email information. I 've written Macy 's billing dispute office and received a package containing copies of past statements. This is the first direct communication from them, and I only learned the account number in question today, I have yet to receive the card these statements arise from. Obviously, Macy 's will have no evidence they ever sent it or that it was ever activated. As previously indicated, I have expressed my willingness to remit payment for the original amount, provided they waive additional charges and remove detrimental information from my credit report. This has not only caused me emotional distress, but financial harm as well since I am now being charged the top interest rate on another card because my rating has dropped XXXX points due to their actions. I remain hopeful this matter can be resolved without litigation. I appreciate anything you can do to help and thank you for your consideration. I look forward to hearing from you soon.
Consumer complaint received 2016-07-13
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CT)

I was provided a marketing brochure from Citibank stating that I can earn a {$400.00} cash bonus with a new account and qualifying deposit. It says open to see the details. On the inside of the brochure, if states you can earn a {$400.00} cash bonus if I open a consumer checking account by XXXX/XXXX/2016 and deposit {$15000.00} or more within 30 days of opening the account and maintain a minimum balance of {$15000.00} for another 30 days, I will collect the bonus of {$400.00}. 
I just went to the Citibank branch and they informed me that I have to leave my money in the account, not for 60 days, but for 90 days. That is not what the brochure stated. In my opinion, this is marketing deception and unlawful.