davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC (FL)

To whom this concern, Due to financial constraints I found myself in default on XXXX student loans ( administered by XXXX different loan servicers. In months that followed, I entered into student loan default rehabilitation on XXXX loans ( Account # XXXX - {$130000.00} & Account # XXXX - {$57000.00} ) with GC Services. Less than a month later the third loan servicer ( Florida Department of Education ) initiated administrative wage garnishment through my employer. I sent the appropriate the documentation to GC Services via certified receipt mail and all receipts were signed and returned. To this date, even after all requested documentation has been provided often times repeatedly, GC Services insists on increasing my monthly rehabilitation loan payments more than 8 months into rehabilitation because they will not acknowledge documentation that I have already sent ( e.g., Form XXXX - Child and Dependent Care Form, pay stubs, etc. ). In fact they will not acknowledge the fact that my wages are now being garnished and they will not acknowledge the expense tied to the other rehabilitation loan, which is being serviced by their own company. In addition, they have refused to accept IRS Form XXXX from my 2014 tax filing and a copy of the document provided by my son 's care care providers as evidence of my dependent expenses. They are insisting on yet another document with company letterhead as a receipt for payments received for services rendered. It is my belief that this particular request is merely a plow to harass to pressure me into agreeing to pay more than what I agreed to when I entered into rehabilitation. Since I am earning significantly less due to wage garnishment then when I entered into the agreement, I would expect that they would lower my monthly payment obligation rather than try to use any excuse to raise them. I have always intended to repay my student loans, however, circumstances beyond my control have inhibited this endeavor. Rather, I must stipulate that GC Services in engaging in predatory and unethical practices to secure higher payments which has put me into position where it may compromise my ability to successfully complete loan rehabilitation and cause further damage to my family 's financial standing to include the ability to meet our financial obligations ( mortgage, car payments, daycare, etc. ). Please provide whatever assistance you can provide to help remedy this issue. Thank you. 
Respectfully, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CA)

Caliber Home Loans has filed a Notice Motion And Motion For Relief From Automatic Stay Under 11 U.S.C. 362 with supporting declarations XXXX XXXX. Movant : XXXX Bank Trust XXXX. for XXXX Master Participation Trust BY Caliber Home Loans , Inc., as its attorney in factThis action is based on XXXX months non payment which is in error.
Consumer complaint received 2016-03-30
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ACS Education Services (OH)

XXXX sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX has been investigated for over 30 days and they are still reporting the wrong date opened. i also have not received proof of their investigation including a copy of the original signed contract. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of information from the file
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates (LA)

VALIDATION AND CEASE AND DESIST Collection agency name : RETAIL MERCHT ASSOC XXXX  Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number:XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proo
f that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX & TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent accounts consist of a personal loan company XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX XXXX Inquired on XX/XX/year>. Also, a fraudulent inquiry of a, auto financing company consist of XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/year>, XXXX XXXX XXXX Inquired on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-07-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (OR)

# 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. 

# 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. 

# 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. 

I now believe that this is all intentional and predatory in nature.
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Bank of America to collect more fees from working people. This is ridiculous, I am switching banks.
Consumer complaint received 2024-11-23
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. (RI)

I am writing to formally notify you that I am a victim of a data breach and have been impacted by identity theft. As a result, unauthorized accounts and inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-11-04
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (TX)

This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help
Consumer complaint received 2016-01-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

I went onto XXXX to buy some XXXX XXXX game tickets. I found a guy to buy them at the price I could afford. HE agreed. I had been texting with him and also talked to him on the phone before sending the money. I used Money Gram to send the money, and he is n't sending the tickets. I 'm out {$300.00} and {$11.00} for the Money Gram fee. I would like help in making sure this does n't happen to someone else.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Balance transfer — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I took out a credit card with XXXX XXXX, i was paying on promotional items and defaulted on my payments after a few years and was being sued by a law firm, I expressed to them that I had been paying on the promotional items that according to my calculations were paid off, they said they would look at this matter and just sent me a letter in XXXX ( not the language in which we were communicating ) stating they looked into the matter and balance was owed. still thinking this was about the promotional item I kept fighting them on it. eventually we made it to court and I brought all my proof of payments. it was there that I finally learned that the balance owed was for a balance transfer that was done the exact month after I finished paying off my promotional items. so I kept thinking I was paying on that this whole time and never questioned the balance transfer. the credit card given to me was not a visa/master it was just a regular department store issued card being serviced by XXXX. when I asked the attorney representing them where and how was this balance transfer was done, he was unable to provide me with more info. never was I ever told this this was not the item that I had continuously fought them. in the recordings I was never informed of this " balance '' transfer to have requested proof of how this was done. was it over the phone? was it check issued? and why would I be allowed to transfer another debt to a non XXXX credit card?. since I was never informed of this I was not prepared for this in court. evidently we lost the case and we are now to pay them the entire balance plus filing fees. I want to request proof of this balance transfer and how it was done, there must be a recording, signature, check issed something. i do n't know where to request it from at this point. im attaching the statement they sent and some of the proof that was presented in court. i strongly feel this is fraud and would like an investigation done. why did n't the collections agency ever bother to tell me this was a balance transfer and not the promotional item i had so fully fought them on? if there is any other information needed or questions please feel free to contact me, or if you can direct me where to start with this. 
my name is : XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX CA XXXX, cell : XXXX. portfolio recovery assc llc accnt # XXXX email : XXXXXXXXXXXX
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I tried to get a loan modification from BOA for 4 years. I sent documentation over and over and they kept asking for the same papers over and over. In 2013 BOA informed me that it made a claim for payment on the FHA mortgage insurance. My mortgage was sold to FHA, then to a different company. I was instructed to continue negotiating with the new servicing company. Well ... BOA still convinced a judge to send my property to the auction bloc. Isn ' t that fraud? trying to steal someone 's house after claiming insurance money from FHA?
Consumer complaint received 2015-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (GA)

I have XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
So I dispute this Debit : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} ''
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

Navient holds my student loans and has once again stopped mailing me my billing statements. I can not make payments without the billing statements. I contacted them via telephone over 3 weeks ago and requested a billing statement. The lady I spoke to at Navient said that they had my home address entered as " terminated '' and was unsure why this was entered into their system since I have lived at the same address for over 1 1/2 years. I was receiving my billing statements every month until XXXX 2016 - suddenly, no more billing statements. 
I finally received a billing statement this past weekend and I have paid the full amount minus the late charges, bringing my account up-to-date. I should not be responsible for late fees that this company is generating due to it 's own inability to mail me my billing statements. This is not the first time this company has done this to me. They stopped sending my billing statements about 3 years ago and I had to call them to have them send me my billing statements. 
Navient has been calling me every day for the past 1 1/2 weeks now, requesting that I pay them over the telephone. I have explained to them on more than XXXX occasions the situation and each time they have told me that they have requested a billing statement to be sent to my home address. I am concerned that this company is purposefully not sending out billing statements to it 's clients to engineer " late fees '' to increase their profits. At the least, this appears to be very unethical business behavior.
Consumer complaint received 2024-08-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a dispute regarding alleged violations of 12 CFR 1006.34 ( b ) ( 5 ) by Credit Collection Service XXXX a debt collector for XXXX XXXXXXXX XXXX 

The car was not financed and returned to the company before we drove off the lot I obtained insurance in my name for my son to get the car, we decided to return the car and didnt have the car for the month of insurance I am being charged. I believe this company actually owes me money. 

On [ date ], I received a communication from [ Credit Collection Service Name ] regarding an alleged debt originally owed to XXXX XXXX. I believe this communication violates the Fair Debt Collection Practices Act ( FDCPA ) through its failure to comply with 12 CFR 1006.34 ( b ) ( 5 ). 

[ Clearly and concisely explain how the credit collection service has violated the regulation. For example, you might state that they failed to provide accurate validation information, or that they continued collection activities after the validation period expired. ] I have attached copies of all relevant documentation, including [ list of documents, such as the validation notice, communication from the credit collection service, etc. ]. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ Credit Collection Service Name ]. I am seeking [ state your desired outcome, such as debt validation, cessation of collection activity, or monetary damages ]. 

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

Sincerely, [ Your Name ]