davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (AR)

I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have sent dispute letters multiple times via certified mail to have this item deleted from all credit reporting agencies. I am being sent information that is not validation that the debt is indeed mine according to the law. A statement of charges and/ or a balance on a letter head is not sufficient documentation of validation.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disturbed that the Credit Bureaus XXXX and TransUnion continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.
Consumer complaint received 2018-04-19
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: HCFS Healthcare Financial Services of TeamHealth (GA)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Balances of XXXX and XXXX are unverified by this company To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Shermeta Law Group, PLLC (MI)

TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX P. ( XXXX ) F. ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of SHERMETA LAW GROUP PLLC, XXXX. XXXX XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (WY)

I have tried on several occasions to dispute a debt with XXXX XXXX XXXX that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018. 

I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me. 

Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX XXXX XXXX and XXXX XXXX. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
Consumer complaint received 2018-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

XXXX XXXX XXXX has contacted me numerous times, several times a day and every time I speak with them its the same spill. They acknowledge my debt and ask if Im able to pay the debt. I have told them numerous times that I am willing to work with them and pay my debt but I was given false information on my options for payment. I was misinformed for almost 4 years and I never knew about all forms of payment. I had to pay my friends to make a payment for me at times. I work almost 20 hours a day and literally couldnt take advantage of the payment option they were offering online due to limited access to a computer. One day after I was already 1 year behind in payments a customer service associate told me about the application they have available to pay through. I have been able to pay more money and ahead of time do to this particular call. I am very disappointed in XXXX XXXX for not informing me of all the options. This has negatively impacted my credit and keeping me from getting approved for certain loans.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OH)

I was targeted for a promotion back in XXXX XX/XX/XXXX in conjunction with my XXXX XXXX XXXXXXXX XXXX XXXX ( now called XXXX   ) credit card, which offered me XXXX bonus XXXX XXXX points for each authorized user credit card added ( up to four ), given that each new authorized user spends at least {$1000.00} on the card within 3 months of opening. [ image of offer attached ]. I took advantage of this offer, setting up two new authorized user accounts on XX/XX/XXXX online via American Express ' website. The minimum spend requirements were completed for both new cards by the deadline indicated, but I only received one of the XXXX bonus point amounts into my XXXX account. The card which did not receive the bonus points was used by my wife to complete {$1000.00} in spending from the dates of XX/XX/XXXX thru XX/XX/XXXX. [ transaction list with dates attached ]. I contacted XXXX customer service on XX/XX/XXXX to remedy the situation, of which they stated they saw the spend was there and would start " an investigation '' into why I did not receive the points and it would take 6-8 weeks but to call back before then. After hearing nothing, I called again on XX/XX/XXXX to be told they saw that everything looked correct but they needed two more weeks to continue looking into it. After again hearing nothing, I called on XX/XX/XXXX, and after being placed on hold multiple times, them being surprised why I didn't get the bonus points as it looked like I should have received them, ( and being on the phone over 37 minutes ), they apologized for the trouble and said they would credit my XXXX account with the XXXX points. I thanked them and asked when it should show up and they said within 72 hours. It has now been 15 days and still the XXXX points have not shown up in my XXXX  account.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/2017. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have been in contact with Equifax for the past 6 months in regards to accounts on my credit report that were fraudulent. I have supported police documentation to substantiate my claims. Every other CRA has removed those accounts. Not only has Equifax not removed but they refused to tell me the method that was use to verify my account ( s ) nor have they sent the documents as I have requested for approximately 6 months. Equifax is a fraud and clearly has no regard for the law and the FCRA!
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

Loans in forbearance currently because I was no longer allowed to sign up for income based with my own information. They started requiring my husbands information which he was not ok with. Had to start making regular payments once that was a requirement. Recently had a baby and couldnt afford the higher payments so had to put in forbearance bc no other options available.
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (GA)

This company is over changing me this loan i need them check out. 
The amount was {$8900.00} that had to be pay off in 144 months it was pay off in 39 months the least statement said that I need to pay {$310.00} to pay this loan off I pay {$320.00}. now they saying that I owed {$57.00}.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). It has been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXXXXXXXXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I filed a complaint with CFPB on XX/XX/XXXX, and Bayview provided a false response to that complaint on XX/XX/XXXX. 

In its response letter dated XX/XX/XXXX, page 2 of 4, Bayview claims that it was not in the receipt of an updated insurance policy until the policy was received via email on XX/XX/XXXX, and was processed on XX/XX/XXXX. This is a pure lie, as I have an email evidence that the updated insurance policy was emailed to Bayview Insurance department ( i.e., XXXXXXXXXXXX ) on XX/XX/XXXX, and again was forwarded to them on XX/XX/XXXX. 

I believe Bayview has been caught in a lie to a federal agency now. They received the proof of insurance that they were seeking on XX/XX/XXXX, but they refused to process it until XX/XX/XXXX. That is more that a month, during which time, Bayview was harassing me with threatening and distressful letters about purchasing lender imposed insurance policy. 

I want CFPB to ask Bayview about their recent lie in their response. I have attached a copy of the email that was sent by my insurance agent to Bayview on XX/XX/XXXX. In that email, the certificate of insurance was sent to Bayview, but now Bayview claims it did not receive the certificate of insurance until XX/XX/XXXX, which is a big lie.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF XXXX  XXXX XXXX I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY XXXX XXXX FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO XXXX XXXX, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am disturbed that the Credit Bureaus Experian and XXXX  continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.
Consumer complaint received 2018-04-19
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: Perfection Collection (MD)

contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE. 

On XX/XX/XXXX I contacted XXXX  to request they remove this unverified account, have not received a response as of yet.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2024 I logged into my account at XXXX.experian.com and found that I could not cancel my basic account online. The site stated I needed to cancel by calling their customer service number. I called, and after being prompted by the automated menu, I asked to " cancel account ''. The automated support asked me to choose a language in order to help me. After choosing it brought me back to the beginning of the menu. This continued in a loop and never progressed to a submenu option where I could cancel my account. I then asked for an agent and the automated support stated that I could only talk to an agent for " specific reasons ''. It did not provide menu options for which I would be able to speak to an agent, It only asked what reason I needed to speak to an agent for. I answered that it was to cancel my account. It looped me back to the main menu options again. Eventually the automated support stated it would not be able to help me and hung up the call. I called a few times and confirmed that the system gave the same result each time, that is it looped back to the main menu many times and provided no option to cancel the account and no option to talk to an agent in order to cancel the account.