davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I recently submitted a complaint ( case # XXXX ) which was addressed, however, I would like it pursued further. While I appreciate Cash Central 's timely response, I was absolutely assured that despite the language that my loan " may be reported '', I was told repeatedly that it would not as long as I did n't default which I never have. 

My credit is still taking hit. It wo n't recover until this loan is XXXX out. I am in Cash Central 's vicious cycle of high fees and perpetual debt. They prey on someone 's desperation and then make it impossible to recover financially. While I wholeheartedly appreciate the zero interest Cash Central has agreed to, I would like to further negotiate this due to the outrageous penalizing life altering fees I have already paid. 

I have paid {$11000.00} toward the {$4200.00} that I borrowed. I have paid more than XXXX XXXX times the amount of the loan back to Cash Central. I have more than paid this debt in full. I have paid it in full PLUS exorbitant fees. I plead to CashCentral to fully forgive the remaining balance. If it is not, I am looking at months of additional payments totaling more than {$14000.00} for a {$4200.00} loan when all is said and done. This is preying on an individual 's financial emergency and has me trapped in this cycle. Due to the enormous amount of money CC has already received from me, it would not cause them any financial hardship to forgive my remaining balance and settle my loan for the $ XXXX I have already paid.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is making its customers listen to XXXX minutes of advertisements for paid credit-monitoring services before TransUnion will place a fraud alert on the customer 's file. The way TransUnion describes these paid services is unfair and abusive because consumers have to listen to the advertisement and decline it XXXX before TransUnion will complete the request to place a fraud alert on file. The way the advertisement is presented and the timing of the presentation make it seem like a required part of the process of placing a fraud alert on file. 

Background is as follows. On XXXX/XXXX/15 I called TransUnion to place a fraud alert on my credit file. ( I had just learned my social security number had been stolen and someone was using it. ) I went through TransUnion 's prompts on initiating the fraud alert. 

Then, before TransUnion 's automated system said the fraud alert was placed, it played an advertisement for paid credit-monitoring services provided by TransUnion. This ad was about XXXX seconds long and followed by a choice to press " XXXX '' and order the service or press " XXXX '' and decline the service. I pressed " XXXX. '' TransUnion immediately played a XXXX advertisement for the same service, this time XXXX seconds in length and using much more alarming language, again encouraging me to pay for the service. Again I was presented with the choice to press " XXXX '' to order the service or " XXXX '' decline it. I pressed " XXXX. " Only after I declined the service XXXX did TransUnion 's automated system state that my request to place a fraud alert on file was successful. 

TransUnion should not be able to require victims of identity theft to listen to TransUnion 's paid advertisements as the price for placing a fraud alert on their own files. But that is exactly what TransUnion is doing right now.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (DE)

I had sent the company Ace Cash Express a letter stating I was revoking an ACH authorization they complied and then today I received an ACH debit on my checking account from an XXXX XXXX. First of all I do not know who XXXX XXXX is nor have I had any dealings with them and they took XXXX out of my checking account. I can not have people I do n't know taking money out of my account. This is absurd to me. I find it fishy because it is the same amount I had with Ace. I am a mother and I have been very sick and every little penny counts.
Consumer complaint received 2015-08-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Coastline Financial Resources, LLC (NY)

My landlord received a call from XXXX, a debt collection company, who said they had a delivery for me and wanted to confirm my address and social security number. They left the phone number XXXX and a case number XXXX. I returned the call myself to request their mailing address in order to send them a cease and desist letter and to inform them that my sole source of income is XXXX XXXX XXXX XXXX. The ( unidentified ) woman on the phone refused to provide the company 's address and claimed that they were in the process of filing court documents to recoup an alleged debt. They would not provide me with any specifics regarding this debt and called me a " deadbeat '' who was trying to " hide behind a legal technicality '' ( my right to request that they stop calling me or my landlord and to contact me in writing, only ) at which point I ended the call. 

I have located an address for XXXX online and have sent a cease and desist letter, with a copy to XXXX.
Consumer complaint received 2015-09-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: High Point Asset Inc (WA)

I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.
Consumer complaint received 2017-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (WA)

I discovered a negative account for XXXX, for nearly XXXX in rent on my credit report as of XXXX. I contacted XXXX once I saw a negative account in my credit report. They responded that they had no lease for me for XXXX. I contacted National credit System immediately and asked to look into it., in XXXX/XXXX/XXXX. I have not had a response so far. Until this is resolved no one will rent to me and my children. I get to sleep in a car. I definitely feel a negative impact for this fraudulent account
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax improperly divulged my information without my consent. I 'm shocked that their security systems were so inadequate, and that considering how highly valuable this information is, they do not employ standard techniques such as two-factor authentication. In my opinion this breach shows how little they value the security and privacy of US citizens, and they should be reprimanded appropriately.
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (FL)

I monitor my credit from time to time on XXXX XXXX I notice I have a open account with the company and I did not authorize this inquiry and the card never came to my home.I explained to these people that i live in a crazy neighborhood and half of the time our mailbox are left open by the carrier or broken into.This company have allowed someone to open an account in my name and now they wo n't remove the damage from my credit. I am in the process of repairing my credit and this have a negative impact on my credit. I asked that they send my proof that it was me that open this account because having my address is n't proof.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Consumer Financial Protection Bureau, I am writing to formally address concerns arising from my recent hiring experience with Bank of America, which has resulted in significant frustration, financial hardship, and loss of valuable time. 

Background : I recently applied for a XXXX XXXX XXXX position with Bank of America through an external agency. After receiving positive feedback on my interview, I accepted an offer and began the on-boarding process. However, I was unexpectedly informed that my on-boarding could not proceed due to an internal red flag associated with the closure of my previous Bank of America accounts . Issue Description : My wife and I held checking accounts with Bank of America for ov
er two decades. Several years ago, these accounts were closed without explanation, and despite our repeated requests, Bank of America provided no reason, citing internal policy. Recently, during my on-boarding, I was informed that this previous account closure led to a hiring decision to rescind my offer, as my social security number was flagged in their internal system.

Impact and Resolution Sought : Based on the positive feedback and the signed contract, I left my previous position to prioritize this opportunity. The abrupt rescinding of the offer has now left me without employment, resulting in financial strain and a substantial loss of time invested in the hiring process.

The most troubling aspect of this experience has been Bank of Americas refusal to provide clarity on why my accounts were closed, especially given the red-flag associated with my personal information in their records. I was a loyal customer of Bank of America, and I am now left facing career and financial repercussions due to what appears to be a procedural oversight. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-07-29
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: Army and Air Force Exchange Service (NV)

THIS HAS TO DO WITH " XXXX & XXXX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS ARMY/AIR FORCE EXCHANGE ON XXXX REPORT AND ON XXXX IT 'S LISTED UNDER MILITARY STAR SAME COMPANY. THEY SHOW THE ACCOUNT CLOSED SINCE XX/XX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX/XXXX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2016-05-13
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (FL)

On XXXX XXXX, 2016 I went over Western Union web site to place and order for money transfer from XXXX FL to XXXX, XXXX. The order was posted and payed with Credit Card. Few minutes later a received an email stating that my money transfer is on hold until I contact them by phone. I made the call and the CSR told me that I must send over a photo ID to be kept on file for future transactions and verify my identity, since there was another person with my same name who was banned from making transactions with this company and they wanted to verify I was not that person. Since I realized that I have to send this personal information overseas, actually CS for this company works from XXXX, I decided not to do so, I do n't feel comfortable sending personal sensitive information over no where. I request my transaction to be cancelled and have not charge my credit card or reverse the transaction and give back the money that has been charged to my credit card. The CSR told me that he ca n't do that until I send over the information requested ( photo ID overseas ) or write down a letter of explanation to be send over to them, basically with the same information I was trying to avoid to send. I tried to find a phone number in the USA where to call, since this XXXX overseas seems not to understand why I did n't want to send my ID to them or that I was afraid of Identity thief. I contacted them also by tweeter and the response was the same, to call back to XXXX in XXXX. I decided to go to a Western Union office, and the person that attend my request in person was very understandable and offer to help me with XXXX and called them. He was very surprised to hear back from them what I was already told him about what they asked me to do, since I can show my ID to him, and copy my information but never keep a hard copy of my ID. Actually, when I registered on line my account with Western Union, I gave all information requested. At the end, I made another transaction, in person with this kiosk, payed this time on cash and the person in XXXX was able to cash out the money. So, my question, why is my money keep hosted? Since I was able to make this other transaction in person, why they still refuse to reverse the original transaction? I went over my credit card CSR and dispute this transaction in not receiving the service requested basis. I felt discriminated and alienated. My name is very common, but I do n't think that is reason enough to hold back a service, condition me because of my name, being stereotyped by my ethnic origin or place of birth. How many XXXX XXXX has the same problem?
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ME)

On XX/XX/XXXX I learned that Equifax mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the local newspaper. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2023-06-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Santander Consumer Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX. 

To whom it may concern this letter is regarding the account listed above, which you claim is a collection that i have with your company. 
I am requesting validation made pursuant to the fair credit act non compliance please remove from my credit. 
I demand proof that the repossession of the subject vehiclewas legal in accordance with the following UCC : 9-506 effect of errors or omissions- not received 9-611 notification before disposition of collateral- not received 9-612 timeliness of notification before disposition of collateral-not received 9-613 contents and form of notification before disposiion -not received 9-616 explanation of calculation of surplus of deficiency - not received you are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle ( ucc9-627 ) If no such is provided withn 16 days of the receipts defiency will be considered null and void. 
According to the fair credit act section 611 ( 5 ) ( A ) you are required to promptly deleteall information that is inaccurate, incomplete, which can not be verified
Consumer complaint received 2015-12-17
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dyck-O'Neal, Inc. (GA)

First : I have XXXX complaints about this collector ( XXXX XXXX ; phone : XXXX XXXX XXXX XXXX ). I do not owe this person anything at all AND his desperate attempt to reach me by phone is frightening. So, I live in XXXX and on the morning of XXXX XXXX, 2015, while I was talking on my land-line phone with my sister who lives in XXXX, I received a call from the office of XXXX XXXX. I saw the company name through caller-ID. I did not answer the call. 

About 5-10 minutes later, my sister ( who lives in XXXX ) receives a call and she assumed it was a family she had been XXXX. She placed me on hold and answered the call. In a few minutes, she returned to me and told me that someone named " XXXX XXXX '' had called and sternly asked for " ME '' by name. She told the person that I did not live there, but I was her sister and what did they want? She said the person immediately disconnected the call. Now ... .I DO NOT RECALL EVER, EVER VERBALLY COMMUNICATED WITH THIS DEBT COLLECTOR AT ALL ... ..NEVER. So, there is no way they would have access to my sister 's phone number and I have never, ever used her name for any ; absolutely any form of business. So, how did they get her phone number? And if they have been calling my phone number over time, what would lead them to call a different number? How did they get my sister 's phone number? 

So, my concern is : somehow, this company was able to tap into my sister 's land-line phone while we were on the phone at the time of their call. I do n't lknow how they did it, but this truly happened and they should not be allowed to get away with it. They clearly had a way to do that which is invasion of privacy and by doing so, exposed a personal issue of mine to my family member, who had no prior knowledge. 

I am offended ; I feel violated and I am fed up with the constant harrassment I have been receiving from this company. They should not have a right to do this to anyone ; even if they did owe them money. 

Please help me understand this.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dyck-O'Neal, Inc. (PA)

my house was set for a deed in lieu. The mortgage company asked the judge to cancel the foreclosure but the motion was denied. The house was foreclosed on. I cooperated fully with XXXX XXXX and vacated the home as agreed. 
I recently got a letter in the mail from Dyck-'Oneal Inc. stating that they were assigned this debt from XXXX XXXX and that I owed {$44000.00}. They reported to XXXX and XXXX already. I was never given any details on this amount other than them listing XXXX XXXX as the original creditor, no account number was listed. I have not had a XXXX mortgage for over 10 years. I have sent them a request for validation according to the Fair Credit Reporting Act. It is a violation for them to automatically place this item on my credit report without any documentation or proof. These are the items I am requesting : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Identify the original creditor and loan number Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legally entitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) Copy of the original signed loan agreement. ( My contract with the original creditor establishing the debt between us. )