davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Hi yes this company called me a few months a go repeatedly and harrassed me about a debt that's has been discharged off my credit a year ago due to identity theft and it was removed. This company Enhanced Recovery has now since the call and I informed them of this matter and the guy I talked to I can't remember his name insisted that this was my account and if I didnt take care of it they was going to send it the credit Bureau and I told them if they do i will report them and it was illegal to access or send fraudulent stuff to my credit file and impact my credit. They took matters in they own hands and reported this to my credit file which has impacted my score dramatically and this has caused a very drastic change to my score and my lively hood in which I stated and told them this was a fraudulent account that has been filed as identity theft and removed a year ago. The agent was very rude and disrespectful and said oh it's going on your credit report. This is very frustrating and how can these illegal tactics by these so call recovery companies be used to ruin people 's lives. Then it shows I opened this account up in XXXX XXXX which is a violation especially when this matter has been taken care of a year ago.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I added authorized users to my account. I XXXX a XXXX that XXXX XXXX XXXX XXXX XXXX. We are currently working in California XXXX XXXX XXXX. I added 6 of my trusted XXXX  to my Capital One ( Venture One ) credit card. On XXXX I received all six cards in the mail. Then on XXXX I received a letter from capital One stating they had closed my account. On XXXX I called the credit card company and after speaking to 3 different people got the supposed top level customer service rep. She told me my account was closed due to violating my agreement with Capital One and adding to many authorized users. I know for a fact this is not right because my wife who has her own separate venture one account just recently added 8 of our employees to her account and only had to send extra verification to have them excepted. The lady told me there was nothing she could do to reopen the account and since the account was closed all my venture  points that I had been saving for an upcoming trip would be lost. Not only that a closer of a credit card has a negative impact on my credit score. I have never been late on a payment and pay off the whole balance every month. They never one time before the letter stating they had closed my account ever once tried notifying me that there was a red flag by adding the authorized users. They have my email and phone number. I have done absolutely nothing wrong except be a good customer and now Ive have my account closed my points stolen and my credit effected!!!
Consumer complaint received 2020-10-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mortgage company Mr. Cooper has had my loan ready to close since XX/XX/2020 as of today XX/XX/XXXX they have come up with one excuse or another as to why it did not close if you consider the {$240.00} I was going to say per month this is already cost me over {$1000.00} they are very inapt company the loan officer XXXX XXXX does not respond to my emails Their customer service is horrible on his and his managers behalf totally unprofessional
Consumer complaint received 2018-08-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (KS)

On or about XX/XX/XXXX, I contacted Speedy Cash in person to withdraw any consent to have payments automatically deducted for a Title Loan. I was told that action was taken to stop automatic deductions. This was done at the Speedy Cash location at XXXX and XXXX in XXXX, KS. On or about XX/XX/XXXX, I contacted Speedy Cash to ask for an extension of payment on my Title Loan.  The request was granted and given a date of XX/XX/XXXX. Today, on XX/XX/XXXX, I went to Speedy Cash at XXXX and XXXX to pay off my Payday Loan and Title Loan. I was told that Speedy Cash attempted to withdraw funds from my bank account, without my permission, and that they had put a block on my debit card and I could not pay. These people are already taking advantage of the poor in America. Why are they still allowed to operate under such unscrupulous activities?
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (AZ)

On XX/XX/XXXX at XXXX ( AZ Time ) I received a call from " XXXX '' at The CBE Group , Inc. She told me that I owed them {$1800.00} and it has been placed in collections. XXXX informed me that this debt was delinquent XX/XX/XXXX and that they received the account in XXXX XXXX said this was a debt that was owed to XXXX for medical expenses. I explained that I have had XXXX a number of years and never once was contacted about this debt. I asked when the debt incurred and she was unable to give me information. I asked them to provide proof of debt and they said they did not have any in their possession. I informed XXXX that I have a XXXX XXXX XXXX and this debt did not show up on my records, ever and it would have shown if it was valid. XXXX said that my wages would be garnished if I did not make arrangements for this debt to be paid. They are not the holders of the debt and are a 3rd party attempting to collect on behalf of someone else ( they did not know who the debt originated from ). No correspondence was ever sent to me in regards to owing money to anyone and all my XXXX accounts show that there is a {$0.00} balance. XXXX then stated that when it comes time for my re-investigation for my XXXX that it would cause issues and I might not clear the background. This is harassing behavior and I have asked they not contact me further. They are not attempting to collect an actual debt and hold no proof of money owed and denied being able to provide me with more information than the amount owed and the address they have on file for me. They have no bearing on collection of this supposive debt and are attempting to collect money that is not owed. I then spoke with Supervisor XXXX, and he said that since I am a XXXX XXXX it would cause issues for me, but once again could not provide me with any information about the money owed, when it occurred, the company its associated with, or more than the amount owed. The CBE Group, Inc.has had numerous lawsuits filed against them for this type of behavior and you would think they would learn it's unacceptable to instill fear into someone based on their employment.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE (NY)

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to XXXX, XXXX  and XXXX  any help here would be greatly appreciate.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My credit report shows inaccurate information. An account on my credit report has been re-aged XXXX XXXX  XXXX XXXX XXXX which is a very serious violation of the Fair Credit Reporting Act. I have a proof showing that. I have sent a letter to Experian on XXXX XXXX via USPS certified mail with return receipt requested. Experian signed the receipt on XX/XX/2020. Today 's date is XXXX XXXX more than 2 months after I have sent out that letter ( 66 days to be exact ) and Experian has still not replied to me and keeps reporting this inaccurate account to my credit report. In addition of being re-aged the XXXX  XXXX XXXX account shows others inaccuracies such as incorrect high balance, incorrect credit limit and incorrect payment history. How can I be late and on time at the same time? how is this even possible? It is obvious that the XXXX  XXXX XXXX account is inaccurate. Experian had more than 60 days to investigate but it has not done anything. I have attached to this statement the usps returned receipt signed by experian on XXXX XXXX and a copy of my credit report showing the inaccuracies on the XXXX  XXXX XXXX account
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

This was a credit account with Chase that I had for 15 years. The card recently had a XXXX  balance. I did not use the card for some time and I come to find out that they closed the account without any notice to me whatsoever. 

Given the long-term implications of credit account closure on an individual 's credit rating, doing this to a customer with no notice and no option to intervene is completely inappropriate and in fact, punitive. I will have to deal with the impact of Chase 's decision on my credit report for nearly a decade and I've done nothing wrong.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AL)

Used paypal credit to puchase item from XXXX Online. Item was returned to XXXX ( XXXX XXXX ) with receipt. Papal refuses to credit the amount back to the account and directs me to Synchrony Bank. Synchrony Bank redirects me to Paypal and XXXX ... XXXX has issued the credit receipt that the item was returned but Paypal refuses to credit the account. No one wants to refund me the money despite I have a receipt stating the money was sent to PAYPAL.
Consumer complaint received 2020-10-26
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)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-26
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. (CA)

I notified Equifax on several occasions that their are several errors, inconsistencies, and FCRA violations on my credit report. I made it clear in my dispute letter that I did not consent to EOSCAR yet Equifax used it to process my dispute. 

Equifax did not investigate the errors or delete the inaccurate accounts due to FCRA violations. They are obligated to conduct an investigation ; however, they did not due so and are in direct violation of their requirements under the FCRA. 

They responded to my dispute indicating the accounts were verified ; however, if they would have reviewed my dispute and supporting documentation provided, it would be clear that the account could not possibly have been verified because all 3 credit bureaus are reporting different information for the same accounts. 

To add insult to injury, in XXXX of XX/XX/XXXX for 3 out of 7 of the disputed accounts, the creditor notified and reported to the credit bureau that there was a XXXX balance. 1 week later ( XX/XX/2020 ), after closing my dispute, the credit bureau added the balance back to the accounts stating the information is verified. The balance date reflected in my updated report shows the balance is as of XX/XX/2020. This means the credit bureau is not reporting the creditor update provided in XXXX and therefore is knowingly reporting inaccurate information. 

As of XX/XX/2020 Equifax is still reporting inaccurate information and despite my attempts to dispute, Equifax is not removing or correctly the inaccurate information. This is a direct violation under FCRA.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information US BKPT CT TX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Consumer complaint received 2020-06-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OK)

On XX/XX/XXXX I called " Specialized Loan Services '' and told them I could not pay the scheduled payment on XX/XX/XXXX. At that time I was given a '' Forbearance ''. What I thought was that SLS would not take that scheduled payment, but they did! This has caused me undo hardship. It was money SLS just indorsed for damage to my roof.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (OK)

In XX/XX/2019 we opened a Chase credit card in connection with our XXXX account. Afterward we received several statements and promptly paid them in full. After those statements we received no additional statements. Several weeks ago, we received a call from Client Services indicating we had a balance of XXXX, and they wanted payment. We had no idea we had an unpaid balance because we were not receiving a bill. After some investigating, we discovered Chase was sending the bill to XXXX XXXX XXXX instead of XXXX XXXX XXXX. Apparently, there was a typo on our application of which we were unaware. We dont know how we received the two bills we got early on, perhaps a kind postman or neighbor. 
We paid Client services in full. Since we got no phone calls or emails from Chase indicating there was a problem, and our credit rating is impeccable I asked Chase to correct their reporting to credit bureaus After several requests they refused saying such contact was not required, only a courtesy. With a modicum of effort, they could have gotten a correct address for us and could have contacted us by email or phone. This conduct clearly is a violation of fair business ethics and credit reporting rules. We want two corrective actions : reversal of report to credit bureaus and refund of any late charges and penalties.
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I had my unemployment direct deposited into my paypal account and they locked my account and said I can no longer use paypal due to some fraud that happened years before and they have had my money held up since XXXX and give me no way to get it or resolve the issue its been since XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

Back on XX/XX/XXXX I sent a letter to the credit agencies requesting verification of any documents bearing my signature. As of XX/XX/XXXX I have not heard anything from the creditor or the credit agencies about this account. I have not received any documentation bearing my signature. Please I would like help with this matter.
Consumer complaint received 2018-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MS)

I borrowed money to pay for my XXXX XXXX  Degree and graduated in XX/XX/2009. I began paying on said loan at that time and have since. My balance still shows that I owe the same amount that I owed back in XX/XX/2009. Navient is the managing entity and always has been. Once - I was placed on payment deferment without my request or permission just because I was taking a class to advance my employment that I was paying for myself. I wish to know what my rights are and what actions I can take.
Consumer complaint received 2021-01-15
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. (GA)

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I put 2 money orders in my bank for a total of {$1600.00} via teller. They put a hold on the account saying that {$850.00} would be available the next day and the rest on Monday. That same night they put another hold on my account for the entire amount saying that the money wouldnt be available until XX/XX/31. I told the bank that I paid for the money order with my own funds and that nobody elses name was on it other than mine and that it shouldnt take 2 weeks to verify that. I told the bank that that money is to pay for my new apartment and that Id be homeless if I didnt have the money before XX/XX/31. The bank still is holding my money and now says the funds wont be available until XXXX
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Mediation Service (PA)

XX/XX/20 - Received a phone call from number XXXX The woman, XXXX she said her name was, was extremely aggressive almost angry. She said I owed {$300.00} that was overdue and she needed it immediately. TODAY. She referenced her legal department and said I only had that call to make it right before she sent it to legal then onto my credit report. I asked if she was a debt collector and she said no. I asked if the company she was with, Southwest Mediation of Nevada was a debt collector. She said no. I asked who the original creditor was and she said it was XXXX XXXX XXXX XXXX XXXX  XXXX. She told me I had ordered magazines and did not pay for them. She threatened me, saying she had my voice recorded ordering these magazines and that they were going to sue me right away. My account number with them is XXXX. I was very shook up after the call, I was scared and reached out to our family lawyer. He suggested making a formal complaint here. He also suggested I call the original creditor. 

I called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX They claimed to have sold this debt to Southwest Mediation and that they had sold me magazines and shipped them to XXXX XXXX XXXX in XXXX, Ohio. I have never been to Ohio, I have never lived in Ohio. This is a fraudulent account that they created with apparently my credit card number and voice verification. I checked all my cards and this company is nowhere to be found. I never paid them or initiated an account. I have never spoken to this company. They said there was nothing they could do because they sold the debt to Southwest Mediation and were out of the deal now and that I was on my own. I will also be making a separate claim here against them. 

This is fraud and they are unresponsive to my requests to provide information on the account. Both companies are rude, aggressive and intolerable. Something shady is going on here. Can you please help me?
Consumer complaint received 2020-06-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX. Company Inquiries : 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, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.