davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Universal Fidelity LP (FL)

I just received a phone call from someone claiming to be with Universal Fidelity. 

At first there was an automated machine that thanked me for calling. They called me. Whatever their matter was, they considered it important enough to interrupt my day. To me, the interruption is important enough for them to have their IT department get that right. 

Eventually, I was transferred to a representative who merely informed me that she was on a recorded line, she works for Universal Fidelity, and they have a " personal business matter '' that came across their desk '' ( or some wording to that effect ). 

She talked very fast - apparently in the hope that I would not slow her down and she could get right to the part where she would make her commission. She seemed disconcerted and off-script when I asked her questions to make sure I understood what she said. 

I had to ask what this was about and what Fidelity Universal is. Only upon questioning did she inform me that XXXX is a debt collection agency. 

I asked her : How do I know she is who she says she is. 

She provided no way to verify herself, but asked several times for me to verify myself. 

We are told, often, in this day and age of terrorists and heightened security NOT to give out information about ourselves to people we do not know. 

Online, we are warned about scammers. 

I asked her to verify herself, and she could not. Instead, she said they would send me a letter and wished me a good day. 

She did not talk about the content of the letter, but from her tone it sounded threatening, like an escalation of this matter for legal purposes. I assume that private debt collection companies share their recorded calls with you, and you can listen for yourself. 

Only after her continued engagement with me on the phone did I have time to look up UFLP on XXXX. I found a very professional website. Of course, that does not mean it is who it says it is. Media reports the Federal government is aware of a XXXX XXXX building whose sole purpose is to confuse and scam and subvert the internet, in part by creating websites that are exact duplicates of legitimate websites and getting unsuspecting Americans to provide their information on fake webforms. 

In the section above, I put " Threatened to take legal action. '' I do n't know if that is what this was - but it was the only choice that seemed to fit this situation.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

A collection under my name is reflecting my credit report bureua, impacting my report negatively. 
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case. 
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine. 
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me. 
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me. 
This collection is really affecting my chances to buy a property, and i will appreciate your help.
Consumer complaint received 2015-06-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Risecredit, LLC (WI)

Rise Credit, which is the company I acquired this loan from has been harassing me for almost three weeks now. I took out a small loan of $XXXX, after the interest the total payoff is almost $XXXX
I have only missed XXXX payment, after almost XXXX on time payments and ever since the missed payment they have been calling me non stop, almost XXXX times a day between my personal phone and work phone, which they were told they are not allowed to call.
My work has logs of the number calling, they call about XXXX an hour and when we pick up they don't say anything and hang up.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank continues to charge overdraft fees to my account and yet their balance does not reflect my being in the negative on my account ... I am aware that I have overdrafts before and i have paid those up ... but it seems now every time I make a deposit now I am getting charged these fees like they have somehow flagged my account as " get this XXXX '' ... .when you speak to them they give some Mumbo jumbo about how the bank statement does not reflect the deposits and negative balance always ... .so wait you mean to tell me they as a bank ca n't even keep track properly
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Strategic Alliances, Inc. (CA)

Good Afternoon, I am a US military service member, and a responsible citizen with a clean and well standing credit record. 
I was contacted by " FIRST FINANCIAL ASSET MANAGEMENT '' ( XXXX ) a Debt Collection agency. They contacted me to collect on a Fraudulent account, that was opened in my name in 2005, they threatened to blemish my credit profile and even attempted to " SETTLE '' the account. they have illegally purchased my personal information and identity from another debt collector or illegitimate source.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc (CA)

XX/XX/year> My brother ach transfer to my account to amount of {$10000.00}. 

My checking account is chime As known as XXXX XXXX XXXX XXXX 

Today is XX/XX/year> and haven't received money. 

I called chime XX/XX/year> and they said don't see any transfer money
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX  veteran who is XXXX   XXXX  the list is from XXXX  XX/XX/2018 COAF XX/XX/18 COAF XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX   XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XX/XX/18 XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX  XX/XX/18 AND XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX  list XXXX XXXX XXXX XXXX  XX/XX/18 XXXX XXXX XXXX  XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX   XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (TX)

I, have been getting notices from Dynamic Recorvery Solutions, LLC saying that I owe XXXX XXXX Dollars. Aparently when I have spoken to this company back in XX/XX/XXXX, This was a loan amount from XX/XX/XXXX. However, I never used XXXX for a loans. I have asked this company to stop contacting me on this matter, and I have spoken to XXXX. And was told by XXXX that this matter have been resolved. I spoke to XXXX Regional Offices.
Consumer complaint received 2016-09-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Prosper Marketplace, Inc. (NE)

The initial TILA docs showed a due date of approximately 45 days from the time I initiated the loan without revealing the actual due date is 30 days from the time the loan is closed. The final TILA docs show my due date of the XXXX of each month which caught me by surprise. The company refuses to change a due date to reflect the due date originally provided to me via the original TILA docs. I called the company and the representative stated that the original TILA shows 1 month and 14 days to allow for closing times. The TILA does not show the time frame otherwise that the first payment is 30 days from closing date. The company tells me I have 14 days from due date to avoid late fees. This is unacceptable to me as is not the due date I expected from the original TILA documents. This is an unfair and deceptive lending practice.
Consumer complaint received 2016-05-12
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Advance America, Cash Advance Centers, Inc. (TX)

Advance America autodials my number and leaves a message each day. There are also several different numbers being used to autodial my number ( some from XXXX, XXXX, XXXX, XXXX, XXXX and some others ). I have had XXXX different collection companies call stating they represent Advance America and would be serving me on my job ( they left a message with the office assistant stating this information and our calls are recorded since it is a school ). However, once I contacted an attorney, the company blocked my number and then it was sold to another company. Now the new company calls from so many different numbers that it is getting to be at a level of harassment. I have over 60 calls from Advance America or a company representing Advance America and I have the screenshots and voicemails to prove the calls were autodialed. I asked them to only contact me through email or physical mail, but I receive calls daily and sometimes multiple calls in one day.
Consumer complaint received 2024-09-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: GRIFFIN FUNDING, INC. (VA)

On XX/XX/year>, I spoke to XXXX XXXX about a bank statement loan to purchase a home in VA XXXX. He represented to me his company will be able to help and once I submitted my application, he will review and get back to me in a day. I was also told that XXXX XXXX would work over the weekend usually. I submitted the application at XXXX EST on XX/XX/year> and followed up with XXXX XXXX XXXX emails 4-5 times, texts and phone calls over the past week. However, I received no response and no one picked up the phone.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

USAA FEDERAL SAVINGS BANK. NOW I spoke to them for the very first time back in XX/XX/XXXX regarding several accounts that were open in my name and my own children 's name that I know I did n't authorize to open. They stated back then that it is me I gave the authorization to open the accounts and that all the accounts were negative and I would have to pay the money in order to stay out of the collections department. I told them that this id ID fraud and I did n't authorize you to open these accounts and especially the ones for my children this is ridiculous. They made me pay and later I found out that my parents were the ones that opened the account but I did n't know. I called them back and they said the accounts were closed due to fraud and you can no longer have an account with us. Now on XX/XX/XXXX I called Early Warning Service to get my yearly consumer report and they stated that USAA Bank reported me as suspected fraud on Early Warning Systems and I am on the report for 7 years. What in the XXXX is going on now. How and why was I reported to this service and why.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX RUINING MY LIFE. THEY ALLOWED SOMEONE TO OPEN UP ACCOUNTS WITHOUT MY CONSENT. THIS IS NOT FAIR. I WOULDVE NEVER OPENED A XXXX XXXX ACCOUNT. THEY NEED TO DO BETTER DUE DILIGENCE. THEY CANT ALLOW PEOPLE TO OPEN FRAUDULENT ACCOUNTS IN OTHER PEOPLES NAME TO RUIN THEIR LIVES. I HAVE NEVER HEARD OF KICKOFF. I DONTKNOW WHAT THEY EVEN SELL. IVE NEVER EVEN HEARD OF KICKOFF. PLEASE INVESTIAGTE AND REMOVE THESE FRAUUDLENT ACCOUNTS.
Consumer complaint received 2018-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (CA)

Hello I bank with US bank. 
Lately was scammed through a resale site to transfer money for merchandise. I never got the merchandise and the individual used XXXX through US bank to collect money from me. 
I had never heard of XXXX and I trusted it because it appears on my US bank home menue. 
After complaining, US bank is not doing anything to protect me as a client and neither they have any warning or disclosures stated upon opening XXXX feature to only use this feature to send money to friends and family. Anyone automatically can trust this for the bank to stay behind any complains and disputes down the line. 
I further noticed that XXXX is not even yet affiliated with Consumer Financial Protection Bureau which makes it even worse to appear right along major banks and making it ok with out any disclaimer to transfer money. 
US bank should either remove these unknown features for money transfer or make it very clear as how they operate individually with out banks interference, in case of future disputes and issues. 
I am asking from the bank to take responsibility and issue me {$250.00} refund and also pay closer attention to making it clear for their customers about this.
Consumer complaint received 2018-09-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Eagle Home Mortgage, LLC (NC)

We started the home buying process with Eagle Home mortgage in XX/XX/XXXX. 
Throughout the loan process what we found surprising as first time home buyers was the lack of responsiveness and customer service to our questions or concerns. In fact, this behavior continued until days before closing in XX/XX/XXXX when we had to reach out to our Loan Officer by phone after a number of attempts to learn that our interest rate had yet been locked in! This was rather upsetting as we had many months to discuss and lock in a much lower rate. As first time home buyers we had an expectation that Eagle would have our best interest in mind, however it very much felt like we were just a number. 

During closing we were informed that our first mortgage payment would be due in XXXX and we were prepared to make this payment. In addition to this we were told we would be contacted by the mortgage company to whom we should make payments as it is common for the loans to be sold rather quickly. Come end of XXXX we still did not hear anything. So we reached out our loan officer to assist us as we did not want to miss this payment. However, there was absolutely no response to the voicemail left. Furthermore, we contacted the legal office for guidance to direct us to whom we should be submitting payments, yet this individual had no information other than to tell us that we will be contacted soon by whomever we should make payments to as it is normal for the loans to be sold. Days later we were contacted by XXXX XXXX who informed us that our loan was sold on XX/XX/XXXX and their records indicate that our first payment is not due until XXXX. We accepted this information as true considering we had recently been in contact with Eagle, and we  were contacted directly by the new mortgage company. 

After this experience, it was not until late XXXX that we received a letter in the mail from Eagle Mortgage informing us that although our loan was sold XX/XX/XXXX, we still owe them for the month of XXXX and had missed our first payment. This communication was unacceptably delayed considering our early contact efforts in XXXX to make sure we were doing everything right. 

In all, Eagle Mortgage continues to demonstrate a lack of responsiveness and does not take full accountability for how their delayed communications impact their customers.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (DC)

I am a victim of identity theft. Someone, using my name, requested a credit card from XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX XXXX ) and made several purchases at XXXX XXXX XXXX in Texas. 

I asked XXXX XXXX to close the unauthorized account No. XXXX, falsely opened using my name and to take steps to remove the information about this account from my credit score files. To date I have not received written response from XXXX XXXX. 

I have opened an FTC Identity Theft Report, send letters to the retailer ( XXXX XXXX XXXX ) and asked XXXX and XXXX to stop reporting this fraudulent information and delete the disputed item in my report.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (CA)

I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (GA)

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Consumer complaint received 2018-08-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (OH)

Car was purchased from XXXX XXXX it was originally XXXX and was then sold to XXXX XXXX XXXX. The account is over 7 years old but company is using the date it was sold and not the original date. XXXX deleted the account however XXXX and XXXX after repeated attempts including giving the documented proof they refuse to remove the account.