davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Evergreen Financial Services Inc. (WA)

I have faithfully been making {$100.00} payments every month to Evergreen Financial Services Without a missed payment. I received an e-mail from XXXX accounting on XXXX that Evergreen Financial sent them garnishment papers ( I never was informed prior ) and my checks will begin being garnished on week ending XXXX. As I was at work : I had my wife call them XXXX  and we made Another payment of {$210.00} on XXXXXXXX  and we thought everything was good per their ( XXXX  ) employee. My wife requested a breakdown of what we supposedly still owe from past medical bills as we have been paying {$100.00} a month for approx. a year ( They said, We do not have to provide/send that ). A day or so after asking Evergreen for a breakdown of owed bills ; My credit report took a hit for No Reason and Stated the XXXX just sent me to collections for past medical debts of {$2400.00}! I have never received a letter prior to being sent to collections ( which damaged my credit from Good to Fair Now )! I never received a letter prior to being sued and I Never received a letter or call about Garnishing my checks! They constantly harass myself and my wife even though I have been faithfully paying them {$100.00} every month before the end of the month and I have bank statements showing the {$100.00} withdrawals every month to Evergreen and bank notes on the {$210.00} I just paid on XXXX ; XXXX  then sent me to Collections to damage my credit a day or so after speaking with my wife and making the {$210.00} payment! This is XXXX XXXX XXXX and Evergreen will do everything they can to Ruin Peoples lives that have worked so hard To Fix their credit from past debts!!!!
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a scam victim. I was using a website called XXXX to purchase a second hand XXXX device, the seller is the scammer I encountered. When I try to pay over the XXXX  app official method. The app had a very confusing error message when I made the payment saying something went wrong, please contact support. The support contacted me later saying the sellers account have some issues and I will not be able to purchase until the issue is resolved, but can not tell me what is the issue or why. This reply confused me into thinking the XXXX  system was broken instead of being alerted about a possible scammer, later the scammer sent me a text message saying if the app does not support transaction, we should do it other ways. So I used XXXX through Chase bank app to send XXXX XXXX  to the scammer after he sent me a fake Photoshopped receipt of XXXX  shipping receipt. Right after I find out the receipt is fake, I immediately contacted Chase bank to report the scam but they said they can not do anything about this and recovering of the money. It is hard to believe even you take action immediately after being scammed and the money transaction is pending, you can not do anything about the scam. There seems to be a extremely lack of consumer protection regarding the issue of scam. Bank can not take action for scammed payment, XXXX can not take action for scammed payment, there isnt a proper monitoring system on the platform of XXXX that regulates potential scammers or alerts the customer. So a customer like me getting scammed have no way to recover money or the pain. Extremely disappointing for the system and the outcome.
Consumer complaint received 2024-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Mr. Cooper mortgage paid my hazard insurance in the amount of XXXX twice. This was an error, as it should have only been paid once. I realized their error and have called them numerous times, been hung up on, promises were made and yet nothing has been done. They incorrectly applied the amount to an old loan number rather than the new number for which the amount should have been credited. I have spoken to them on at least 3 occasions, last time was last week and they assured me the amount would be transferred over from the wrong account number to the correct account number, but it hasn't been done. You can't get anyone on the phone and if you finally do, they are incompetent and lie and then hang up on you. I need help getting this resolved. I intend to take this to the Attorney General of the United States if I don't get resolution from you.
Consumer complaint received 2024-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (FL)

I am writing to request validation of the debt referenced in your recent communication According to the Fair Debt Collection Practices Act, I am entitled to request verification of the debt you claim I owe. 

Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any additional information that verifies the debt 's validity. 
Please consider this letter a formal request to cease collection efforts until the debt is validated. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-09-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MoneyLion Inc. (IN)

I had never heard of MoneyLion until I got a call from my credit unions fraud department ( it was not from my credit union ). An account was created with my information and it can not be deleted. I attempted calling and there is no option to report fraud or talk to an agent. Sent a text as their contact page suggests and still nothing. My XXXX was helpful in that they are changing all of my account numbers, but silence from MoneyLion.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have checked a message from the occ about looking into the matter and checking it's reply, made a FDIC check and got a reply of approved bank Finacial establishment, had complaint of the bank in a civil matter XXXX am eRecording back with a attachment with a statement of civil penalty
Consumer complaint received 2024-08-06
Product: Credit reporting 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: EQUIFAX, INC. (NJ)

I placed an order for my Credit Report through XXXX site on XX/XX/XXXX for all the Credit Reporting companies. I got the reports for XXXX and XXXX, but I was told to request the report from Equifax by mail. I sent the request for Equifax by mail and was told I will receive the report within XXXX. I mailed the completed form to the address provided by XXXX, but until the time of my writing, I have not receive the report from Equifax. This was exactly what happened when I requested the report in XX/XX/XXXX. I was not bothered then because I got the reports from the other XXXX companies, except Equifax. I need the report urgently because I believe I am a victim of ID theft. I recently received a refund check from a company which I did not buy anything from. I also received a notification from a car dealership which I did not visit.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (CA)

I did a refi installment loan in XXXX of 2022. Although I made double payments and an extra payment, I was charged a {$30.00} late fee and NSF of {$10.00}. I called in to question and was told a bunch of lies. The rep claimed I was late over 2 years ago, and they now want to charge me a late. She claimed that I was charged lates previously and this is not reflecting on their portal. It is very shady and deceptive to hide fees and show payments and how it is applied with interest paid down or accrued.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (MD)

During the week of XX/XX/XXXX, I called and requested that we come up with a settlement offer so that I can close the account. I was initially given 20 % which I declined because that was a low offer. 

On XX/XX/XXXX, I called back because I hadn't heard anything only to be told, they denied it for no reason and gave a me a counter offer of XXXX. While initially I denied it, I chose to accept the offer in efforts to close this account and move on timely. This offer was approved by the manager I spoke with over the phone. When I asked for some sort of documentation, he said it was coming in less than 72 hours. 

It is now XX/XX/XXXX, more than 72 hours later, and I have not gotten any information. In my attempts to call, I am only given the same information over and over with no solution to move things forward. 

I have the {$21000.00} ready, and want to close this account, but they have now started to ignore my please to move forward. Meanwhile, interest is continuing to accrue on the account and while the sell price before I started this was XXXX, its now more than {$25000.00}. Which is an entire car payment! I want out of this company 's reach and I am doing everything I can to rectify this situation and they are not giving me any information or allowing me to move on.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In 2012, a money order that I sent as payment to Toyota financial services was stolen by a XXXX XXXX  with the name on the money order listed as " XXXX XXXX ''. It is possible that this person worked for TFS but I'm not able to confirm that without cooperation from TFS. TFS has numerous complaints of fraud against this and at the time I had my car it was nearly impossible to clear communicate with TFS either due to a language barrier or because the customer service team was completely unprofessional, hanging up on me and doing things that were completely out of line for standard customer service practices. When I checked my payments online, they all showed paid but in the middle of the night my car was repossessed and when I did finally get to speak to someone at TFS, they stated that I was missing a specific month even though I had made payments for months after the alleged missing month. I was not able to resolve this issue with TFS and I again believe that someone from their company may have stolen the money and/or cashed it with XXXX XXXX XXXX who allowed someone to fraudulently forge over the money order that I have the receipt to. At the time I worked trade shows and events and when I went to pick up my belongings almost all of them had be stolen. There was a class action against Toyota Financial Services and I believe I should've been part of it but I never received a notice but I happen to find it online. I'm seeking damages in the amount of {$40000.00}.
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (PA)

They refuse to provide their XXXX  discharge forgiveness form, then said it did not exist. They cant give me an accurate accounting or status of my loan which Ive been trying to get confirmation of the balance for years - Ive never taken private loans - all loans were direct loans that were consolidated with Sallie and then when Sallie restructured my loans were recharcterized as XXXX loans. Ive moved, had joblessness, periods of illness and all kinds of issues over the years, when I got to a point to review my loans I had XXXX main issues. XXXX ) a tremendous amount of debt from XXXX  XXXX XXXX that mis represented their programs, services and costs, job programs etc XXXX ) that tremendous balance is higher than it should be which is to any or all of the following - loan transferred to XXXX servicers without clearing the balances - double charging, XXXX XXXX XXXX and costs were not clearly laid out and laid out in a way hard to follow - reps would not explain anything - in the past I have asked navient to confirm my balance and origination documents- they have only presented e-sign documents that I have never seen. Given that I was approved for defense to repayment by the dept of education Navient was supposed to discharge my loans. The project on predatory lending stated that due to being a XXXX consolidation loan Navient will forgive/discharge upon request of their form. After years of going in circles and waiting for XXXXXXXX XXXX XXXXXXXX I requested the form through Navient  on XX/XX/year> and as of today XX/XX/year> they say it doesnt exist. They cant give me any details or help me in any way. Their website says I have no payment due, they send me a bill showing I have a payment due - the balance has changed several times XXXX no explanation.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 

Please provide the info i request on attach, repond by CFPB portal get evidence
Consumer complaint received 2023-03-14
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/XXXX Capital One sent me an email saying they restricted my checking account due to it being overdrawn for more than 56 days. I contacted them on XX/XX/XXXX, to inform them that I had been out of work since XX/XX/XXXX due to medical reasons. I had been waiting for my state of DE tax return which was filed on XX/XX/XXXX to satisfy the {$44.00} overdraft. I have been with Capital One for over 10 years. There was not email or notice that came to warn of restriction. The representative advised that it was in my Terms and Conditions. The representative informed me that once I satisfied the balance, the account would be automatically closed within XXXX business days. I called Capital One back on XX/XX/XXXX to advise that the tax refund had finally hit the account and authorized them to move forward with closing the account and rolling the additional funds of {$1700.00} into my other Capital One checking account. I called them back on XX/XX/XXXX to inquire about the funds and was advised that they were still within the XXXX business days and to give them a couple of days to complete the closure. I called back on the XXXX and spoke with Management. She advised she was escalating the matter and emailing the back office to resolve the matter. I called back on the XXXX and Management advised that it was an additional XXXX business days because the closure request was resubmitted on XX/XX/XXXX due to the first closure request receiving an error code. I have called everyday since and I was told they had until the XXXX business day but the request was still open. I called this morning, XX/XX/XXXX, and was advised that the request failed again and they were going to need an additional XXXX business to resolve this matter. I advised that this is unacceptable and I wanted to speak to someone higher up. Management advised that it was at its highest level and my next step would be to write a letter and mail it to the office of the President at XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and they had XXXX days to respond. I will be mailing the letter today as well as filing this complaint.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OR)

I opened two credit accounts with PayPal in XXXX ; one for about {$7000.00} and another for {$2000.00}. Both were underwritten by Synchrony Bank. I paid my bills on time the entire time, however last month they lowered my limit by about {$2000.00} and {$700.00} respectively. This has increased my credit utilization and negatively affected my credit rating. It makes no sense given my history with them but looking online, I see there are many complaints about Synchrony doing this to others. I feel like theyre trying to extort their customers into paying off their accounts sooner. I find it appalling that banks can get away with such unscrupulous practices.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (PA)

Upon student loan. I was by the time a first time student at the college and was not aware at all that this money accepted by me was a student loan, instead thought mistakenly it was a FAFSA grant request needed to be accepted by my college portal. I would appreciate it if this issue can please get resolved as also I was never given this money also. Please and thank you!
Consumer complaint received 2024-09-25
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: Giggle Finance Inc. (MO)

I noted some inquiries on my XXXX report that i did not authorize. I reached out to XXXX on these inquiries and they requested me to contact the companies involved of which i did with no resolution. I reached out to XXXX again who requested that a file a complain with CFPB.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I was alerted to a data breach by a company I do business with. I tried to get into my Experian account to put a credit hold on my account. Apparently, Experian implemented two factor authentication and I have an old phone number on record, I can login with my user name and password but when they send me a security code I cant receive it because it is going to a number I no longer have. I have spent 2 days trying to talk to someone at Experian by phone and can not get through to a real person. I also have not been able to find a place I can Chat with them. My data has been exposed and I can not get ahold of Experian to put a hold on my account.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Did not do an investigation at all. My social security number was breached. All the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.

Consumer Reporting Agencies said they get their bankruptcy from the court. I have proof stating the courts doesn't provide this information so this is fraudulent information.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am banking with XXXX XXXX XXXX, this Credit Union merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.