davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc. (FL)

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section XXXX Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida XXXX XXXX XXXX
Consumer complaint received 2018-05-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (TX)

Hello, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I have not had XXXX, XXXX insurance since over a year, and a half. I am XXXX on XXXX after losing my career, losing my life with a fire in the home. I called the only doctor I knew XXXX XXXX for my XXXX, and they said on the recorded line I did not come this day ; there are no fees. All others have had there time to file with past insurance before, but all ways paid, once I switched insurance I had bills claiming money. This is unfair. I need to work move on. 13 young men are in jail now. I can not afford the insurance I use to have, and have another. I reported to the state with incident, case numbers as well. This is fraud and remove pls. My credit is great. This is fraud. Trans world Systems In XXXX. XXXX XXXX XXXX, DE XXXX {$33.00}
Consumer complaint received 2018-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Credit Management, Inc. (AR)

On or about XX/XX/2014 and Account was established or billed to me without my prior knowledge or consent. In addition, Access Credit Management who currently owns the debt has failed to provide any original application or documentation as per the Fair Debt Collection Practice Act, section 809. Also, the statue of limitations in the state of Arkansas for medical bills or debts is for 3 years, for contracts not in writing ( A.C.A. 16-56-105 ). 2 years from the date the service ( s ) was rendered for from the date in which the most partial payment was made ( A.C.A. 16-56-106. The time frame for both statues have been exceeded and puts Access Credit Management in Violation.
Consumer complaint received 2021-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NY)

Membership opened XX/XX/XXXX 13 Month contract ended XX/XX/XXXX never renewed contract or signed paperwork charged for XXXX XXXX {$19.00} I called the gym to ask how to cancel membership and given the direction of sending a letter of cancelation, was never told to send it certified sent letter regular mail stating canceling gym membership as of XX/XX/XXXX being charged XX/XX/XXXX plus annual member fee, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX for a grand total of {$290.00} did not receive any letters in mail or phone calls. only received collection mail in XX/XX/XXXX contacted gym said they couldn't assist me forward me to collection agency who repeated ask me for personal information
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

Upon receiving an updated copy of my Credit Report ( CR ) on XX/XX/XXXX, i noticed a negative item Public Record being report by all 3 Credit Bureaus ( CBs ) including : ( XXXX, Experian and XXXX  ). I wrote the Courthouse about the item being reported on XX/XX/XXXX respectfully requesting their reporting procedures to the CBs pertaining to said item Public Record under my name and SSN. On XX/XX/XXXX i received a letter in response to my inquiry from the Courthouse stating how they do not ever report any such information directly to any of the CBs including : ( XXXX, Experian and XXXX ). XX/XX/XXXX i began the dispute process sending letters to all the CBs reporting this item Public Record on my CR under my name and SSN. I requested proper and accurate verification as to what they are reporting regarding this matter, and if no information was provided to be true within 30days or resolved properly I politely requested to have this item Public Record removed from my CR permanently also on this date XX/XX/XXXX i placed a security freeze on my personal consumer profile held by XXXX XXXX and XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX regarding the Public Record item and their investigation results and in response to my dispute DELETED item from my credit report held by XXXX  XXXX. Now XX/XX/XXXX Experian responded with a letter claiming to have just UPDATED the item Public Record no change to report filing, including no verification letter from any source proving item Public Record being reported as to its correctness and accuracy. Today being XX/XX/XXXX I have yet to hear from XXXX regarding my dispute, its been over the 30 day timetable and newest CR does not show item Public Record in dispute listed. I have proof of signature for original dispute letter sent XX/XX/XXXX through certified mail receipt. I am hoping your involvement will help resolve this matter finally. Not knowing about this negative information for over 1yr has caused a very severe effect on my credit standing and ability to secure & qualify for a VA home loan. Thank you for your time and attention to my situation, sincerely a very hopeful future home owner.
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (OK)

FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (CA)

In XX/XX/2012 I took a loan out for {$2500.00} from XXXX. I later found out that they amount of the loan was in violation of Virginia Law and contested the debt. I made no payments past XX/XX/XXXX. 

I have received 3 calls from a woman stating her name is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX though I have been unable to obtain any information about this company. She is attempting to collect on a debt but has failed to identify herself as a debt collector 3 times. In addition, I was not living in Virginia when the loan was taken out but she states the new owner of the debt ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX # XXXX CPRC # XXXX is attempting to sue in that state though when I check to see if a suit has been filed none has. 

There are 2 issues then ; 1. The statute of limitations has passed ( I believe ) and 2. violation of the FDCPA ( 15 USC 1692d ( 6 ) ) failure to fully disclose and ( 15 USC 1692e ( 11 ) ) failure to divulge they are calling as a debt collector. Furthermore, XXXX XXXX stated XXXX is the " legal side '' rather than that they are a debt collector which is false and misleading, a violation of 15 U.S. Code 1692e ( A ), ( B ), ( 3 ), ( 10 ), ( 11 ) and ( 14 ).
Consumer complaint received 2018-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PENTAGON FEDERAL CREDIT UNION (GA)

This issue began last year,XX/XX/XXXX around this same time. I got into some financial troubles so fell behind on payments however each time I was contacted ( at this time only once per month ) I spoke with the rep and expressed my desire to NOT have the credit line closed and that I would make payments to catch up. Fast forward to XX/XX/XXXX, I made a {$300.00} payment towards a {$580.00} balance, it was only AFTER the payment was submitted and my credit report updated did that company then state the account was closed by consumer and they would not reopen, Ever since making that payment I have since been called on a DAILY BASIS! After SEVERAL requests to not be contacted and that I would cover the balance as soon as possible, They have since continued to call and recently started to contact my family members in regards to this account. They refused to remove the report stating I asked for the account to be closed which is a blatant lie, yet they continue to harass me day after day by leaving voicemails constantly.
Consumer complaint received 2018-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (OK)

i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount and between me and the creditor is the only form of validation, AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
Consumer complaint received 2018-05-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (FL)

Hello CFPB : My name is XXXX XXXX I am writing for advice on what I can do about a payday loan collection that I paid off. At least 5 yrs ago I had defaulted on an online payday loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX. I had paid one of the two acct off {$180.00} before the acct was transferred to a collection company named XXXX. My balance was {$710.00} which I had later paid off by XX/XX/2013. My last interaction with XXXX they tried to double dip for my last payment. Never heard from them again and cant get in touch for proof of paid debt bc no call back. My number is still the same XXXX and my address had been the same for at least 3yrs afterwards. Fast forward and I get a post to my credit report that I owe a collection acct totaling XXXX dollars to Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. They have my phone number, billing address, and job info but have never sent any paperwork or proof that I owe on this acct. Come to find out that this was probably an illegal transaction to begin with from XXXX XXXX. Now they are trying to double charge me.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

On XX/XX/21 I filed a dispute with cashapp ( square inc. ) that included approximately 81 transactions totalling approximately {$4700.00}. There were 2 different sites that made several withdrawals each on my account, XXXX XXXX XXXX and the other was XXXX. I was informed when I filed the dispute that I would receive an update within 10 business days. I spoke with customer support through the app to find out if there were any updates on a couple of different days. This is the only way you can communicate with cashapp. I have asked for a phone number or email to someone that can help me however I get the same response from all reps, " your case has been escalated " which must not mean anything. Today is XX/XX/21 and XX/XX/21 was the 10th business day and still I have not received any updates from cashapp ( Square Inc. ) When I went to support in the app I received the same response as any other time. Its been escalated. I very much appreciate any help you can offer me. My family and myself desperately need our money returned asap. Thank you
Consumer complaint received 2018-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I checked my credit report recently and noticed that my student loan balances are not going down. They are in fact going up, and this is after they changed my repayment plan, and increased my payment by over a {$100.00}. ( it has continued to increase since then ) I would expect my balances to get lower after that. I had to do a lot of juggling to work the increased payment into my budget. Here is the payment history for the last 24 months. 

You can see starting XX/XX/XXXX all my payments are going to interest. This company is ripping me off. I wish I would have seen this earlier. 

Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$140.00} - {$220.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Payment - {$130.00} - {$230.00} {$0.00} - {$360.00} XX/XX/XXXX Adjustment {$57.00} - {$57.00} {$0.00} {$0.00} XX/XX/XXXX Payment {$0.00} - {$460.00} {$0.00} - {$460.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$470.00} {$0.00} - {$470.00} XX/XX/XXXX Payment {$0.00} - {$12.00} {$0.00} - {$12.00} XX/XX/XXXX Payment {$0.00} - {$480.00} {$0.00} - {$480.00} XX/XX/XXXX Adjustment {$0.00} - {$21.00} {$0.00} - {$21.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$520.00} {$0.00} - {$520.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00} XX/XX/XXXX Payment {$0.00} - {$540.00} {$0.00} - {$540.00}
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LOAN TO LEARN (AZ)

I filed bankruptcy years ago and included a XXXX XXXX XXXXXXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Consumer complaint received 2018-05-25
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. (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-05-25
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

I've been working with Navient for quite some time. I last spoke with a loan officer and explained to them that I was currently in school and unable to make my payments until after graduation, at which time I would enroll in a payment plan. I was assured I had nothing to worry about, but they sent my loan to collections anyway! Literally, the day after I graduated! Since then, I've been paying {$200.00} a month to the agency every month since XX/XX/XXXX, and every month, My account is still being reported for missed payments by Navient even though they sold it to a collection agency. I tried to do the right thing and I'm still not getting anywhere. I've called Navient over and over again, even reached out to a customer advocate and I received no help at all. I am fed up and at wits end. I'm ready to pursue legal action against Navient!
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

Hello, On XX/XX/2021, I received a cash app payment from my daughter in the amount of {$200.00}. I decided to cash out the funds back to my bank account. I also sent a {$20.00} donation to a friend as a donation for a food purchase for a family who lost their mom on yesterday. This morning neither transaction was showing in the Cash App. 

I also use this same platform to invest in stocks. Because my transactions from XX/XX/2021 still weren't showing, I checked my stocks and found that 94 % of my money was gone and the stocks selected for my investments were no longer showing on the platform, i.e., XXXX XXXX, XXXX, etc. On XX/XX/XXXX, I had a balance just over {$4100.00}. Today ( XX/XX/XXXX ), I have less than {$200.00}. I checked my stocks on the stock exchange to determine what happened in the market and found that there were no significant losses. Yet, my money is gone. In addition, the site does not show what my stock investments are, but does show my total invested amount and current balance as of the close of yesterday. I also make bi-weekly purchases for certain stocks, and those are not showing in my history. Ironically, there is a Bitcoin balance of {$92.00}, and I have never purchased Bitcoin.

I can only assume that I have been hacked because nothing else makes sense. I did take photos of what is currently showing on the screen at different intervals during the day for XX/XX/2021. However, the site was showing balances for a timetable for today for afternoon transactions and yet it was only XXXX XXXX. when I checked my account balances this morning. I submitted an inquiry and was told someone would be in touch within 2 hours. I have not received a follow-up but in the interim I wanted this information regarding this scam to be published immediately. I realize there is risk when investing in the stock market. However, I have been participating for quite some time and understand the risks. I have lost a few dollars here and there, and that's to be expected. However, I am positive that I have been scammed because I don't show any significant losses on yesterday for my selected stocks. 

Any assistance you can provide is greatly appreciated. 

Best regards, XXXX XXXX