davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Everest Receivable Services Inc. (GA)

On XX/XX/2020 I received a call from XXXX attempted to verify location information to send debt documentation. I advised the caller that I was the person in question that they were trying to locate. The caller then caller launched into debt collection disclosure and then asked me to confirm my mailing address. I confirmed the address and then asked what company the caller worked for and was ignored. The caller continued speaking and said that they could handle the debt matter now over the phone if I would provide my social security number for them to confirm and I refused repeating that I wanted to know what company they worked for, which again was ignored. I then told the caller that they could send the documentation as I confirmed the address and then I clearly stated to not call my number again and that all matters regarding this debt were to be handled through the mail. The caller did not confirm my request and disconnected the call. Yesterday ( XX/XX/2020 ) the same number called again. The call went the same as before : Asked to confirm location information so that a notice could be mailed out, I confirmed that I was whom they were looking for, offer to handle issue over phone, refused again and asked for company name which was again ignored as was my request to only be contacted through the mail by this company. I personally called the number from a blocked line and reached an answering machine for Everest Receivable Services Inc and advised a XXXX that I wanted my personal number removed and that all matters regarding ant debt under my name be handled through the mail. She stated that they had no file attached to my personal number and that the request could not be completed.
Consumer complaint received 2023-08-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Im in the tail end of a XXXX  XXXX bankruptcy. All payments are current and the trustee has filed a motion to close the case and issue a discharge. The mortgage of course will continue. The last I heard the mortgage company PHH MORTGAGE was not cooperating with the court but was holding various sums in various suspense balances and not crediting the accounts as required! However the REAL issue is a hail damage claim from my insurance carrier XXXX XXXX  who issued a {$25000.00} + check which I and my wife endorsed and sent to PHH as required. Weve since had our roof replaced at a cost of {$10000.00} and the mortgage company sent the check to a DEAD LAWYER in spite of being notified he died when my current lawyer enter his notice of appearance on XX/XX/XXXX NEARLY THREE YEARS AGO! Now Im in a pickle because I can not pay the roofer and PHH CLAIMS they have resent the check overnight mail to the current lawyer on XX/XX/XXXX yet he doesnt have it and PHH CAN NOT provide a USPS tracking number and if they were not lying YET AGAIN theyd know that number! I also have damage to my boat dock I can not even begin to think about repairs to because I know they can not be trusted to send me the insurance money I have been paying my premiums for so this dock which is now part of the mortgage after it was modified is being destroyed because the welds are broken and unable to be fixed. Ive addressed this with the lawyer and the mortgage company to no avail! Ive paid my XXXX  XXXX payments on time and in accordance with the plan for 58 months yet have NOTHING to show for it because PHH is allowing this property to be destroyed!
Consumer complaint received 2021-01-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HALLMARK HOME MORTGAGE LLC (IN)

I recently closed on an fha loan for a home I just bought on XXXX2020. The house had termites and bedbugs and very many other issues that were not taken care of which was a breech of contract and should of never have passed fha guidelines, or been approved for the loan. I would like this looked into and resolved. The invoices I received after the closing from the seller was missing and never was address in the agreement from the inspection. I was taken advantage of by my realtor, lender, and the other realtor also XXXX XXXX XXXX because they obviously didn't go over the paperwork that clearly states termites were visible in the inspection and never addressed or disclosed to me.also during signing I felt rushed and was just told to sign and next page, not givin a proper explanation of anything I was signing or informed of new discoveries.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IN)

My issue is I called on Tuesday XX/XX/XXXX to close my BMO Harris account. I called the next day on the XXXX to verify my account is closed. Today Friday XX/XX/XXXX I was charged two payments that I can't afford. I spoke with XXXX in the XXXX department and she admitted that my account should have been closed but doesn't know what happened. The only thing she said was that she was sorry and I have to bring my account current. She said she was unable to freeze my account or stop any fees from occurring. She said there is no one above her to speak with. There was no resolution. She was unable and unwilling to help me. I believe a fair resolution would be for my account to be closed without me having to pay anything. I believe this is fair because this is how it should have been in the first place. I called when my account was current and 3 days before anything should have came out. Now I am stuck to deal with
Consumer complaint received 2023-07-14
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. (OH)

I am requesting again in regard to the inaccurate and unknown things on my credit report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after I sent this letter. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately. Thank you. 
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 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 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 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
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (DE)

XX/XX/XXXX, XXXX, XXXX XXXX showing late payments which were made on times balance was no showing accurate to the account. 

Company stated the found the error unable to correct my reports. Request me to submit disput
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio Recovery Associates , LLC Account # XXXX for {$640.00}, Date of first delinquency : XX/XX/2018. Five years in Kentucky. 

I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in Kentucky has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired.You may contact me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I reserve the right to record all phone calls and violations of the FDCPA can result in you or your company being fined up to {$1000.00} or more.
Consumer complaint received 2021-01-06
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: CCS Financial Services, Inc. (MI)

Failure to comply on POLP and PHR request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on this account : CREDIT COLL XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-05-17
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc (VA)

I ordered an indoor cycling bike from XXXX XXXX XXXX XXXX during the pandemic. The bike arrived and after assembled it did not work properly. I returned the indoor cycling bike to XXXX XXXX. Although, the bike was defective they have charged me {$890.00} for shipping and the product did not work. 

I dispute the debt in question as this is not an amount I should be responsible for since this product was defective.
Consumer complaint received 2024-04-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

TRANSWORLD SYSTEM I Please block/delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (IN)

I can't go back without losing everything in the form thus far but I HAVE contacted the company to resolve this. 

I applied for a short-term loan from XXXX. The terms of the application said NO hit to my personal credit would happen. This is not the case. I received information that Headway Capital ran a credit report without my authorization.

I never contacted Headway Capital directly nor gave them permission to check my credit. I had never heard of the company until I received their rejection notice stating my personal credit was not up to their standards.
Consumer complaint received 2023-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (CO)

When my loans were moved ( as if I and my family 's ambitions make us into cattle transferred from one slaughterhouse to to another ) from XXXX to Maximus in XX/XX/2023, I received confusing emails from XXXX that I couldn't confirm as spam or not. I finally investigated the Aidvantage website and immediately found non-functional webpages, which made me more uncertain. 

I finally decided Aidvantage had probably acquired our debt legitimately and that I had the correct website. I set up my login and immediately found out that Aidvantage does not use two-factor authentication. This makes my payments and my loans insecure, and as the attached correspondence from XXXX XXXX indicates does not seem to be a priority fix at all. 

I hope the management of the CFPB understands just how much of a painful burden my family 's ambitions to pursue publicly valuable knowledge has placed on us. CEO XXXX XXXX XXXX has an astounding net worth of {$35.00} XXXX dollars. He is like a vampire, and the fact that he and his executive team are unwilling to even create a reliable infrastructure for us to transfer our hard-earned income to his wallet must be addressed by my federal government. 

I also contacted my congressional representative and their staff refused to get involved because Aidvantage is a " private relationship. '' This is a public loan, a federal loan. Has it really been totally privatized so that this vampire is unaccountable to us as American citizens?
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15U.S.C .1681 ... the accounts below has violated my rights. 15 U.S.C. section 602a state i have the right to privacy ... ..15 U.S.C 1681 1681c ( a ) ( 5 ) Section states : NO consumer reporting containing any of the following items of information any other adverse item of information, other than records of CONVICTIONS of crimes which antedates the reporter by more than 7 years. 15 U.S.C. 16811s-2 ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

On XX/XX/2023, a {$200.00} Vanilla Visa gift card was purchased at a XXXX in XXXX and gifted to us. The package was seemingly untampered with and completely sealed. 

Upon opening the card, the XXXX to XXXX digits of the 16 digit card number were scratched off as well as the security code on the back. The card was activated in store ( electronic card activation receipt attached ) but we have not been able to purchase anything with the card. I believe the cards have been tampered with and used before we have even opened it.
Consumer complaint received 2023-07-14
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$47000.00}.
Consumer complaint received 2023-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Solutions Inc. (MO)

I received a letter dated XX/XX/2023 that threatened legal redress if I did not pay on a medical bill. The address of the lawyer is in a state I dont live in and have no history of doing any business in. I called the original doctors office to verify the debt, and learned that the amount listed on the letter has a fee of {$120.00} added on top of the original bill amount. I called the debt collection office and said I wanted to pay but only the original amount ; I dont think I should have to pay fees on medical debt. I spoke to 2 different women and they were very rude. They yelled at me, shamed me for not taking care of my business, refused to let me pay my original bill amount, and hung up on me.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

An XXXX XXXX XXXX credit card with a {$12000.00} limit was opened with Bank of America in my name. I received an email from Bank of America confirming the application had been approved and the card would be received within XXXX business days.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (LA)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/23, I submitted XXXX XXXX transfers of {$200.00}. Upon realizing that I was the victim of a scam, I reported this to Chase Bank. Chase opened a fraud claim ( # XXXX ) and on XX/XX/23 informed me that " no action will be taken '' and that " this is resolved ''. 

While I acknowledge that I initiated this transition, I am disappointed that the " investigation '' yielded no tangible information. I am employed by a member bank, one of the seven banks that own XXXX through EWS. I was recently versed on Reg E., XXXX, and fraud through my work at the member bank. Chase failed me on many levels and will continue to provide poor service unless the CFPB puts a stop to them. 

Chase did not ask me for the email evidence proving that this was a scam. I offered it. I'm suspect that an " investigation '' took place. Wouldn't it be in everyone 's best interest to find these bad actors and ban them from using the XXXX network?
Consumer complaint received 2023-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

Unresolved Funds Transfer Issue. 

Dear Consumer Financial Protection Bureau, XXXX XXXX  Routing # : XXXX XXXX XXXX  Account # : XXXX Type : Business Checking Union Bank Routing # : XXXX Union Bank Checking # : XXXX Type : Personal Checking US Bank Routing # : XXXX US Bank Account # : XXXX Type : personal checking. 



I am writing to submit a formal complaint regarding an unresolved funds transfer issue that I am experiencing between my XXXX XXXX  account and U.S. Bank / Union Bank The details of the matter are as follows : On XX/XX/2023, I initiated a real-time external transfer of {$2800.00} from my XXXX XXXX  account to my Union Bank Account ( XXXX  with XXXX ). This transaction occurred shortly after the merger of Union Bank  into U.S. Bank. Regrettably, the funds have not appeared in my U.S. Bank account, despite having successfully used this method in previous instances. 

In my pursuit of resolution, I have engaged in communication with both XXXX XXXX  and U.S. Bank. U.S. Bank asserts that they have no record of receiving the funds, despite my provision of the transaction number and reference number for verification. They explained that only tracing numbers are considered for transaction tracking. Conversely, representatives from XXXX XXXX  confirmed the successful execution of the real-time external transfer but clarified that tracing numbers are not applicable to this specific type of transaction. 

My attempts to address this issue through the banks ' customer service channels have been unfruitful. Both institutions have shown reluctance to initiate a thorough investigation into the matter, leaving me in a state of uncertainty and concern. 

I provide both bank statements in this complaints. 

Given the complex nature of this issue and the lack of progress through conventional channels, I am reaching out to the Consumer Financial Protection Bureau for assistance. I believe that your expertise and intervention can help bring clarity and resolution to this pressing matter. 

I kindly request your intervention and support in facilitating a thorough investigation to uncover the whereabouts of the transferred funds. Your assistance in mediating this issue would be greatly appreciated, as it is essential in ensuring fairness and transparency. 

Thank you for your prompt attention to this complaint. I look forward to your guidance and assistance in navigating towards a satisfactory resolution. 

Sincerely, XXXX.
Consumer complaint received 2023-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (PA)

The U.S. Department of Education recently announced that it will approve federal student loan forgiveness for borrowers who were deceived by XXXX job placement claims. By court order we suppose to get automatic student loan forgiveness how meet the criteria, it's been more than +4years of suffering waiting for the action by the department of education . I submitted an application for loan forgiveness based on my eligibility for the program, but I have not received a discharge despite waiting for over four years. the lack of loan discharge has impacted my life, such as the financial burden of continuing to make payments on a loan you believe should have been discharged. Also, I been denied for mortgage, loan even a credit card of {$500.00}.