davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (MO)

I had a bank account 5-6 yrs prior to this incident that had a negative balance due to my inability to pay. I believed this account was closed and charged off by financial institution, and account had no activity for years. In XX/XX/XXXX, the financial institution sent me a check for {$79.00} on inactive acct. which confused me, but I was aware that the bank had sold to another company. In XX/XX/XXXX, I notice a debt for Net Credit on my credit report, and called them. I had not applied, authorized, or ever sought a loan with this company to be deposited into a inactive account I believed was charged off and closed years prior. I filed a police report on XX/XX/XXXX, and went to the bank to request records about the inactive account from the new company. I then call Net Credit questioning them why information was not verified before they released a loan, as my phone number, employment info. and banking info. had all changed. And the account that they deposited was inactive and not in good standing. The woman I spoke with adamantly stated they did verify all info., even verified my employment at a place I hadn't worked at for many years. I told her I'd love to see the documentation that was verified because i know for a fact the bank info was not verified as the account had been inactive for years. She then states someone close to me must have stolen my identity. I absolutely feel like that is XXXX, from complaints I have seen there seems to be a pattern to what they do unlawfully and then claim identity theft. They are committing the identity theft and someone really needs to look into this matter. I know matter of fact that verification of a active checking in good standing is required on loans. I would not apply for a loan on a account I believed was charged off/closed years earlier.
Consumer complaint received 2020-03-09
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: BARCLAYS BANK DELAWARE (TX)

Consumer Finance Protection Bureau : I am submitting a complaint against Barclays for erroneously holding me responsible for fraudulent charges on my credit card. The attached documentation shows that I was not present in the location where the fraudulent charges were made on the dates they were made. I attempted to resolve the matter directly with Barclays with no success. 
The fraudulent charges totaled {$680.00} and were made between XX/XX/XXXX - XX/XX/XXXX in XXXX, LA. I was not in Louisiana during that time. The attached hotel receipts and credit card statements prove that I was in Texas during the entire date range when the fraudulent activity occurred. 
As I explained in my letter to Barclays dated XX/XX/XXXX, I was working in XXXX XXXX in XXXX but I departed on XX/XX/XXXX, as evidenced in the attached flight records. My Barclays card was lost/stolen during this trip. When I received the Barclays statement, dated XX/XX/XXXX, I immediately called Barclays to notify them of the fraudulent activity. Based on the call, they closed the account, reversed the charges pending an investigation, and sent me a new card. At that point I thought the matter was resolved. 
But in XX/XX/XXXX I received notification from Barclays that their research has indicated that the transaction ( s ) is valid and that they were placing the fraudulent charges back to my account for me to pay. When I called Barclays to ask what the basis was for their decision, they told me I had said in my initial phone call that the card was in my possession. I dont remember saying that. Instead, I remember being unsure where the card was. At the time of the call, I thought the card might be somewhere in my house, but I wasnt sure. Even if I did say what they claim I said, it was an error on my part and disproven the evidence presented. 
After that call, I faxed a letter with supporting evidence to Barclays on XX/XX/XXXX, requesting they reopen the investigating and reverse their previous decision. In early XXXX, I received their reply, dated XX/XX/XXXX, denying my request and notifying me all charges were my responsibility. 
Having been unable to satisfactorily resolve the matter directly with XXXX, Im making this complaint with the CFPB. 
Thank you, XXXX
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WI)

My credit card was stolen by an unauthorized user on XX/XX/2019.  The fraudulent charges added up to XXXX dollars. I claimed my card stolen with discover. I sent in information in XXXX  and never got in contact with discover. On XX/XX/2019 I asked again to have them reopen the case, they still said my charges were fraudulent. They spoke with an officer on my case that I filed with the state for stolen property and identity theft. The officer told them he spoke to the person who I thought stole my card and that the person admitted to stealing it. discover still held me accountable. They officially closed my case on XX/XX/19 as being not fraudulent. I still owe XXXX $ to this company from late/interest fees from fraudulent charges on my account. Ive reopened this case four times, Ive spent countless hours building my own investigation on this case because discover wouldnt help me. Ive spent over 10 hours on the phone with discover. They had me talk to around 8 different people each time. Having me wait on hold for 30 minutes at a time. To all tell me I am responsible for changes I didnt make. They were rude to me each time I was on the phone and kept information from me on the case multiple times. The person who stole my credit card is being carded with a Misdemeanor A. By the state of Wisconsin for stealing my credit card with discover, yet discover still holds me accountable. They used the words removing themselves from the situation because they dont feel its their responsibility I trusted this credit card company at first. They ruined my life, left me broke making payments on fraudulent charges, harassed me, and ruined all trust with credit card companies.
Consumer complaint received 2020-03-09
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)

XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX  I XXXX ON MY CREDIT REPORT.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax 's Noncompliance with Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their willful noncompliance with the Final Rule XXXX ( b ) ( XXXX ) and XXXX ( b ) ( XXXX ) regarding the blocking of adverse items in my credit report that are the result of XXXX XXXX. 

I am a XXXX XXXX XXXX and have submitted all required documentation to Equifax, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Equifax has refused to block the items in my credit report that are directly linked to XXXX XXXX. 

Equifax has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute three times, preventing me from exercising my rights as a victim of XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to investigate Equifax 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Equifax to block the adverse items in my credit report that are the result of XXXX XXXX, in accordance with the Final Rule. 

I kindly request that this case not be closed until Equifax has taken the necessary steps to remove the items in question from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX XXXX ( Please respond only by email or phone call ) XXXX, XXXX
Consumer complaint received 2023-02-13
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have taken action on the amount of XXXX many time please help remove unaware of this, Stated the date opened was XXXX. I have many hard inquiries I'm unaware of also.
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (FL)

On XX/XX/2019 we were advised by Annie Mac Mortgage representative, XXXX XXXX XXXX, that our loan was ready to close. Our closing documents were sent to us which listed our Cash to Close as {$1300.00}. My wife, XXXX XXXX, and I signed the paperwork and sent it to Annie Mac and the Title Company, XXXX XXXX XXXX. We were advised to wire the money on XX/XX/XXXX once the title agent sent us the information. On Monday XX/XX/XXXX at XXXX hours, we were advised by the Title Company that Annie Mac was sending over new closing documents to correct the Cash to Close. We were told the amount had increased to {$6300.00} and given wiring instructions. We were not given the mandatory 3 business days to review the change in closing costs associated with the loan and expected to wire the money by XXXX hours that same day. Our Mortgage Broker, XXXX XXXX, had assured us that the mistake was a " massive clerical error '' and that they would " do the right thing and give us the {$5000.00} as a principal adjustment after closing. They said the amount increased because they had us signed up for the " wrong program '' that also required " more seller cash to close. '' Upon reviewing the closing documents closer, there is a {$3500.00} seller credit removed from one set of closing documents to the other. We wired the money under the instruction of the Mortgage Brokerage and Title Agent, with the understanding the $ XXXX increase would be applied post close to the principal. Since closing, we saw no principal adjustment and when finally pushed, were given a {$1700.00} adjustment and instructed " that was everything we owed you from the program. '' In Summary : Closing Costs Raised by $ XXXX 16 hours before closing and three hours before deadline to wire money. Promised $ XXXX increase as principal adjustment by brokerage. Given a {$1700.00} adjustment and told they owed us nothing else.
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

Built a new home on an empty lot. After a recent assessment taxes increased. I received a letter from Lakeview Loan LLC that there was an escrow shortage. I first tried to have the escrow account removed from my loan and I would pay the taxes and insurance on my own as I already pay my homeowners insurance in-full for the year. Lakeview denied my request. Lakeview gave me 2 options ; a ) pay the escrow shortage in-full by XX/XX/2020 XXXX {$2400.00} XXXX and our payment would increase from $ {$2500.00} to {$2800.00}. OR option b ). Not pay the escrow shortage and our payment would increase from {$2500.00} to {$3000.00}. 
I paid the escrow shortage IN-FULL on XX/XX/2020. 
My XXXX payment was received BEFORE XX/XX/XXXX and Lakeview has my payment @ {$3000.00}. 
MY PAYMENT SHOULD HAVE NEVER EVER EVER BEEN {$3000.00}. The shortage was paid in-full under the terms that Lakeview provided to me.

I have been calling, writing, speaking to Lakeview and no one is willing to assist me. Lakeview is not handling my payments correctly. I have lost all trust in Lakeview. 
I spoke to supervisor XXXX # XXXX on XX/XX/2020 and she promised me a call back and to get the problem resolved. Liar. I spoke to supervisor XXXX # XXXX on XX/XX/2020 ; promised to correct this problem and also a call back. Liar! 
I work hard. I pay extra every single month on my mortgage. Lakeview is not distributing my money correctly. 
Im disgusted with their complete and blatant disregard of respect and customer service.
Consumer complaint received 2024-04-06
Product: Credit 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: JPMORGAN CHASE & CO. (MD)

I was charged repeatedly for XXXX purchases sn hour away from where I live and work. Totally XXXX XXXX I did not visit any of the locations. I dont use credit cards for fast food. I have talked to chase and their team have twice told me I did and am responsible for charges. I did not make them and dont even know the location. My son works for a credit card company and looked up what town they were made in. I have never eaten nor been at any of these restaurants.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Atlanticus Services Corporation (OH)

So like I stated I'm the description I have been very sick and I've had so many family issues n emergencies one after another then I come to the other when I finally gained access to my credit report for the first time i was flabbergasted. My credit score was XXXX to start and is now at a whopping XXXX XXXX in some that a huge decrease my credit demise started last year I only had one credit card XXXX emergencies and I put a little on n paid it off immediately every time then all the sudden a huge boom the credit smash all the sudden out of nowhere there is repeated hard inquiries clear up until now I had many open lines of credit n everyone was exceeded over balance. When normal person has nothing on there credit then all the sudden all this action n all these credit cards here n there. How did this happen how did someone not see this and stop no they kept handing out the cards now here it is I'm not trying to get credit but simply ask for a fraudulently opened credit card be taken off my account I can't even get that n I'm the real XXXX  person. I just found my credit was ruined and aspire XXXX was too worried about making fun of my voice saying I sound like women I got enough going I don't need harassment from the very company who allowed my account to be fraudulently open without my consent is giving me a hard time they gave out a credit they shouldn't have but I can't dispute the account and have it removed from my credit report I didn't make this account. My cousin was in n out of saying at my house I was helping him and come to fund out he was robbing me blind he opened multiple credit cards Multiple bank account stole jewelry family keep sakes u name it its been stolen including my driver 's license n social security card. I gotva new phone and previously gave him my old phone I had my emails n other personal things on my phone I didn't erase I didn't think anything of it but he an old number that was mine n my email to be able to continue acting like me to get credit n money he charged the cards up then made multiple payments with other peoples banking information so he would XXXX XXXX  the pay with someone's bank account charge and repeate he order from stores to my home n food u name it he got it. I don't think it's fair I b stuck with this stuff right. Aspire are some of the rudest coldest discriminatory bunch of robbers out the not one other creditors company gave me an issue they were very sympathetic very helpful and handled my problem with n grace then I get to my final one that I just discovered on credit sesame today n they gave me the run around with a nasty attitude. I just want this nightmare over so I can heal n move on but the they won't let me this gas been so stressful I've talked to so many people over the past XXXX days so many credit score companies fraud alert her n there my throat issues from talking please help me close this chapter I've been trough enough.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (LA)

( 5 ) Treatment of inaccurate or unverifiable information.- ( A ) In general. -If, after an reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I have been in dispute with Exeter Finance LLC for months requesting they provide the necessary evidence of a lawful debt ( a signed INVOICE ) and also a contract with both party signatures Mines and Theirs ( The Corporation ). I did reserve my common law rights UCC 1-308 and also agreed to pay any lawful debt which I may owe on those conditions. Instead I have been receiving a Statement and a Third Party Contract, which a Statement is not an INVOICE and a third party can not sign a contract on their behalf. I requested that they write confirming the Debt to be fully discharged and I owe them nothing. I never received that either, even after contacting their consumer complaint division and writing to the President of the Corporation, as of now consumer reporting agencies are reporting the debt as a charge off but Im still awaiting for a signed invoice of their claim against me.
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

My gob father was trying to send me money to help our with my move, he ask me to get a Venmo account which is easy for him to send. I did and verify my account. He send a test XXXX $ and I was able to transfer that instant to my account. He sent me a XXXX $ that was on Friday morning. When I try to transfer the money, it keep giving me error. The only service that was available was to transfer via the 3 days transfer. I have a next day deadline. I talk to my property Managment and show them screenshots that I have my rent but I dont have access to it till the XXXX that yesterday. They agreed. Yesterday morning my friend send me XXXX , I couldnt do instant transfer either. So I did the 3 days transfer. To my surprise. That XXXX $ was in my account in less that 3 hrs. That worries me. I call and no body picked up. Email and a reply came saying the system flagged my transaction but if there is no problem. I will get it on the estimated arrival date that the XX/XX/2020. It didnt come. I call and text. Now they said 3 business days. I already miss my deadline to pay my rent ones. I tried to talk to them on the phone but they said there is nothing they can do, I have to wait for 2 to 5 business and I should not contact them. I have to wait for them to contact me. And now I received an email saving my account has been frozen for violating the agreement of Venmo. This is the 3 transactions with this service. What did I do wrong and this people are about to me lose my place. Get evicted. And When I was on the phone with the Venmo supervisors. He hang up on me when I told him. I will have to seek help to get my money
Consumer complaint received 2023-02-12
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. (MD)

Transunion is reporting on my credit report the following charges from XXXX XXXX {$19000.00}, {$5300.00}, {$8900.00}, {$10000.00}, {$36000.00} and XXXX XXXX XXXX {$29000.00}. 15 USC 6802 Financial institutions may not diclose nonpublic information to a nonaffiliated third party XXXX XXXX XXXX XXXX XXXX XXXX has not given me the consumer in writing or electronically any discloures.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

To whom it may concern : At XXXX XX/XX/2020 portfolio recovery -AGAIN- called my home and hang up this is not my first complaint about their communication tactics the year before I complained. Last year they had called my home repeatedly called hang up, the following day they did the exact same thing except that time was different. They repeated called in one day and kept calling in 3 hours and hanging up and they did it again this time. This is unacceptable and very unprofessional. Im deeply sorry but I have no job to be able to pay my debts Im more then happy to make a payment of {$1.00} if they would like. Other then that Id Like for these repeatedly hanging up calls to stop.