davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paid a user ( @ XXXX " XXXX XXXX '' ) through XXXX for concert tickets on XX/XX/2018. Two transactions totaling {$80.00} ( {$60.00} and {$20.00} from two different funding sources ). Tickets  didn't work at the venue. Seller must have either used them or resold them for further profit gain. 

Contacted XXXX  to get a refund ( since their app doesn't have built-in refund technology like PayPal has a Refund request link and Complaint Center ). 

XXXX  confirmed the seller was a fraud and had changed his name in their app ( to @ XXXX " XXXX XXXX '' ) and ripped off others. They claimed they'd to close the sellers account, but have not yet done so. 

However, XXXX refused to provide a refund ( which is to their illicit gain to allow criminals to get away with fraud on their platform, and support organized criminal activity ). 

They claimed that it was a business transaction, even though concert tickets are for personal use. A business transaction would like buying envelopes or a stapler, for business use. I'm not writing concert tickets off on my taxes and didn't take a business associate, like a business expense would be treated. 

XXXX is clearly in the wrong, and I hope the CFPB will support me and the millions of users of XXXX  in changing XXXX XXXX harmful consumer business practices.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MD)

I am writing to dispute an alleged debt with National Credit Adjusters, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the FDCPA, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. 

I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. 

In the event debt collectors/ credit bureaus can not verify the item pursuant to the FCRA XXXX and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the FCRA . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

Here is just a few of CFPB debt collectors complaint 's similiar to mines : XXXX # XXXX, XXXX XXXX, XXXX # XXXX, NCA # XXXX, NCA # XXXX, XXXX XXXX  # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to CFPB protection and to enforce the law against all perpetrators in violation of FCRA. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (IL)

Our loan officer has been very hard to work with for us personally and our realtor. She does a terrible job of checking emails so every time we email her, we have to start a new thread otherwise she claims she never received it. She also has asked for the same documents repeatedly saying they are not to her satisfaction. Our employer has also complained about how many times they have been contacted to verify the same information. We had an issue with an inspection and the seller agreed to pay the contractor directly to fix the problem and said they could issue the check at close. Our realtor checked with our loan officer and she said that was acceptable. On closing day, two weeks later, she comes back and tells us we can not have a credit issued at close since they did not order the inspection. The inspection was a part of our purchase contract, as was the seller agreeing to fix the issue. It has been an overall headache and i feel like this loan officer and her underwriting team have made it even more difficult. They lack communication amongst themselves and with their clients.
Consumer complaint received 2021-09-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

XXXX I received notice from XXXX XXXX that our loan will be sold to Flagstar Bank XXXX Notice stated " As of XX/XX/XXXX XXXX XXXX will stop accepting payments from you. Starting XX/XX/XXXX please make all payments to your new servicer '' XXXX XXXX XXXX XXXX XXXX ( XXXX ) sent an XXXX mortgage payment to Flagstar bank ( account number as noted on the XX/XX/XXXX notice from XXXX XXXX ). 
XXXX I received a statement from Flagstar bank noting that my XXXX payment had not been received. I contacted XXXX to inquire. I was told by XXXX that Flagstar bank rejected my payment on XX/XX/XXXX noting an invalid customer ID. We verified the account # with the account # on the Flagstar statement. The account numbers matched. The XXXX agent additionally noted that the money was being refunded to me. I checked my XXXX account and it showed a " pending '' refund from Flagstar on XX/XX/XXXX in the amount of my mortgage payment. 
- I contacted Flagstar to ask " why '' and was told that there was no sign of a payment in their system. I informed the agent about the information regarding the ACH payment provided by XXXX. I was told that I could make the payment now. I told the agent that I would like to pay and would like the account to reflect receipt of payment on XXXX and interest adjusted accordingly. I was told " Flagstar does not owe me anything ''. The agent reminded me that this would not reflect on my credit score but there was no solution to the fact that interest was now being charged on principal that I had paid on XX/XX/XXXX. I did not have access to my money between XX/XX/XXXX and XX/XX/XXXX. The amount did not clear " pending '' status until XX/XX/XXXX. 
XXXX Once the refund from Flagstar cleared my account I made my XXXX payment. 

As a consumer, I am not at fault for Flagstars inability to have the accounts they purchased ready for payment receipt by the due date of the payment. They knew they were the new service provider on, at a minimum, XX/XX/XXXX. The accounts should have been created and ready for payment receipt on XX/XX/XXXX. The account information was given to me in the XX/XX/XXXX notice from XXXX XXXX. Therefore, the account was clearly created, yet on XX/XX/XXXX my payment was rejected as " invalid customer id '' In this situation, I did not have constructive receipt of my money between XXXX and XX/XX/XXXX ( day it showed " not pending '' ) I am one of millions of Americans whose mortgages are sold every year. This Pattern of Behavior among mortgage service providers is an unfair practice that thrives off of a consumers lack of knowledge. Most consumers are probably paying the missed payment and are unaware of the impacts of compounding interest.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am the author of this complaint and the attached letters associated with this complaint I recently checked my credit report and I noticed that I had numerous inaccuracies and unauthorized inquiries I tried reaching out to the credit reporting agency but they did not fix the issues.
Consumer complaint received 2023-02-10
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. (SC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-09-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allegiant Capital Recovery LLC (TX)

XX/XX/XXXX spoke to a representative via in bound call at my place of employment and advised that I can not take personal calls at my workplace. I contacted them again on XX/XX/XXXX as the calls did not cease and asked for a mailed copy of the debt in question. I also asked that they stop calling my employer and they said they would stop contacting me at work and remove my work number. 
They have continued to contact my place of employment and have not stopped although my employer has also explained that they can not call as this is a place of business. They have called again today to my place of employment and left me a voicemail.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Advisors Foundation (PA)

Date contact : XX/XX/19 by XXXX XXXX of Credit Advisors. They were referred to me by the XXXX. This company portrays itself as a 501 ( c ) ( 3 ) not-for-profit when they are clearing in it for the profit. Before even asking me about my request or what I need help with they requested all my debt balances and other sensitive information to " calculate '' my payment to them. This company is like many others to scam people into paying them for the advice of settling debts through destroying your own credit. You can see in my attached email where he mentions " correct terms of the creditor ''. When I contacted them I didn't even ask about this type of service. I hope my complaint helps people from making the mistake of going through this company.
Consumer complaint received 2020-02-26
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. (NV)

My credit report says I have an alias XXXX XXXX. I think my credit was hacked by people I worked for or people they know. This is not correct information. I have never used this name. Do you need a screen shot of the alias?
Consumer complaint received 2024-03-05
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. (TX)

I am lodging a complaint in response to the recent investigation conducted on my credit record. While I acknowledge the efforts made to rectify some inaccuracies previously present on my credit information, I still require assurance of complete accuracy regarding all items listed on my file. Therefore, I request documentation verifying the accuracy of the account in question. Kindly conduct a further investigation into this account : XXXX XXXX XXXX Balance : - The inclusion of a 30-day late payment history on this account is entirely baseless, as I firmly believe that all payments were made on time. I insist on an immediate update to correct this erroneous late payment record associated with the account. Your prompt attention to this matter is anticipated.
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Have tried to get a loan modification from Wells Fargo to not avail, even though they have a XXXX and XXXX XXXX on our only property. 
They keep coming back denying the modification, because all their calculations are based upon the income and payment on the XXXX XXXX, without considering our XXXX XXXX payment and my wife ( she 's XXXX years old ) Student Loan payments that amounts to over $ XXXX/month. 
She did receive her XXXX XXXX XXXX in XXXX and XXXX at age XXXX. 
Now helping the XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. 
working for XXXX XXXX as a XXXX XXXX XXXX I 'm XXXX years old, XXXX from XXXX We want to keep our only property. 
A NOD has been already filed, even though we were in the middle of a Loan Modification process.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (AZ)

Account Name : ELAN XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$5100.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2400.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2019-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (CA)

Contract Callers, Inc. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$550.00} Last Payment Date Whose Account Individual Account. 

Letter sent to XXXX, and their collection representatives now AT LEAST 4 times. 

I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sent Via USPS TRACKING XXXX ADDITIONALLY : HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of XXXX THAT THE ACCOUNT USED TO WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. 

XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.
Consumer complaint received 2019-07-17
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I called XXXX to dispute the accuracy of a Nissan car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for XXXX  is XXXX.
Consumer complaint received 2019-09-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2019 a check was written to Capital One Auto Finance XXXX XXXX XXXX, XXXX XXXX  XXXX CA XXXX, Check number XXXX for the amount of XXXX . The bank has confirmed that it was deposited to account ending XXXX on XX/XX/2019 which is listed as a Capital One Account. The funds were taken from my account but after calling Capital One several times they can not find the money, there is not account of the payment and they are still attempted to collect and repo the car. There should not be any threatening communication when it has been made clear that there is an error on the Capital One Side.
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

I was impacted with financial hardship by the COVID-19 pandemic. As a result, I had to resort to a debt management company to consolidate and pay off my credit card debt. During 2021, I clerked for a U.S. district judge but did so off university funding. Come Summer 2021, I lost my funding. With that, I called XXXX numerous times about deferring my debt until I started my private practice job in XX/XX/2021. XXXX would not defer payment but said that I still had a few months before the debt would charge off and go into collections. XXXX confirmed that once I made a payment, XXXX would not seek collections of my account. 

Well, instead, XXXX transferred one of my credit card debts ( approximately {$8000.00} ) to a law firm, Hunt & Henriques XXXX, because I received a letter saying so from this law firm. I attempted to contact the firm at the provided XXXX number but never received a response. My debt management company then began negotiating with the firm in order to work out a payment plan. 

During negotiations, Hunt & Henriques filed a predatory lawsuit against me in XXXX XXXX XXXX XXXX despite this open line of communications. I immediately contacted this firm and was finally put in touch with an actual lawyer after having to speak with an account representative. I spoke with XXXX XXXX, XXXX, who confirmed that they formally sued me to collect the debt. XXXX XXXX refused to confirm if XXXX was even aware of their decision to file suit. Keep in mind, the call line said it was being recorded and may thus be subpoenaed during a formal investigation. I had no other option but to sign a stipulation and settlement in order to dismiss the suit without prejudice. However, per the terms, if I miss any payment then Hunt & Henriques will refile their complaint. In addition, complaint this firm filed consists of a simple box check form without a proper affidavit executed by a XXXX representative with knowledge of the facts alleged. 

It took approximately one month from initial notice of my account transfer to Hunt & Henriques to the firm formally suing me in XXXX XXXX XXXX XXXX. I believe I am a victim of XXXXXXXX XXXX recent " lawsuit blitz '' against debtors suffering from financial hardship during the ongoing COVID-19 pandemic as reported by XXXX  ( XXXX XXXX XXXX ). Accordingly, I am compelled to seek redress against this financial institution for their victimization of myself and others similarly situated, who have been dragged unnecessarily into the judicial system because oXXXX XXXX XXXX greed.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (AZ)

On XX/XX/XXXX I made my final payment to GC services for my XXXX credit card. I received a letter stating they will be reporting to XXXX that my account has been settled and paid in full. XXXX has yet to act and report to the credit bureau that this account has been paid.
Consumer complaint received 2022-07-26
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 (CO)

This is a follow-up to the previous two complaints : XXXX and XXXX I received the attached letter from Barclays Card stating that they have attempted to contact me several times via phone regarding the status of this fraud. To date I have received a single phone call from a 'manager ' at Barclays Card on XX/XX/2022 stating that this issue would be resolved within a week from the date of that call. I have received no additional calls or contact nor, as of today, XX/XX/2022 at XXXX XXXX XXXX XXXX has this issue with my account been resolved. Nor has my credit score been restored. Nor have I received compensation for this fraud perpetrated upon myself. 

Barclays is not acting in good faith to resolve this issue that they caused.