davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (VA)

There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX  XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc.,  has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ... 

Thanks to you all ....
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/19, I entered into an arrangement with a third party to purchase an item. I paid for the item through XXXX, which utilized my debit card for payment. The person never sent the item, and, through communication with the seller, it appears that her account was hacked and this was a scam. Upon receipt of this information, I immediately disputed the charge with my bank. They did an investigation and determined that the charge was valid because the company, XXXX XXXX, said it was. I filed a CFPB complaint with XXXX, who said that, in cases like this, " the cardholder typically files a chargeback dispute to the issuing bank of the card used to get their money back. '' Also, " Once a chargeback dispute is initiated, which occurred here, the chargeback dispute is decided exclusively by the bank that issued the payment card used to make the payment. '' I have evidence that this was all a scam, and that I did not receive the item from this seller.
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (MA)

XX/XX/XXXX - Rent Recovery Solutions/XXXX XXXX FKA XXXX XXXX XXXX reported to CRAs debt owed to XXXX XXXX XXXX ( # XXXX ) {$1700.00} and {$1700.00} ( # XXXX ). XX/XX/XXXX - Complaint was submitted to CFPB # XXXX. 
XX/XX/XXXX - Rent Recovery response : " We have isolated the duplicate account and closed it. We have place the other account on a hold pending our client 's review of the complainants 's documents. Unless and until we can verity the exact nature of the charges with our client, we will not reopen the account. '' XX/XX/XXXX - My feedback : " Federal and State laws provides for the removal of false or inaccurate information on credit reports. The response did not address fraudulent reporting to CRAs by Rent Recovery Solutions and XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX. Allowable tender under Georgia Code Section 44-7-52 was offered by my bank and myself on separate occasions to XXXX XXXX XXXX dba XXXX XXXX at XXXX and rejected. The account should be closed and removal of all false/inaccurate information reported to CRAs should removed. '' XX/XX/XXXX - CFPB Complaint # XXXX asserted that previously deleted reports by Rent Recovery Solutions ( XX/XX/XXXX ) XXXX File # XXXX reappeared on my report.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

THESE XXXX KEPT CALLING ME AT WORK AND I LOST MY JOB AS THEY VIOLATED FEDERAL AND STATE LAWS AND I HAVE COMPLAINTS OPEN AND THESE XXXX TAKE THEIR SWEET TIME DOING NOTHING. I GUESS WHEN THEY GET SERVED WITH A HUNDRED MILLION DOLLAR LAW SUIT AND THE STATE OF COLORADO FILES AGAINST THEM THEY CAN GET THEIR XXXX  MOVING
Consumer complaint received 2019-07-02
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: CITIBANK, N.A. (FL)

Good morning, I have tried already to contact CBNA/ Best Buy. They have 2 Hard Pulls on my credit without my approval. They claim that they upgraded my regular best buy account to a mastercard. This required a hard pull which I NEVER approved. I called immediately when i saw on my credit and have been trying to have removed since. They refuse. I do not want to close the account to hurt my credit! XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC (FL)

The collection company SOURCE RECEIVABLES M is trying to collect a debt that has been discharged in my bankruptcy. Please delete this account from my XXXX  and XXXX  credit report. The account shows a balance for {$1800.00}. The original creditor was XXXX. I already submit a dispute but they told me the information is accurate but is not. My lawer is aware about this situation and he told me they suppose to removed that information from my report,
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

I recently disputed a bankruptcy on my credit report at the three credit bureaus. They intern responded to the dispute. confirming the bankruptcy stating the the information was provided by the US BKPT CT MA XXXX I intern wrote the US BKPT CT MA XXXX confirming their procedures in regards to bankruptcy records, with which the responded confirming the DO NOT supply these records to the credit bureaus ( see attached ). 

I then sent a copy of this letter from US BKPT CT MA XXXX to each of the credit bureaus, along with a letter identifying the mistake they had made and requesting its removal from my account They have continue to refuse its removal
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (NV)

On XX/XX/2019 I sent a letter to XXXX  XXXX XXXX regarding three accounts that were being reported to Early Warning. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from Early Warning. 
On XX/XX/2019 I received a response from XXXX XXXXXXXX XXXX stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a debt.
Consumer complaint received 2019-07-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I have 7 hard inquiries for an auto loan that is severely affecting my credit score. One inquiry on XX/XX/2018, five inquiries on XX/XX/2018 and one on XX/XX/18. 

I have filed a dispute with no solution. This is what is on the equifax website about shopping for auto loans : 'If youre shopping for a new auto or mortgage loan or a new utility provider, the multiple inquiries are generally counted as one inquiry for a given period of time. The period of time may vary depending on the credit scoring model used, but it's typically from 14 to 45 days. This allows you to check different lenders and find out the best loan terms for you. 
All new auto or mortgage loan or utility inquiries will show on your credit report ; however, only one of the inquiries within a specified window of time will impact your credit score. ' I need these 7 inquiries to only count as 1 inquiry as per Equifax guidelines. Please help resolve this issue!!
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

On XX/XX/2019 and on previous date I have sent LVNV Funding several letters asking them to send me a written contract that I signed binding me into a contract with them. They have never responded or attempted to contact me on this debt. They continue to report negatively on my credit report, which is causing me hardship in obtaining credit.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2019 I sent a letter to Bank of America regarding three accounts that were being reported to XXXX XXXX. In that letter I asked for validation of the alleged debt under the Fair Debt Collection Practices Act. I asked them if they could not validate the this alleged debt that it be deleted from XXXX XXXX. 
On XX/XX/2019 I received a response from Bank of America stated that the were " validating '' this debt and also an email stating that I had an outstanding balance. These letters for these accounts were just dollars and cents nothing to officially validate a debt.
Consumer complaint received 2023-03-20
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: AUTOMOTIVE CREDIT CORPORATION (CA)

In accordance to the Federal Credit Reporting Act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the right to privacy. 15 u.s.c 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2017-01-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc. (NJ)

Visited doctor 's office ( XXXX XXXX XXXX XXXX, XXXX, XXXX, NJ ) in XX/XX/XXXX. Paid co-pay amount as per the doctor 's office at the time of the visit. 
Later, we received an invoice for {$180.00} from Doctor 's office. We denied to make the payment as we were not informed by extra payment at the time of the visit. Doctor 's office hired a Debt collection company ( Savit Collection Agency ). They called us few times. We explained them our position. We reported this issue to insurance company. As per the insurance company, Doctor 's office was supposed to call insurance company at the time of treatment to find out and inform patient about total out of pocket cost associated with consultation ( doctor mostly talked about how busy he is during consultation and did n't get any treatment ). We disputed the amount due under collection. SAVIT kept sending letters for collection. 
Finally, we made full payment ( {$180.00} ) to doctor 's office on XX/XX/XXXX via XXXX XXXX credit card. 
Collection agency ( Savit ) never reported to Credit Bureaus that this matter is settled with patient. Intention was to put our credit in jeopardy. 
We opened up a case on a website ( XXXX ) in XX/XX/XXXX as we were interested in buying a house at that time. They rejected case and did n't do anything to fix our credit. 
We see this as an attempt to jeopardize our credit to give us hardship by Doctor 's office and/or SAVIT Collection Agency. 
As we speak, we are in the process getting loan for our new house. Lender is offering us higher interest rate due to my low credit score. I never had any outstanding payment and/or behind on any payments in my life.
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (PA)

Source Receivables management Is still engaging me concerning a XXXX and now defunct XXXX bill where a XXXX  manager did a fraudulent transaction on a XXXX  XXXX stealing the phone and not paying XXXX. This transaction was just before the merge this is well documented. Now they ( source receivables management ) are sending letters and demanding payment for XXXX $ I want this issue resolved I will not pay this fraudulent bill the letter states sending in a police report stop with the nonsense they know I dont have a police report but the companies DO HAVE RECORDED CALLS so they need to reference those calls and source receivables management needs to stop harassing me and get those calls and transcripts from XXXX. This on/off my credit report is annoying for literally years now.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Unfortunately, I do not have dates associated with these things. 

I have contacted Wakefield & Associates multiple times trying to get my debt resolved. My initial complaint was that I had paperwork saying that my debt had been written off 100 %. I contacted them via email asking for an account number and submitting a copy of the letter saying that my debt was written off. No response. 

I then disputed the debt on my credit report. The credit reporting agency said that the debt was verified. Still nothing from Wakefield. 

I disputed the debt again, stating that I have unable to get in touch with Wakefield. The credit reporting agency said that the debt was verified. Still nothing from Wakefield.

I finally was able to pay the debt in full through Wakefield on XX/XX/2019 because I have no other options and my credit score is continuing to go down.
Consumer complaint received 2016-07-22
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Americas Car-Mart, Inc. (AR)

America 's Car-Mart is a used car franchise headquartered in XXXX, AR and operating in XXXX states. They are a publicly traded ( symbol CRMT ) version of the " tote the note '' car lots of old and as such, they participate in a variety of shady and/or outright dishonest practices. 

Car-Mart currently has a promotion that claims you can buy a car for " {$100.00} down '' with signs on the road, signs on the cars, and a sign on the front of the store. But once you go in to inquire about it you find that it actually only applies to a small percentage of the cars they have in stock. And later, you find that it is n't actually {$100.00} down. It is {$100.00} OF the down and you still owe the rest on top of the payments. 

I picked out a car which they said was included in the program - a XXXX Mercury Grand Marquis. And what I found was that once you go inside to actually do the paperwork, the deal changes to, you pay {$100.00} of the down payment and still owe the rest ( in this case, about {$1600.00} ) which they finance on top of your weekly or monthly payment. The result is that you 're buying a car worth maybe {$5000.00} ( per the actual condition ), and you 're paying over {$8000.00} and it is n't {$100.00} down. It is {$100.00} OF THE down which results in payments of almost {$500.00} a month for the couple of months, a lump sum of the rest of the down payment ( in this case, {$690.00} ) and then regular payments of {$180.00} twice a month. If that is n't bad enough the car I pursued had XXXX mismatched tires, XXXX of which looked like they could blow out any day. 

I have a copy of the promotional material which states the terms, a copy of the proposed contract which shows the real terms, and the XXXX XXXX XXXX report which shows the actual value of this particular car.
Consumer complaint received 2019-07-01
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. (MD)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-01
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: Experian Information Solutions Inc. (MD)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

I was attending a yoga class when my car was broken into and personal items were taken from my vehicle including my purse and wallet. The person who broke into my car decided to use my debit card at a XXXX XXXX XXXX XXXX XXXX XXXX, charging over XXXX dollars. When the bank called me about the suspicious charges, I said that I did not make those charges, but I did say the card was in my possession because I did not know that my car had gotten broken into at the time. When I discovered that my car had gotten broke into, I immediately filed a police report and notified Chase. Chase gave me a temporary refund, but reversed the reimbursement, stating that in a letter the payments were authorized. When I called Chase to ask for my reimbursement, they said that there was nothing they can do about it. I have been a long time Chase customer and never had an issue with Chase, but I can not believe how unreasonable they were during this process. I could never spend that much money at a grocery store for just one transaction. I was hoping that they were able to work with me and get me my money back, but they have not contacted me since they said they would reopen the investigation on the fraudulent charges made on my card.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I previously submitted a complaint to the company in which I explained throughout the time I've had an account with them I have never been late paying on my account. However, the company is reporting a 30 day late payment mark for the account to all 3 credit bureaus for the month of XX/XX/XXXX resulting in a significant decrease in my credit score.

The company replied saying, 1. You made payment arrangements on your account ; however, the account was more than 30-days past due when the arrangements were made ; and 2. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$99.00} due on the XXXX of each month. On XX/XX/XXXX, you made payment arrangements to assist you in bringing your account current ; however, the account was past due from XX/XX/XXXX. The account was more than 30-days past due when the payment arrangements were made ; therefore, a 30-day credit mark had already been assessed on the account. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account due to the payment not being made timely. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention. 

I called diligently and regularly to create a payment arrangement on my account PRIOR to the due date and everyday for a week after the payment was due on XX/XX/XXXX. I was then offered an arrangement that does not seem to be recorded. This is not an uncommon occurrence with this company ; the answers and information received varies with every call.