davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Security, Inc. (OK)

I started receiving harassing and threatening phone calls and text messages from a guy who told one of my old coworkers we were old friends whom also lied to me when I asked who the person was and claimed we were friends.After several attempts to get the person to identify themselves he then said he was calling on behalf of a payday loan company and proceeded again to make threats towards myself and my family. I contacted the company and explained all of this to them and asked what was going on and they said i owed money and that was their processor. This loan was from 3 years ago and to my knowledge was paid off in full. i asked to speak to the manager that helped me and they refused to give me any information on the person, I later found out that person was let go from their job I began to explain I just came back into town nd no one has ever contacted me regarding this debt. the person began to cut me off and get very hostile over the phone, i explained all the documents I had I had to locate due to loss of item from a disaster. they refused to work with me and continued to have that guy threaten and harass me and my family, after explaining to the company I do not have a place to live, no vehicle due to the circumstances I'm going through and looking for a new job because right now I'm only making $ XXXX/hr and tried to get a settlement amount and I did not feel comfortable nor safe because of the threats from their processor their response was they don't care and he will continue to harass me. I complained to the district manager and that person was even ruder towards me and lied saying they would have someone else contact me. the next day that guy came into my work place causing a big scene threatening me and throwing papers at me then called me XXXX slurs. I am completely appalled and disgusted by these people and this company. i tried contacting the owners and they never returned my calls.
Consumer complaint received 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

American Coradius International sent me a letter for a XXXX debt of {$200.00}. I dont have a XXXX account and do not owe this debt. The phone numbers on the letter and on the companys website differ which seems fraudulent. 
I have been unable to reach someone to resolve this and this seems to be some sort of mail scam.
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I INFORMED MACY 'S THAT I AM UNEMPLOYED AND ACTIVELY SEEKING EMPLOYMENT AND DO INTEND ON SETTLING THIS DEBT ASAP. I HAVE ASKED THEM TO DISCONTINUE THEIR REPEATED MULTIPLE CALLS ( AT LEAST 7 TIMES A DAY ). 

MACY 'S STILL PERSIST ON CALLING AT LEAST 3/4 TIMES DAILY. 

I HAVE A PROBLEM WITH XXXX AND AM A SENIOR CITIZEN AND THEIR REPEATED INTENTIONAL HARASSMENT CAUSESGREAT HARM TO MY EMOTIONAL WELLBEING!!!!!!!!
Consumer complaint received 2023-03-23
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. (AZ)

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance  : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XX/XX/XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (CA)

I have had multiple incidences where Upgrade has received my payment but holds it rather than applies the payment to my account. Today, when I spoke to them about my payment that has been with them for eight ( 8 ) days and still not applied, the customer service rep said their website payment instructions say to allow them fourteen days ( 14 ) from date payment is received to apply it to my account. 

I believe this is willful fraud to collect late fees from customers and is doing irreparable harm to my credit.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

I opened an account on XX/XX/XXXX with a promotion for {$400.00}. Code XXXX. The promotion required a direct deposit of {$2500.00} and the bonus was to be credited XX/XX/XXXX. I have met the terms with an employer direct deposit and have not received the bonus as advertised. Please help rectify this situation and credit my account with the {$400.00} bonus as advertised. Thank you.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ive disputed info that XXXX is reporting to the credit bureau. In 2018 I settled an account for payment in full and agreed to make monthly payments. XXXX has recently began reporting that Im making late payments. NONE of the payments have ever been late! Every single payment has been on time. They have caused my credit to be lowered and Ive experienced an adverse credit decision because of their negligence. If this is not resolved my next recourse is the XXXX XXXX XXXX or small claims court.
Consumer complaint received 2016-08-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Earnest Inc. (PA)

I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into XXXX, have a XXXX XXXX, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a {$1200.00} mortgage, 10+ years of work experience, XXXX XXXX with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

Hi I have been paying my walmart credit card for the last 7 months. I have been paying it on time never late and the minimum balance or over. I recently was able to pay it in full and thats what I did. I went to check to make sure everything was ok but noticed my balance was low by like {$500.00} so I called them. They informed me they did a random evaluation on me the day after beening paid out and made this choice. But all of this only happened after they were paid out they then told me when my credit up dates then I can ask about a credit increase to my original limit. Oh and when i had to change my address the first time before I received the card they closed the account then opened another one under my name which is the one that is active now. They also tacked on a {$10.00} interest charge to it with know real reason I have never had one in the 7 months of having them. This is a first this has ever happened and it makes no sense my mother has had them for 2 years and has reached her limit multiple times and she has had no decrease to her credit line. But then again she has never paid them in full either.
Consumer complaint received 2019-03-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (FL)

NOTE : I checked the option that showed " Attempt to collect the wrong amount '' because that was the best option. Not the real problem. 
The real problem was that I negotiated a " Pay for Delete '' with this company, and they didn't hold up their end of the bargain and delete the information from my credit file.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

In XXXX I went to XXXX XXXX XXXX  to get XXXX  in my finger. Weeks later I received a bill for over {$1100.00} that I paid in full. In XXXX over 13 months later I received a bill from XXXX XXXX for {$5200.00}. I asked for an itemized statement on what the bill was for since I had not been back to the hospital, and never received any list of charges or reason for the bill. I have been in collection from an agency called Grant and Webber for a claimed debt from XXXX XXXX ever since. I believe this is incorrect information.
Consumer complaint received 2016-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (AZ)

Sallie Mae continued to contact my wife 's phone number after I specifically asked them to remove the number during a phone call regarding the student loan on XXXX XXXX. I had called them on this date to settle the account and attempt to pay in full. Between the dates of XXXX XXXX to XXXX XXXX, they contacted her at least 27 times, and again on Monday XXXX XXXX, she asked them to stop calling her. The evening of XXXX XXXX, I paid the account in full online and since the harassment has stopped.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CADENCE BANK (TN)

On XX/XX/XXXX I received an alert from my credit monitoring account that my mortgage was reported as being more than 4 payments past due, and that a payment had not been received since XX/XX/XXXX. This caused my credit score to drop by XXXX points. I was perplexed by this because my mortgage has been in a COVID-19 Forbearance since XX/XX/XXXX. I also had not received a past due notice by mail, or any phone calls regarding my mortgage being past due and in collections. According to my Forbearance agreement I am to check in every 3 months with my Loss Mitigation specialist to provide an update relating to my employment/financials. I last spoke with my specialist ( XXXX ) XX/XX/XXXX and she advised that she would keep my mortgage in the Forbearance status because the notes show that I am currently working with the TN HAF and to check back in with them in 3 months. My mortgage statements ( see attached ) from the last 3 months ( 90 days ) show the status as COVID-19 Forbearance and there have been no late fees or additional fees incurred. If I have been past due since XX/XX/XXXX foreclosure would have taken place by now. 
I placed a call to the mortgage company on XX/XX/XXXX because of this matter and was told that it was past due from XX/XX/XXXX. That can not be, nor is it the case. My mortgage has been, and is in a COVID-19 Forbearance. I have received no notice that it had ended, nor have I received the REQUIRED exit documents that should be provided once the forbearance ends. It is required by law for me to receive those documents and to establish a repayment plan. It is also illegal for the creditor ( Bancorp South/Cadence ) to report negatively to a creditor in regards to that account. The creditor has caused damage to my credit, and it will likely cause my credit lines to be decreased. I am depending on those credit lines while in this predicament. This should be corrected and updated immediately. Please note that before the start of my forbearance my account was current. 

I would also like to add that I received a call on XX/XX/XXXX from the creditor checking my status. I advised her that it was in a forbearance, and asked why she was calling me. She provided no explanation and then transferred me to XXXX. I left a message for XXXX that day, XX/XX/XXXX, as well as 3 days later on XX/XX/XXXX to see why someone had called me. On XX/XX/XXXX I learned that I had been reported as negative and upon speaking with a representative on XX/XX/XXXX regarding this issue I was advised that she was no longer there, and that her voicemails were not likely checked
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MiraMed Revenue Group LLC (NY)

Hi, On XX/XX/2021 Miramed Revenue Group placed a Collection item on my Credit Report for the amount of XXXX. 
I have NEVER EVER received a collection letter from this or any other entity regarding a medical bill for XXXX. 
I asked for any proof what-so-ever of debt or a copy of a bill sent to me and they were not willing to provide. The rep I spoke to admitted that they had the wrong mailing/billing address on file. 

It is not Okay to place an account in collection on a Credit Report without giving a chance for the customer notice of, chance to review or pay the claim. 

I kindly ask that this item be removed from my Credit Report ASAP.
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed collection accounts multiple times from all three credit reporting agencies to include Transunion, XXXX, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. Transunion has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

COLLECTIONS/ CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION. 

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AL)

Was scammed out of {$400.00} through Zelle through my bank XXXX. {$250.00} on XX/XX/XXXX and {$150.00} on XX/XX/2022. Didn't realize it was a scam until they asked for more money.
Consumer complaint received 2021-06-15
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. (CA)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-09
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. (PA)

Equifax has handled a few disputes related to the account XXXX XXXX/ XXXX XXXX on my EQ credit report. Virtually no corrected information has been updated or added to the account has happened. 

XXXX XXXX  in XXXX of XXXX sent me a letter after a complaint was filed with the the cfpb containing what they claim is the correct account information and history for the XXXX account. using that same letter with information compared to the info listed on my EQ CR payment dates are incorrect, date of first delinquency is as well and other errors are present. 

unfortunately i have yet to dispute the account with the info in the XXXX letter, because a dispute filed on XX/XX/XXXX D # XXXX is currently at 43 days and counting. which includes an incomplete dispute of the XXXX  account. ( tried to update and cancel dispute early on, was turn down ) The account listed on my CR as XXXX is a charged off ( XX/XX/XXXX ) and closed account that was sold off ( XX/XX/XXXX ) and XXXX XXXX is no longer collection *above info taken from XXXX letter to me. * In XXXX of XXXX and XX/XX/XXXX EQ has listed C/O 90 day late payment negative marks on my EQ CR. for an account that has been closed since XX/XX/XXXX these countless errors in reporting this account has caused my credit great stress. but the erroneous missed payments for a closed account of over 5 years before has been a black mark on this CR for over a month. it single handily was the reason i was denied a car loan refinance 2 weeks ago. that 120 plus dollars a month and interest rate cut that i was depending on greatly for budgeting going forward. this account and its errors have been ignored across all 3 CRA to the point its laughable. But the parent company sending me a letter that contradicted all the almost all listed info in the accounts, should have fixed the issues. But, no EQ listed more errors and have left a dispute open over 2 weeks past 30 days keeping me from trying to fix this account.
Consumer complaint received 2016-09-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bridgecrest Acceptance Corporation (AZ)

Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. 
My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information to the credit reporting agencies.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

As instructed, I sent {$150000.00} by wire transfer to the mortgage servicer, which was confirmed, in order to recast the mortgage. The new payment and terms were confirmed in a letter from the service provider and thereafter, I proceeded to make the new monthly payments as instructed. 
Shellpoint : a ) Refuses to recast the mortgage ; b ) Has wrongfully impacted my credit rating ; c ) Is now no longer accepting my monthly payments ; d ) Has wrongfully marked the account as past due ( since they are refusing payments ) ; and, e ) Refuses to return my {$150000.00}.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted FTC report # XXXX on XX/XX/XXXX disputing XXXX XXXX XXXX on my Trans Union credit report. The account was removed from my Trans Union account on XX/XX/XXXX, however, the account reappeared on my TU credit report once again on XX/XX/XXXX. This time the account status displays as a joint ownership instead of the previous individual owned account status. This account does not belong to me nor am I a joint or co-owner to this account and I'm once again requesting its removal. 

Extracted from a certified Affidavit sent to XXXX XXXX XXXX which they received on XX/XX/XXXX, and have yet to responded : XXXX XXXX XXXX must herein provide a true and certified original of the audit trail under penalties of perjury of said accounts, Pursuant to 15 USC 1692G of the FDCPA. Furthermore in order for XXXX XXXX to validate please provide verification through debt entry in accordance with XXXX, BASEL 3 accord and the XXXX Conventions. I would also need a certified copy of an original contract with my wet ink signature between XXXX XXXX XXXX and myself providing that XXXX XXXX XXXX is the holder in due course of the original debt contract and a certified copy of your tax registration certificate. 
Any certification not received by certified mail under penalty of perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under penalties of perjury please settle these accounts immediately with 10 days.