davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (VA)

in XX/XX/XXXX of 2019 i emailed the company that i was changing bank accounts. and they kept withdrawing from a no longer used account causing damages to the bank account i incurred over {$300.00} in overdraft fees on this account plus their payment totaling in over {$900.00} with the banking fees.. earlier this month inXX/XX/XXXX of 2019 did i get a e-mail asking for my new account information via this e-mail they sent which i know for a fact this is a security threat to the banking system and no one should reply to any e-mail with a bank account number. 
every time they call i state they have a balance owed on a bank account that was over drawn and they still state that i owe a balance.. this is a stale mate situation.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

my   XXXX   XXXX   XXXX   was declared a total loss after a hail storm on XX/XX/XXXX . My insurance company  XXXX  immediately sent a check in the amount of {$6800.00} dated  XX/XX/XXXX . I began calling Santander every few days to see if the balance had been applied to my loan so that we could move forward with getting GAP to pay the remainder of the loan. it was almost 3 weeks when I asked to speak with a manger worried the check had become lost. the manager assured me it can take some time to process and not too worry, i advised that my insurance company was also concerned and if much more time goes by they will consider stopping payment. A few days later the check was cashed, and I began asking them to please send GAP the forms needed to process the rest of the claim. Santander assured me they had already sent the needed documents and would refax them, all the while  XXXX  denies receiving them. Well a few days after the {$6800.00} was applied it was deducted from the account bringing the loan back to the full amount owed before the total loss. Santander assured me the payment was stopped on the check,   XXXX   proves it was not stopped.   XXXX    is now sending me nasty letters advising if they do n't get the info they need in 20 days they are closing my GAP claim. my loan is now 36 days past due and counting. My insurance company has spent numerous hours arguing with santander as well as myself. I have gotten no where, it 's ruining my credit, and now i 'm in a time crunch for my gap claim.
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for paperless billing years ago and as a result would receive an email notification of my bill - when it's due, amount due, etc. I also downloaded the app so that when I do get the email notification I can go right on the app to make a payment. Capital One seemingly wants to make it easy and user friendly. 

Here 's the problem. 

Many, many months ago they stopped sending the email billing notification ( and also didn't reinstate the paper bill. ) I checked my email in case I had inadvertently blocked the email address ( I didn't ), and then went on the app to make a payment because I realized by now I must have been late. I was. And was charged late fees. 

Here 's what I saw on the app when I went to make a payment - a small notification at the bottom of the home screen that says if I wanted to keep getting an email billing notification I had to logon to the website at least once during the year. A. why is the app even available if it doesn't count that you use it to make payments? and B. why do I have to go on to the app to see this type of notice? 

It's pretty obvious that this is a tactic to collect late fees because people may not notice a missing email from Capital One. They don't send red flag SOS notices if you're late, or a notice to remind you to log on at least once to keep getting emails. I bet Capital One 's income as a result of late fees has close to doubled if not more. This was the first time I saw this notification on the app after using it monthly to make payments - the notice wasn't there previously. 

I ended up reinstating a paper bill which I also NEVER received. So, to confirm - no email and no paper bill. 

I closed my account today. 

It was all done through electronic prompt. I never got to speak with anybody about it - no customer retention or interest in why I was closing. Not unexpected.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NV)

I receive letter from Cedar Financial. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX ). In the letter, it shows that I made reservation on XXXX. I asked them send me the evidence. After I receive the page of their evidence, it show that is action by other person who lives in XXXX XXXXXXXX, CA, I don't live in XXXX XXXXXXXX, CA. I call them to dispute. Let them know they made mistake. And send a letter to me release me from this case. They say they don't send such letter. They don't want admit they make mistake.
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BBVA FINANCIAL CORPORATION (AZ)

It is not the denial that is the issue. i was told that if I applied and got denied for that term I could apply for a different term and not re-run my credit. Well i was going to add my husband and all of a sudden they wanted to re-run my credit. I didn't do it but I wouldn't have let them in first place and why i asked, they said my credit was good for 30 days then that changed. This same bank ran our credit twice for a mortgage loan. these multiple hits hurt us and I do not agree with this.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express sent me an offer for  XXXX  pt bonus for Amex business card with special code. I called and verified I was cleared to receive this promotion even though I had this card previously. No where on the promotion does it say I would not be qualified to receive the promotion. The card was approved and I spent the {$5000.00} amount to wualify for the  XXXX  pts. I even called once I spent the {$5000.00} and they said I would receive the   XXXX   pts once I paid the {$5000.00} in full, which I did. I followed back up for my   XXXX   pts and at that point they said there policy had changed and that since I had this card previously and although it had been closed I do not qualify for the  XXXX  pt promotion. I have disputed this with them to no avail. They said they would send me   results in 30 days which now they say they dont even have dispute in system.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO. (NY)

I received a folder with a letter dated XX/XX/XXXX, from Chase Executive Office trying to delete the trade line. Absolutely not. I do not want Chase to delete the trade line FROM AMAZON/CHASE CREDIT CARD ACCOUNT ENDING IN XXXX OR ANY ACCOUNT I HAVE WITH CHASE. 
ALSO, MY COMMUNICATION WITH CHASE WILL BE IN WRITING ONLY AS I COMMUNICATED IT WITH CONSUMER FINANCIAL PROTECTION BUREAU AND A STAFF FROM CHASE EXECUTIVE OFFICE BACK IN XX/XX/XXXX. I WAS IGNORED BY CHASE WHEN I TRIED TO REACH THEM AND SENT BACK TO AMAZON. 
With the letter dated XX/XX/XXXX, there were Amazon/Chase Credit Card Statements from XX/XX/XXXX to XX/XX/XXXX. I have complaints made against those Credit Card Statements from Chase. ( See Complaint # XXXX submitted XX/XX/XXXX and Complaint # XXXX submitted XX/XX/XXXX ). Both Complaints are still standing. There were no clear answers given to my questions by Chase. All I received were lies and inconclusive answers. Now I am wondering what kind of scheme is Chase planning against me by sending me a Credit Card statement on XX/XX/XXXX, from XX/XX/XXXX? 
IN THE SAME FOLDER DATED XX/XX/XXXX, THERE IS AN AMAZON/CHASE CREDIT CARD STATEMENT DATED XX/XX/XXXX SENT TO MY ATTENTION, CONSUMER FINANCIAL PROTECTION BUREAU, AND NEW YORK DEPARTMENT OF FINANCIAL SERVICES, ATT : XXXX XXXX, AGENCY CASE XXXX?. ( SEE STATEMENT ATTACHED ). 
MY QUESTIONS TO CHASE EXECUTIVE OFFICE ARE : 1 ) WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT IN THE FOLDER DATED XX/XX/XXXX? 
2 ) WHAT IS THE PURPOSE AND REASON OF SENDING THE STATEMENT FROM XX/XX/XXXX? 
I NEED A FULL OF EXPLANATION OF WHY THE STATEMENT FROM XX/XX/XXXX WAS SENT?
Consumer complaint received 2019-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (KS)

Had a medical debt of {$1500.00} owed to XXXX XXXX XXXX company for an incident that happened on XX/XX/XXXX. They billed me to the wrong address and I never received it so it went into collections with the Aargon agency. However, XXXX XXXX never billed my insurance company at the time which was XXXX XXXX. I was having trouble getting the correct documents to dispute the case so that XXXX can pay the bill and in the meantime I had paid Aargon agency 2 payments of {$320.00} on XX/XX/XXXX and XX/XX/XXXX for a total of {$640.00} so that this would not affect my credit. I had been working with XXXX XXXX ( XXXX ) ext XXXX and also the XXXX XXXX ext XXXX at the time. I finally got the appeals department for XXXX XXXX who I was working with XXXX XXXX ( XXXX ) to pay 100 % of the XXXX XXXX XXXX and they sent the whole {$1500.00} to Aargon Agency. When I called Aargon agency to make sure they had received the payment in early XXXX, XXXX had told me they had received it but XXXX XXXX should be giving me my refund which I thought was odd because they have the payment of XXXX. However, when I called XXXX XXXX they had told me once again that Aargon Agency needed to pay me the refund. This has been going back and forth and I have tried to email XXXX at his email XXXX XXXX different times about this and there has been no response. He had told me he sent an email to the department that handles things but hasn't given me any update. Everytime I call I get the same answer and it has been almost 2 months since this was paid in full. I would like to get my money back which I deserve from the Aargon collection agency of {$640.00}.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

I was contacted by Evergreen Professional Recoveries two days in a row while I was at work. The first call was on Wednesday XX/XX/XXXX and the second phone call was on XX/XX/XXXX. On the XXXX they call my work phone which was not given to them and left a message with one of my co-workers.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

I am filing this complaint due to the companies lack of valid debt as well as their refusal to acknowledge a dispute. I contacted this organization on XX/XX/18 at XXXX XXXX to advise them of a dispute in regards to 3 accounts that they allege is owed. Upon advising the company that I am disputing these accounts and that they contact their client to discuss the reasons, I was advised that I need to explain my dispute to the rep or my dispute was not valid. I again advised rep that her personal opinion as to whether or not I have a valid dispute is irrelevant and all she is being advised to do is Dispute the account accordingly. She refused to do so. I then advised company that they no longer are to contact me via phone or mail at which time again I am advised that they do not need to acknowledge my dispute or demand they cease and desist and I need to send them something. Since they are refusing adamantly to address their improper records for 3 accounts that are disputed this complaint is being filed. Hopefully this company and its employees will correct their incorrect demands as well as cease from ever contacting me in any form whether phone, mail, email or any other methods. I will also demand that no negative marks be placed with the credit bureaus due to this companies erroneous and frivolous accounts or a lawsuit will be filed due to violations of FDCPA as well as FCRA requirements.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have sent several documents into Equifax asking them to remove this bankruptcy from my credit report. On  X/XX/2016    they sent me a letter  (  #  XXXX   )  saying my BK had been dismissed / discharged send in proof. I sent in my discharged BK paper .Then t hey sent me a copy of my credit report wit false information stating listed that Georgia  Fed  eral Court -Atlanta is source verifying my BK. Georgia Federal Courts do n't report to third parties. and they do n't report to credit bureaus. That is false information being reported on my credit report.
Consumer complaint received 2021-06-11
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. (TX)

There are so many mistakes on my credit file ones that even say " authorized user '' I have disputed several times and nothing is being done. Please help me get this taken care of XXXX/XXXX  / CHARGED OFF ACCOUNT - THIS DOESN'T BELONG TO ME REMOVE THIS XXXX  XXXX XXXX  CHARGED OFF ACCOUNT - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS XXXX XXXX - THIS DOESN'T EVEN BELONG TO ME REMOVE THIS
Consumer complaint received 2023-06-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I submitted a FTC report twice, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to XXXX and Equifax, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over 90 days now.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (FL)

XX/XX/2021 I contacted XXXX and I was out of work. I logged in to make the my Carnote payment on XX/XX/2021 but it was drafted XX/XX/2021 Bridgecrest reported a 30 day Flag on my credit report. Ive called Bridgecrest over 10 times to see about removing the 30 day notice but Im not getting any answers and there Dispute Department doesnt speak with customer. I ask the customer service agent about a good will adjustment but I was told they dont accept the letters. At this point I dont know what else to do..
Consumer complaint received 2021-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NH)

We refinanced our home and paid off our mortgage withe The Money Source. The closing was way back on XX/XX/XXXX, XXXXThe Money Source was supposed to mail us an escrow refund check in the amount of {$1900.00} within 10 days. As of today, XX/XX/2021, we still have not received our escrow refund. We need this refund asap. Please help us.
Consumer complaint received 2019-06-23
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. (NC)

Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX : {$4300.00} XXXX XXXX XXXX-BAL : {$6400.00} | {$4800.00} | {$1100.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, I-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-06-23
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: Experian Information Solutions Inc. (TN)

I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. XXXX, XXXX, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (DC)

This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX. 
The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX. 
I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then. 
I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''. 
I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me. 
Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement. 
" XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me. 
I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title. 
I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.
Consumer complaint received 2018-01-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

They are foreclosing on my home when I have completed the Modification papers faxed them mailed them they claim to never have received them on 4 different occasions. They deliberately stalled with excuses until they could claim it was to close to foreclosure sale date to stop the Sale. I have repeatedly asked for verification because all the statements I have received from the 4 different servicers are different they just ignore my requests. They have called my former employer trying to collect the debt.