davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: Forster & Garbus LLP (NY)

My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from Forster and Garbus, LLP. 

First, Forster & Garbus, LLP recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay XXXX ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by Forster and Garbus and the XXXX, XXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and Forster and Garbus, LLP & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the New York City XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from Forster & Garbus, LLP over the years and to now for them to file a lawsuit and not properly notify me is illegal.
Consumer complaint received 2019-01-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JH Portfolio Debt Equities, LLC (NV)

In XX/XX/2017 I defaulted on a series of credit card payments due to severe health conditions that resulted in the loss of my job and income. I had to let my credit cards fall into default and subsequently collections. 

Since then my account has appeared to have been repeated sold to several different collection agencies and I have received a variety of different offers to resolve it, but due to the speed by which the companies have changed hands and all the varying amounts by which the account can be " supposedly '' settled I am at a loss for action here. I don't know whether or not my account is legitimately open for resolve or in fact if I am being gamed. As such I am looking for resolution or forgiveness, but before then it was recommended that I put forth this information to the CFPB. So that I could at the very least have some more pushing power with the " current '' collection agency. They've been pretty pushy and in the past my conversations with them have left me at a loss for actions. 

The current holder is XXXX XXXX XXXX? And the creditor XXXX XXXX XXXX. 

Can you please help me here?
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (MI)

This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$520.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verificaiton and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Consumer complaint received 2019-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I am filing a complaint with Navient Student Loan Service regarding my most recent payment dated XX/XX/2019. Their website under my account summary says I still owe {$95.00} for XX/XX/19. They also did not carry out my allocation request when I spoke to them on XX/XX/19.

OnXX/XX/19 I submitted a payment of {$1000.00}. The minimum balance due on XX/XX/19 was {$170.00} ( please see attached XX/XX/2019 pdf file ). 

I also called Navient on XX/XX/19 and asked them to allocate {$880.00} against Loan 1-01,  and {$110.00} against Loan 1-02. I was assured this would happen and that the website would update in 24 hours to reflect the allocation request. 

When I went to the website it says I still owe {$95.00} ( see screen snapshot from their website, pdf file Account Summary XX/XX/2019 ).
Consumer complaint received 2019-09-10
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: REGIONS FINANCIAL CORPORATION (TX)

I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Consumer complaint received 2018-11-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation (GA)

We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, XXXX XXXX. Somewhere down the line, a new provider, Bridgecrest, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent Bridgecrest payment of {$290.00}. Please visit www.bridgecrest.com for full details. For help : HELP. To opt out : STOP.

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

I HAVE BEEN TREATED SO BAD BY THIS CREDIT CARD COMPANY XXXX XXXX XXXX.. I HAVE TRIED TO FILE FRAUD WITH THEM THAT HAD BEEN ON MY CREDIT CARD FOR A WHILE NOW AND THEY WILL NOT HELP ME AT ALL. THEY CLOSED THERE ACCOUNTS AND ARE NO LONGER IN BUSINESS I BELIEVE AND NOW THEY WONT HELP ME AT ALL.. I WAS CHARGED FOR SEVERAL CHARGES ON MY ACCOUNT AND I NEVER AUTHORIZED THESE TRANSACTIONS OR DID BUSINESS WITH THESE SAID COMPANIES. I WAS SPEAKING WITH THE SAID COMPANIES BUT NEVER DID BUSINESS BECAUSE I WAS UNDER THE INFLUENCE AND WAS NOT ABLE TO MAKE THAT DECISION AT THE TIME OF THEM TRYING TO GET ME TO PAY THEM. WELL THEY ENDED UP GETTING MY INFO AND CHARGING MY ACCOUNT WITHOUT MY CONSENT WHICH IS ONE AGAINST THE LAW IF I WAS UNABLE TO MAKE DECISIONS UNDER THE INFLUENCE AND I NEVER AUTHORIZED THESE TRANSACTIONS TO COME OUT OF MY ACCOUNT. THIS IS SENIOR CITIZEN ABUSE AND THIS IS NOT RIGHT. PLEASE HELP ME GET MY MONEY BACK FROM THIS CREDIT CARD COMPANY THAT WILL NOT HELP ME ESPECIALLY NOW THAT THEY ARE GOING OUT OF BUSINESS OR WHATEVER THEY ARE DOING. I LIVE ON A FIXED INCOME AND CAN NOT AFFORD TO PAY FOR THIS CREDIT CARD BILL AND SHOULD NOT HAVE TO IF I NEVER AUTHORIZED ANY OF THESE CHARGES. THANK YOU FOR YOUR TIME IN THIS MATTER
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CT)

On or about XX/XX/2018, I made an application online with Chase Bank for card member services business credit card. After time, i called and Chase said that they could not receive my documents or that way I'm sending documents ( faxed ), it looked like it could not be verified by myself. So, I went to the downtown XXXX XXXX Connecticut branch office on XX/XX/2018, then, they sent over documents on my behalf to cardmember services department. I have been getting run around saying that it's denied but, they only said they the way their receiving documents and someone else using my name, which I didn't know about.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This company illegally added an Extended Fraud Alert ( Expiration Date : XXXX/XXXX/XXXX ; Date Reported : XX/XX/2023 ) without my knowledge, written or verbal consent to my credit report..
Consumer complaint received 2019-09-10
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. (CA)

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I XXXX but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (PA)

I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know. 
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for. 
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number. 
Several times the all is a automated robotic voice again from The same company but using a different number.
Consumer complaint received 2018-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (SC)

This has been an ongoing situation that I have addressed with the mentioned bank so there are multiple dates and various amounts involved.I have tried both emails and phone calls to try and resolve this problem. 

I was instructed by South State Bank to make my loan payment online or I would have to pay a {$10.00} fee. Whenever I make an online payment for a principle payment only to bring down the balance, the payment is made towards interest that is not due yet first with the remainder going towards principle even though I clearly state in the memo line " APPLY TO PRINCIPLE ONLY '' as I was instructed to do. I then have to call the bank two to three times and wait on hold each time to get the payment applied properly. Even then it takes several days for the payment to be corrected. I have spoken and emailed Mr. XXXX XXXX as well as other bank associates on numerous occasions about the additional costs in interest and the waste of my personal time but nothing ever changes.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

This company illegally added an Extended Fraud Alert ( Expiration Date : XXXX/XXXX/XXXX  ; Date Reported : XX/XX/2023 ) to my credit report without my knowledge, written or verbal consent.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (CO)

I financed a new XXXX XXXX XXXX with {$5000.00} down payment ( total price {$53000.00} ) and 0 interest for 72 months at XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX  , CO ). Today ( XX/XX/XXXX ) the dealer told me I must pay {$26000.00} more down payment otherwise I have to return the car, and charge {$99.00} dollar per day for the 10 days I drive. They have carefully checked my background before signing the contract. If they can not make the deal why not just tell me at the beginning? The monthly payment has not started yet ( will start from XX/XX/XXXX ) but they broke the contract already. I can not pay for the extra {$26000.00} dollars immediately. But if I return the car I need to pay {$1000.00} for the miles I drove these days ( just 200 miles ). This is absolutely a defraud and robbery. Assuming I have the money and paid for the extra down payment, what about after I drive for three months and they force me to fully pay for the car. If I don't have enough money at that time, they will charge me more money for the miles.
Consumer complaint received 2018-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

This company has reported on my credit an amount {$470.00} without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred XX/XX/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf.
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Sent previous dispute to collection agency along with previous correspondence informing the debt is not validated and that I do not have any delinquent accounts with creditor. Also reached out to creditor XX/XX/18 to confirm that there aren't any past due or charged off accounts. Any account I previously held with creditor has been paid in full and is reflected as such on my credit report and my current account with the creditor is in good standing.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a purchase with my credit card from capital one in the amount of XXXX at XXXX XXXX XXXX. I authorized my card to be used as a credit card. It is not a debit card only a capital one credit card. Capital one ran the charge as a wire transfer and then charged me an extra XXXX in cash advance interest and a XXXX cash advance fee. When I spoke with capital one, they informed me that the merchant ran the card as a wire transfer. The merchant responded that they can't do that and ran it as a credit card. I have used another mastercard at this merchant without a problem in the past. Capital one has ran my card in an unauthorized manner in order to charge higher interest and a cash advance fee. I would not have used my card if I had known it would be considered a cash advance.
Consumer complaint received 2018-11-29
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. (FL)

UNIV OF XXXX has an account on my report from XX/XX/XXXX. They have not contacted me as to debt owed. I had grants and student loans. The information is old and should be off of my report. They are showing the last payment as XX/XX/XXXX to try to keep the account on my report longer than lawful. The information is inaccurate. And all of the other bureaus removed it but Equifax wont.
Consumer complaint received 2018-11-29
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)

I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.
Consumer complaint received 2018-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FC LENDING, LTD. (TX)

FC Lending offered interest rates on a mortgage loan based off of an inaccurate credit report and credit score. I had a legal name change and informed them as such, as well as providing a letter of explanation dated XX/XX/18. The credit score they provided from XXXX XXXX was approximately 50 points lower than what it actually is. I do not feel that the rates offered reflected my credit worthiness. FC Lending offered me 4.625 % with 1.5 % discount points and PMI of 0.66 % versus an LPMI rate of 5.25 % with 1.5 % discount points. Before discovering the inaccuracy, I locked in the LMPI rate which is set to expire XX/XX/18. Based off of my actual credit score and credit report, the new lender is able to offer me a much better rate that not only saves me money initially but also in the long run. I have informed FC Lending of the inaccuracies but they are not willing to correct their mistake. I feel like this is predatory lending. I have already switched lenders, but the builder, XXXX XXXX, is threatening me with termination of contract in an effort to force me to use their preferred lender, FC Lending.
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX, we have contacted Chase at the auto service line XXXX, had numerous conversations with customer specialist to obtain duplicate copy of the title for our paid off auto loan from XX/XX/XXXX. Without the pink slip/title, we are unable to sell or get rid of the car. There were so many back and forth with the customer service line, them telling us one thing after another, and nothing really being resolved. They kept mentioning about California State being complicating and finally gave me a name. With that, Chase representative told us to fax the request and we did to the specific fax line on XXXX/XXXX/XXXX and have never heard anything back. 
We now have a ticket from the police to fix the license plate for the car, but we are stuck because we can not get the plate ordered through the DMV due to pending of this title. Chase needs to provide the pink slip or the release of title. They have failed to follow through on numerous occasion. Even though this is a closed account/loan, they have the responsibility to provide all the necessary documents to release the the title and resolve this with DMV ( department of motor vehicle ).
Consumer complaint received 2022-02-16
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. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Relations, After reviewing my credit report yesterday. I noticed that a employer was added to my credit report. XXXX XXXX  should not be on my credit report and please move ASAP. Not sure why employers and inquiries are on my report I don't have enough credit to apply for anything. All inquiries in the month of XXXX needs to be deleted. 

Thanks XXXX XXXX