davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Letter received dated XX/XX/2020 Collection agency Enhanced Recovery Company LLC, Doing Business As, XXXX XXXX XXXX ERC, XXXX XXXX, XXXX, FL XXXX, or XXXX XXXX XXXX, XXXX, FL. XXXX, demands cash payment or check for {$3400.00}, money not owed. 

I checked with XXXX. No record of acct. 

I checked XXXX Credit Report. 
No amt or activity from XXXX XXXX XXXX XXXX 

Fraud apparent.
Consumer complaint received 2021-01-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

I have received at least 56 calls that I have kept track of since XX/XX/XXXX, and I received numerous calls prior to that date, from Transworld Systems. In addition, the calls have been escalating since the beginning of the year, with an additional 8 calls, the most recent of which was received on XX/XX/XXXX. No amount is ever communicated and no information is given to identify the alleged debt - only that they are attempting to collect a debt. I have tried to return the call ; however, I have never been given the option to speak to a person. Every communication is a recording which leaves a telephone number ( XXXX ) and the name " XXXX XXXX. '' I have never been able to reach a live person at the contact number given.
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc. (CT)

Avant considers non-receipt of loan in amount of {$6800.00} as fraud when loan was applied for by myself, appears loan amount deposited into incorrect account number. Avant replied to prior CFPB complaint in part by issuing a fraud packet, when in fact the issue appears to be technical in nature, not fraud. Further, they refer to calls made to Avant regarding high interest rate, credit score not taken into consideration at time of application.. Calls were made prior to request lower rate, Avant refused, their rep by the name of XXXX XXXX unable to resolve matter. Further, funds were deposited into incorrect account, partial payment ( s ) made and ceased due to unresolved issue with interest rate and non-receipt of funds. Avant attempted to collect on debt by reporting amount to credit bureaus including interest, account later charged off after unsuccessful attempts. Avant simply needs to remove account from credit reporting, in which case, Avant remains evasive about matter, provides number to make payment in which case, no payments will be made. Failing to remove account from credit reporting, account will be removed from credit file after seven years, all negative/derogatory information removed.
Consumer complaint received 2022-08-11
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: Possible Financial Inc (MO)

On XX/XX/XXXX there was a false identity theft report made by someone other than myself. On XX/XX/XXXX, I had an address added to my account which was fraudulent. On XX/XX/XXXX there was a federal XXXX student loan opened in my name as well. I filed police reports, FTC, and Identity Theft with the FBI. 

This company was notified once before these accounts were not mine, and never have been and they were informed of the identity theft matter beforehand. It once again was reported to the credit bureaus that I had yet another account from this defendant. I contacted them numerous attempts were made and only got automated replies and responses. 

On XX/XX/XXXX after multiple messages, and attempts to contact such said business, I have sent a refusal to pay letter certified, and according to FCRA regulations, this defendant has violated said letter by not removing said alleged debt from any and all reporting reports. A certified letter document was received on XX/XX/XXXX in their office. 

Refusal to pay guidelines to mandate immediate removal of and all reporting such actions from plaintiffs credit profile. Following received the letter, the defendant made violation of sending an electronic document to email. 

This complaint has two ( 2 ) violations on hand.
Consumer complaint received 2019-02-23
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. (GA)

accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

Multiple calls a day, including calls that stack on top of each other like minutes between phone calls, I have asked them to stop calling many times and told them I would report them if they did not stop, they continue to call. Today XX/XX/XXXX at XXXX they called twice so close to each other that the time stamp for both calls in my phones logs are stamped for XXXX and XXXX. A day before at XXXX and XX/XX/XXXX XXXX stacked calls at XXXXXXXX XXXX and XXXX they are calling like this non stop even after I have asked repeatedly for them to make no more contact. They constantly change the phone number they call from as well as if it were an attempt to hide who they are
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is saying that I authorized purchases in which I did for the amount of {$500.00}, however, {$1300.00} was charged by the merchant and I only used {$500.00}! Td bank is telling me an error didnt occur when I know for a fact that it did! I only authorized {$500.00}!! They dont send any proof or anything for the transactions all they do is tell me and Im supposed to be ok with that! No, I am not ok about something that I did not authorize enough is enough! I can not afford to pay for something that I did not do! I find this extremely disturbing that they have no proof but are trying to take the money out of my account! Public information is not proof of a purchase, my name and address? Come on I have a public record and you can get that information from there without any of it being redacted!
Consumer complaint received 2021-05-23
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.
Consumer complaint received 2019-06-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WILLOW BEND MORTGAGE (TX)

I started my loan application in XX/XX/2019 with a company called XXXX XXXX. They transferred to Willow bend mortgage during the loan process on my file. The entire process was not professional and it took me calling the main contact XXXX XXXX XXXX times without no response back A WEEK BEFORE CLOSING. XXXX XXXX, loan officer and XXXX XXXX, neither of them gave me the decency to talk to me about my loan. They did not care about what I was going thru because of their non communication. I had to find the name of willow bend mortgage on the internet and realized that XXXX XXXX is not even affiliated with them which made me even more confused. Finally I was able to talk to the operations director XXXX XXXX and she had the time to talk to me to help me - sad nobody else could help me to answer my questions!!!!!! and ended up closing the loan and I closed on it last week. I have never been so disgusted in my life of how this company treated me in the merging of companies. Not only am I at risk for loosing my job from missing days fro. Work thinking I would be closing but the stress this has caused for me and my family is something that has LITERALLY scarred me. People need to be aware of this. The breakdown I had from this has pushed me into a XXXX. All because I wanted my own dream home. Never again.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Account has several addresses with inaccurate spelling. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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: Mercedes Benz Financial Services (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

Navient Account # XXXX SSN XXXX I graduated from XXXX in XX/XX/XXXX, upon which my three ( 3 ) Federal Loans were activated. I was currently on an income-driven repayment plan with a total payment of approx {$510.00} per month, increasing over time. In 10 of the 12 months my payments exceeded the amount due, meaning I am paying my loan at a faster rate than the standard 10-year payment plan. <P/>Last week I requested to update my income-driven repayment plan as I switched jobs and took a pay cut. I also currently work abroad in XXXX XXXX, earning XXXX instead of USD. Over the last 2+ years the XXXX to USD exchange rate has been diminishing. <P/>I submitted the IDR Plan Request on XX/XX/XXXX. On XX/XX/XXXX my IDR Plan was approved. My monthly payment INCREASED from {$510.00} to {$890.00}. In XX/XX/XXXX I reported foreign earned income of {$20000.00}. It does not make sense that my monthly payment INCREASED to {$890.00}. This is 47.8 % of my monthly income. <P/>What I suspect happened is that they read my pay stubs ( reported in XXXX ) as USD. Rather than XXXX for example, they may have read it as {$250000.00}? Not sure - but this is the only explanation. <P/>When trying to contact Navient, scheduling a call back is the easiest so I do n't have to spend hours on hold, but they only accept US-based telephone numbers. I am not based in the US and therefore can not use this option. I am currently on the line with Navient ON HOLD. I was quoted a wait time of 10-13 minutes and it has now been 55 minutes. Speaking to them is nearly impossible.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (TX)

This debt was judged in my favor through the court system. I disputed for it to be removed from my credit file with the credit reporting agencies and debt collection company along with proof that the debt was judged in my favor. The debt collection company failed to remove this account from my credit file after numerous attempts to correct it. At this time, I do not know what else to do but to get the CFPB involved to help resolve this issue. 

On XX/XX/2023, I received a response letter notifying me that XXXX XXXX acquired One Main Financial and merged to make OneMain, in addition to stating they would only add remarks that it is in dispute status but not that they would delete it when I do not owe debt due to them losing in court.
Consumer complaint received 2021-09-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (TN)

Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. EXETER FINANCE CORPORATION will be civilly liable under Title 15 U.S. Code 1692k if EXETER FINANCE CORPORATION failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies XXXX XXXX credit application Respectfully XXXX XXXX, Consumer/ Natural Person
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This letter is a formal complaint that you are providing incorrect and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are obligated by federal law to verify any and all accounts that you place on a credit report through physical verification of the original signed consumer contract. Otherwise, anyone who pays for your reporting services may open a phony account via fax, mail, or email.
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (GA)

I have a medical collection bill on my Equifax credit report from some company called XXXX. I have never heard of this company. I don't know what this bill is and I am sure it is not mine. The Company has no information on it's address or phone number. This needs to be removed from my credit report immediately.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FMK Credit Education Center, INC (PA)

I applied for a payday loan. I submitted my information including my social security number and bank account information. I was then called and told that I can not revive a loan and they hung up on me.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: KEYCORP (WA)

On XX/XX/XXXX I was charged a {$5.00} excess activity fee from Key Bank for transferring funds from my savings account to my checking account. This resulted in an overdraft fee being assessed. I was able to get the overdraft fee resolved, but prior to doing so I researched the reason for the original fee, and the verbiage on their website detailed it as being in compliance with Regulation D. My transfers did not exceed 6 in one month and seemed to be more due to the dollar amount of the two transfers out of the account to my checking, totaling {$1100.00}. It was my understanding that Regulation D was lifted in XX/XX/XXXX.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

Designed Receivables Solutions is incorrectly reporting two medical accounts on my credit report as being in collections. They are designated as on my credit reports as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not correctly covered by my health insurance company for the correct amounts. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX-XXXX XXXX XXXX ), with the result that additional insurance adjustments were made on the two accounts, and then the remaining balances for both accounts were immediately paid down to XXXX -- ALL PAID DIRECTLY TO THE ORIGINAL CREDITOR XXXX, NOT THE DEBT COLLECTOR DESIGNED RECEIVABLES SOLUTIONS. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector Designed Receivables Solutions, and Designed Receivables Solutions reported the accounts as unpaid to XXXX, XXXX, and XXXX, even though the accounts were in the process of dispute and internal audit by the original creditor and should not have been reported during that period -- pending correction and resolution. 

Now that the two accounts ' billing details have been corrected by original creditor XXXX-XXXX, and XXXX XXXX has been paid in full, Designed Receivable Solutions still reports the accounts as in collection to the credit reporting agencies, but with updated information regarding the two accounts to show them as " paid '' with a XXXX balance. That is, instead of ensuring that they were deleted from my XXXX, XXXX and XXXX credit reports. That is not correct, according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor that were later corrected and resulted in the accounts being paid to the original creditor.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX.

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to XXXX -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor.

Rather than deleting both accounts from my credit report entirely, TransUnion simply updated the two collection accounts to show as " paid '' with a XXXX   balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

My account was closed due to a PPP loan being placed in my personal account. I, as long as MANY others, did not know this would cause such an issue otherwise i would've made sure to get a business account. Its been weeks and i haven't heard back about my funds nor my account.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

This complaint is about correcting my credit score because of an error made by the bank providing service in delivering monthly statements which caused a delinquency. I disputed the facts and the bank corrected the mistake, but continued to tell me that my score could not be reinstated. It dropped from excellent to fair. 

XXXX XXXX XXXX reported its conclusion and corrected the report, but the score continues to be fair. I'm dissatified with the entire process and are now suffering a lower rating to the point that today XX/XX/2022 I was denied a credit card application.