davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC (CO)

They said if I didn't call them back right away, they would have to turn the matter over to my local jurisdiction. The company is called " XXXX XXXX XXXX '' they described a loan originating in XXXX  from a company called " Easy Money. '' They said they mailed me a letter in XXXX but I can not find it. I asked for paperwork showing this to be emailed to me and they refused stating : " The company wishes to take this matter to litigation. '' They are threatening court action if I do not respond in 24 hours. I asked them if they could resend the letter but they are refusing, stating : '' if they sent a letter then they are obliged to wait 30 days for payment. '' They stated that they deposited the funds into a XXXX XXXX  account that I no longer have access to. I called XXXX XXXX  and they only keep records for the last 7 years. They also stated that they sent notification to an old email address I no longer have access to and can not get past emails. I contacted the XXXX XXXX XXXX but they could not find the company " XXXX XXXX XXXX. '' I do not recall completing a loan from the company Easy Money in XXXX.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Entrata Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Good morning, My complaint is in reference to a debt I owed to the company " XXXX XXXX at XXXX XXXX '' apartments. On XX/XX/XXXX, I received a civil warrant from the XXXX XXXX XXXX XXXX. The amount owed was a total of {$2100.00}. The original debt was taken over by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was summoned to court on XX/XX/XXXX. 

I decided to pay the debt in full once I was able to gather the funds and paid the full amount of {$2100.00} ( the amount that was listed on the civil suit ) on XX/XX/XXXX. Upon checking my credit history via XXXX XXXX, I noticed that my collection is still open with XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I've been charged an additional {$270.00}. 

I would like to get this removed and my credit report updated with the collection being paid in full. They've been a pain to deal with. They even sent a debt validation letter with some sort of substance inside that attracted hundreds of ants. The photo I'm attaching is absolutely disgusting.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CO)

Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
Consumer complaint received 2016-03-12
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

11 yrs ago. I purchased a house under XXXX XXXX bank. They offered me XXXX loan ( line of credit ). They did n't disclosed me the line of credit of 20 % loan is interest only locked in for 10 years. I had tried refince the loan several times but no avail. So I ended up paying interest only last 10 years by automatic withdraw from my bank Amount of XXXX of principle of XXXX. Since it was automatic withdraw from my account I was not able to pay additional lum sum pay toward my principle After 10 years the bank initiated me to offer refinance at 6.19 % 30years loan. My complaine is why I was not able to refince the loan during last 10 years and ended up paying half of the principle amount of loan and bank is now offering loan at the higher rate? 
Here is my calculations Principle loan : {$100000.00} Interest only last 10 years paid XXXX. 
Now 30 yrs loan At 6.19 % will End up paying {$230000.00} plus {$50000.00} already paid
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Violation of my rights and they refuse to honor the law that has be set. XXXX XXXX XXXX XXXX has denied my request 4 times and Transunion is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2016-10-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (PA)

I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On Friday XX/XX/XXXX, I deposited my paycheck at an ATM - I noticed it was taking a long time to clear so I called the bank one week later on  XX/XX/XXXX, and spoke with their representative XXXX who told me they could not verify the check so they have placed an extended hold on the check and that it will not be available until XXXX XXXX  on XX/XX/XXXX! Which is 12 days ( or 8 business days if you account for weekends ) - I am just trying to pay my bills- so I asked my boss Mr XXXX and he checked and found out Santander bank my bank received the funds on XXXX XXXX so I believe XXXX misrepresented this information to me, lied if you will. Then I received a written notice from Santander yesterday in mail that again said they could not verify the check! And that they will release the funds in 6 days. - I have a pending complaint against Santander with your organization and I am concerned they may be retaliating against me- apparently during the rather unpleasant conversation I had with XXXX urging which she advised me if I was not able to give her the copious verification information which she asked for I could go to the branch bank ( she is aware that the branch banks are closed for covid! ) then apparently she added 2 days to the time that the check was scheduled to be cleared ( 6 business days ) j have kept my written notice of the 6 days and my previous complaint is # XXXX
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

I have asked Guardian Capital Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-06-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Rosebud Economic Development Corporation (TX)

I have had several loans with this company in the past with no problems. One month after my last loan was paid off, I called to reapply. XXXX XXXX tried to use some type of a bank verification system that requires a robot to sign on to your personal online banking account. My bank, XXXX XXXX XXXX, does not allow this type of electronic access. They tried and received an error message. In order to be approved for this loan, my last XXXX employment deposits had to be verified. XXXX Loans called my bank and ask me if it would be ok to lie and say no one else was on the call and for me to ask for my last XXXX deposits. In order to get the loan this had be done. I agreed as there was no other way. At this point I thought my loan was approved so I said yes. I was a returning customer and assumed all was completed and approved. The rep said all that needed to be done, after I had just lied to my bank, was submit the application through XXXX??? Who is XXXX XXXX. Something came back, probably my Tax Lien as I have a current payment plan with the IRS, so the loan was denied. I called another payday lender, XXXX, and received the approval instantly and funds were deposited for the next business day. My number one complaint with XXXX Loans is that you must lie in order for your bank deposits to be verified. My second complaint is that I never should have electronically signed any loan documents and been disclosed monthly payments and due dates if my loan was not approved. Many payday lenders do this from what I have been told because it makes the process easier for them. What about us as a consumer that believes their loan to be completed and approved when loan documents have been signed?? We need to stop dishonest payday lenders and loan document signing prior to the loan being approved/denied. If I had gone to my personal bank, they would have never requested me to sign loan documents prior to loan approval/denial.
Consumer complaint received 2017-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I have been trying since XXXX/XXXX/XXXX since I talked with XXXX at XXXX pm to get Nelnet to make my loan one payment that will cover my interest and pay off my principle as well. I paid over the amount that was due and it did not even touch my principle instead what Nelnet did was " move '' my loan out according to them. Instead of paying once a month I ended up paying three times that month {$130.00} on XXXX/XXXX/XXXX and twice on XXXX/XXXX/XXXX {$200.00} and {$400.00}. I contacted Nelnet once again the following day with XXXX and was supposed to setup a payment once a month of {$610.00}. Supposedly Nelnet fixed the problem and pushed my loans into one payment. 
My payments were never set to the {$610.00} and finally in XXXX I contacted them again to fix this problem. 
On XXXX/XXXX/XXXX I contacted Nelnet yet again and spoke with XXXX about the issue of my loan not being the {$610.00} that its supposed to be as well as why I paid over on my loan group f and it never went down. I paid the {$480.00} they show online due at that date and it was posted on my account on XXXX/XXXX/XXXX. Once again today XXXX/XXXX/XXXX I received an email stating that I now owe {$510.00} and its past due somehow. Once again being charged 2 time in a month and not even for the correct amount. Nelnet does not show how much you have to pay in order to pay down on the interest they show an amount due but it does n't cover interest. They also have n't put any of my money that I pay over to principle. They say I have to check a box that is never there that says I do n't want to " push '' my loan out according to them. I have paid off many loans and continue to pay and have never had any issues like I have had with Nelnet.  They make it a nightmare to pay off your debt and continue to either over charge me or lower my payments so that interest accrues on my loan. No matter how I pay my loan my principle is not going down. This company does everything they can to keep charging you more and make it as confusing as possible to pay it down. Every other loan I have ever had in my life allows you to pay principle down after you pay your payment but Nelnet continues to " push '' my loans out and is doing everything they can to make sure that I do n't pay my principle.
Consumer complaint received 2021-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (NY)

I found the XXXX Key Bank statement that should be added to the other bank statements as part of CFPB complaint XXXX addition, I want to provide you correspondence I have had with Key Banks HR department regarding eleven job positions for which they have advertised for which, to varying degrees, I am qualified.In addition, I sent this correspondence to XXXX XXXX XXXX attorney for plaintiff ( as that term is used in New York State Law ), meaning that he must sign a CPLR XXXX oath under penalty of perjury that any representations he makes are truthful in fact and in law, under a best information and belief standard of law.As I wrote in that letter, this correspondence is relevant to the foreclosure case. Under New York State Law, foreclosures require a law and equity standard, meaning that the plaintiff must show that it is entitled to foreclose under.law and then prove to the factfinder that it should be entitled to foreclose as a matte of equity.Obviously, we should allow Mr. XXXX and Key Bank to respond. I also recognize that neither Key Bank is obligated to offer me employment or a business contract and nor am I obligated to accept such offer. However, we should be discussing case resolution, and MrXXXX XXXX has refused to do so, both at the Civil Appeals Settlement Program at the New York State Appellate Division of the Supreme Court, 3rd Department and subsequently.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday XXXX. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

They have since day one abused Me as a consumer, they have taken more out in escrow and refused to correct it even after I showed proof. The recently they reported me late and stated in XX/XX/2014 they were starting foreclosure even though I was in a bankruptcy. This is inaccurate information and I have asked to have it changed and they have refused
Consumer complaint received 2023-05-06
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. (NC)

XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Birth date : XX/XX/XXXX Social Security # : XXXX Credit Bureau XXXX EQUIFAX Credit Bureau Address : XXXX XXXX XXXX, XXXX XXXX PA XXXX Date : XX/XX/XXXX Dear Credit Bureau Representative XXXX XXXX recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission please include documentation of said permission. 

Thank You.
Consumer complaint received 2016-08-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conduent Incorporated (IN)

I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX 2015 Capital One Bank USA NA credit card balances were paid off by XXXX XXXX XXXX company in which I am paying them off in the form of a loan. The payments to the bank were considered a charge off and a zero balance exist yet they are still leaving negative comments on XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Was notified in a letter dated XXXX XXXX by capital one visa my " card information may have been stolen due to a data breach at a business where I recently shopped. '' Called capital one customer service on XXXX XXXX to simply get the name of the business. Was refused the information and told I needed to contact visa customer service. When I did, they refused the information and was told i needed to conact capital one. When I spoke with a supervisor at capital one customer service was told it was policy not to give out that information. I believe I have a right to know which business in which I shop had the data breach, and obviously capital one visa knows the business name and refuses to inform me.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX - ACCOUNT NUMBER- XXXX