davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (FL)

Caller asked for a family member that does not live at my address or use my number for any purposes. Caller stated that I was listed as a reference, so I initially thought it was for a job interview or something similar. When I tried to inquire further about the reason for the call, caller became evasive and stated that the purpose of the call was private and the target person had not authorized revealing the purpose of the call. I then asked the name of the company and the caller was again evasive but stated that the name of the company was XXXX XXXX XXXX or something like that. The caller then began inquiring about the target person 's phone number and I stated I do not give out personal information to strangers but the caller kept insisting and then stated the number, to which the caller replied that he was not able to contact the target person. Caller then began inquiring about other family members and I stated I would not give any other numbers out and the call ended. I then did some research about this company and I found out they were a debt collector. Based on what was stated and the personal information the caller was inquiring about, I realized that they were likely inquiring about issues that are over 10+ years old.
Consumer complaint received 2016-09-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Management Services, LP (CA)

They left me a message stating they were attempting to collect a debt. ( I do not have any outstanding or late debt, I monitor my credit report monthly ) When I called back they asked me if I used to go by the name XXXX XXXX XXXX ( my maiden name ) and then asked me to supply my dob. I did not. When I asked them what supposed debt they were calling about, they said they needed to verify my information XXXX. When I asked what kind of company this was, they said vaguely " financial services '' I asked them to clarify repeatedly and she would not. I then asked what else was needed to verify my identity in addition to a birth date ( I did not give them that much ) and she said the last XXXX of my social. I told them, '' Absolutely not '' and hung up. This company has more online compalints than I could have imagined and would not give me any information without asking for my personal info first.
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sherloq Group, Inc (FL)

Received a call, first of all was asked to VERIFY IDENTITY WITH SOCIAL SECURITY NUMBER OR OTHER HEAVILY SUSPECT INFORMATION, secondly she was VERY rude after being told I was XXXX and on SSI and that Medicaid should have covered the amount and I would discuss the issue with the debtor themselves, finally, she became very abusive threatening my SSI as ability to pay and saying things like Being XXXX doesnt automatically exclude you from paying and insulting the fact that I am XXXX AFTER being told I was going to contact original debtor to ask why this was sent to collections when I was not informed of the debt or the reasons Medicaid did not cover the services. Very rude and caused me to have XXXX XXXXXXXX afterward due to the stress caused. Luckily I am unharmed but harassing a XXXX person to the point of XXXX is UNACCEPTABLE FROM DEBT COLLECTORS!
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (MN)

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 499.99 % Bright Lending loan Number : XXXX Finacne Charge XXXX Amt Financced : XXXX Total of Payments : {$6000.00} Date : XX/XX/XXXX Due Date : XXXX every two weeks CREDITOR : ADDRESS : PHONE : EMAIL : Bright Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (WV)

I have contacted Equifax many times about this issue. They have either no information or incorrect information about me with them. They say the ONLY way to fix it is to fax the information or send it through the mail. I have confirmed both the mailing address and the fax number twice. Also, twice on the phone agents have confirmed their fax is not working. The mail has either been lost or they are being negligent with the acquisition of my social, full name, address and date of birth. There MUST be more available lines of communicating my information to them so that they actually get it, instead of the mail and a fax number that does not work. I can not continue to mail my personal information and pray that they finally receive it without trying another avenue of contact that actually works.
Consumer complaint received 2023-07-22
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CT)

On XXXX I went online to check my checking account and noticed two wire transfers, one for {$1700.00} and another for {$1700.00} on the same day. I called citibank immediately and told them that the transfers were not authorized by me. After talking to a couple of people they connected me to the fraud department. After talking to them they said they would do an investigation. They told me I did not have to call the Police or report this to anyone because they would take care of it. Unfortunately, I listened to them and waited for their report. After talking to different people at citibank they told me they had a persons name, XXXX XXXX, two telephone numbers, which are on my statement, and the name of the bank the money was transfered to, but they would not give me the name. They also sent me an Affidavit of Unauthorized Online Wire Transfer Document that they said I had to fill out, which I did and sent it back to them. They said they never received it but I sent it certified and have the receipt and know it was delivered. Long story short, I have been in contact with them and they are now blaming me and will not give me my money back. I have filed my loss with the Federal Government. My next step is to contact the Police.
Consumer complaint received 2020-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (CO)

This is what happened recently dated XX/XX/2020 and About to Travel XX/XX/XXXX to XXXX California ..I am a military who is about to do a final military travel move back home. 

Every time a military move there is a travel pay money given by the military DFAS to help the family movement allowance to another state ..

So to make the story short ..DFAS deposited my travel allowance into my old navy federal account that I never use for 4 years..I have a credit card with navy federal.. In order to pay all my credit cards and other debt I went into a program debt consolidation -National Debt Relief Program ... Navy federal credit cards are enrolled in that program ..Since I went into that program navy federal freeze me using my account but it is open account ..I tried closing but they said cant do it coz I still have a debt to pay with them ..I can only close my account when everything paid off.

Navy Federal applied that deposited money to pay some of my credit card as a charge for not paying them ..They know already I was enrolled into a debt consolidation -National Debt Relief Program .They just touch that travel money with out informing me or any acknowledgement from them like hey there is a money deposited by dfas to us bla bla bla!!!

So when I learned that dfas deposited my travel money with the amount XXXX to my old account navy federal bank and its been deposited for a couple of weeks ..I contacted navy federal..

I talked to one of customer service team and said I cant get that money back and that money was use to charge against my credit card.. 

So is there a way I can still get that money back because that money is for family travel allowance not for a credit card.. 

v/r jg
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MN)

I was repeatedly misguided by customer service regarding the eligibility status of my payments towards loan forgiveness. Navient/XXXX intentionally made the loan plans complicated and misleading and tricked me into remaining on a repayment plan that was not eligible for loan forgiveness even though that was my stated intent as a XXXX-employed XXXX.
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (MD)

I contacted LoanCare Inc. regarding a late added to my credit report. The loan was paid off and according to one the agents, " there XXXX departments often have a delay in updating pay offs ''. I was told that it would be corrected since I was considering using them for my new loan. I decided to go with a different lender and I called for a status and was told that I now needed to file a formal request to have it corrected. I requested the XXXX # and name of the person I was speaking with and told simply his employee # and last name which I am certain was fake as generic as it was. With all of the mortgage regulations I would expect that this does n't happen anymore. 
The company again is LoanCare llc and the person that refuse to provide information was XXXX # XXXX.
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (VA)

I am writing to dispute the following information in my credit file status. Loan Care Servicing Center a mortgage company reported the sale of the property as a Foreclosure which it was definitely not. It was an Agreed Settlement ( account paid in full or less than the full balance ) to prevent/avoid foreclosure. I am requesting removal of inaccurate information/description reference foreclosure in status remarks on credit report.
Consumer complaint received 2016-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NJ)

My home mortgage loan was recently sold to a company called Loancare out of XXXX, Virginia. The first thing they did when they acquired my loan was to increase the amount being held in escrow from the contracted XXXX of the total charges to an amount that is equivalent to XXXX of the total charges. Over the last month, I have repeatedly tried to get them to correct it via phone and e-mail, but they continue to ignore my requests. My total estimated escrow payments for the year 2016 are {$9300.00}. They want to hold {$3100.00} in escrow which is exactly XXXX. The original amount without the increase would have been {$2200.00} which is still over the contracted amount even without the increase.
Consumer complaint received 2024-03-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (VA)

I sought a three-month forbearance assistance from my mortgage company, ( PHH Mortgage ) from XXXX to XX/XX/XXXX. My understanding was that after the forbearance period I will resume my normal monthly payments of {$2400.00} on XX/XX/XXXX. 

My understanding was based on the fact 2 years earlier I had sought similar assistance whereby the total of the forbearance period mortgage amount was added to the principal mortgage amount. Also, in the forbearance approval notice, there was no mention of the total three months forbearance period mortgage payments coming due in XX/XX/XXXX. 

When I submitted my regular monthly mortgage of {$2400.00} for XX/XX/XXXX, PHH Mortgage refused to accept it and rather asked me to pay a total of {$15000.00} covering XXXX to XX/XX/XXXX, XX/XX/XXXX and some other fees and expense which has been in dispute for years. I also tried to pay XXXX and XX/XX/XXXX they still refused to accept it and have me reported to the credit bureaus for having defaulted for three months starting from and including the approved forbearance period. 

I have written to plead with them, talk to their customer relations department all to no avail and know they are threating to foreclose on the property. 

I need help - for them to allow me to continue with my previous monthly payments.
Consumer complaint received 2023-04-14
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. (CA)

THE FAIR CREDIT REPORTING AT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 SECTION 6 602 EIGHT STATES THAT HAVE THE RIGHT OF PRIVACY ALSO 15 USC 1681 SECTION 604 A SECTION TWO I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH THE ACCOUNT WITHOUT MIGRRANT INSTRUCTIONS USC 1681 C85 SECTION STATES NO CONSUMER REPORTED HD MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IMFORMATION AND OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF PROBATION OR CRIMES WHICH ANTI- DATE THE REPORT BY MORE THAN SEVEN YEARS RIGHTS 1.ACC NAME, ( XXXX XXXX XXXX XXXX ACCT # XXXX DATE XX/XX/XXXX ) XXXX XXXX NAME, ( XXXX XXXX XXXX XXXX ) ACCT # XXXX DATE XX/XX/XXXX ) AMMOUNT PAID AND CLOSE
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

I have sent payments to PennyMac mortgage using XXXX XXXX XXXX Billpay since the day they bought the paper. Now, for the last 3 months, PennyMac has decided they will apply my payments only to principal reduction. If I did n't catch this 3 months ago, I would unknowingly be behind on my mortgage payments. It seems like XXXX, XXXX, & XXXX all over again! Each of the last 3 months, I have had to write letters requesting PennyMac to properly apply my payments. They have corrected the issue each time but it takes a couple of weeks for them to get it right. I am concerned that they are possibly over charging me for interest for the days they are taking to fix their errors. I have just asked to be contacted by a loan servicing supervisor but I do n't expect them to comply. I always paid a little more than the payment due to try to shorten my loan period. This month, I sent the EXACT payment due and they still applied it to principal only. Their website is a pain to navigate because they load my computer with cookies that my antivirus program deletes. Every time I try to log in, I have to wait for PennyMac to send me a special code via email so I can access my account. It is really like dealing with a guy down the block running a mortgage company from his garage. I ca n't be saddled with a mortgage company I do not trust so I am going to pursue a refinance to get away from them.
Consumer complaint received 2024-03-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (CT)

I currently have 3 AmEx gift cards with a total of {$760.00} on them and they do not work at all. I've tried to use them online to buy products on multiple sites and am repeatedly told the transaction will not go through even though the card has more than enough money to cover the price of the product. I've followed the directions to use the card perfectly, but am still facing this issue so the cards are worthless and I have just lost this money.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (NY)

I opened up a bank account with Current bank on I think XX/XX/XXXX. I won a promotion through them for XXXX XXXX On Saturday XX/XX/XXXX, I go to transfer out these funds to my XXXX XXXX and these funds get LOST. I have been speaking back and forth to XXXX AND TO Current. Each blames each other and no one knows where my money is or when I will see it. Both companies can not tell me why the instant transfer even failed. XXXX ATLEAST has customer service but this Current bank only offers chat support and not even email support. I suspect their chat is only XXXX. as I check on XXXX XXXX I am seeing many complaints and concerns with this nee bank. Can you help? I included the proof of a supervisor daring me to try and contact them over the phone, and all my emails unanswered.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (OR)

I applied for the personal loan on XX/XX/XXXX to XXXX in the amount of {$900.00}. I was lead to believe that I would be able to pay off early without penalty meaning if I paid it in the first month it would be paid in full. No interest or fees charged. 
The paperwork that I received gave me an interest rate of 767.26 %. I did not understand what this meant until I spoke with family. 
There was no clear information or an explanation of detail from river valley loans. 
I called them today, XX/XX/XXXX and requested a payoff. They only gave a verbal quote of {$1000.00}. I have made one payment of {$240.00}. this loan of {$900.00} cost me {$420.00} for two weeks. This should be against the law and I hope that this type of predatory lending can be stopped. 
I am attaching the loan agreement for reference. 
People who have XXXX are targeted and should be stopped.
Consumer complaint received 2021-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

This is a formal complaint against Phoenix Financial located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX  and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Phoenix Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2015-10-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

On behalf of the XXXX customers who had their personal information exposed as a result of vulnerabilities within Scottrade 's security systems, I kindly would like to inquire : Why did Scottrade ignore the following warnings about inadequate security systems? 

The various police/tracking numbers include : IC3 Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Complaint : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case number : XXXX Case XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXScottrade 's failure to appropriately investigate the above referenced complaints and law enforcement reports lead to the exposure of personal information of XXXX of customers. 

I am requesting that the CFPB publish this complaint on consumerfinance.gov so that others can lean from my experience. I respectfully request, that Scottrade also provide a public response.