davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (FL)

This frivolous account remains on my credit report despite many written complaints to the three credit bureaus. In my First Dispute, I ask that the account be checked and " confirmed. '' According to the three credit bureaus, this company " confirmed '' that this item is being " reported appropriately. '' As a Second Dispute, I request that the First Request be Reinvestigated, because the bogus account is still on my credit report. Following the Second Dispute, the three credit bureaus indicated that this company " confirmed '' that these things were " reported appropriately. '' As a third point of contention, I asked, " Who validated these accounts? '' How did these accounts become verified? Provided me with copies of ALL original documentation ( s ) on files, such as contracts or legally enforceable agreements ( as proof ), with my signature on it pertaining to the disputed account. This company was unable to supply me with a copy of ANY original documentation for this item that I sought. I DEMAND THAT THIS ITEM BE REMOVED/DELETED IMMEDIATELY FROM MY CREDIT REPORT.

I fully intend to file a lawsuit in accordance with the FCRA to enforce my rights, seek relief, and obtain all monetary damages that I may be entitled to as a result of your continuous willful and careless non-compliance under Sections 616 and 617.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (WA)

I received a letter today from Sequium Asset Solutions informing me that I owe XXXX {$260.00}, with no information on the nature of the charges, and threatening me with a negative credit report to three bureaus if I do not comply. 

When I called the number that the letter directed me to call for next steps, no one picked up. 

There are two issues : 1. I did not receive any prior notice that XXXX is alleging I owe {$260.00}. I have received no information from the XXXX, the debt collection agency that they are using, Sequium Asset Solutions, nor have I been informed of any process I can engage in to receive that information or contest the debt. 

2. I do not agree that I owe the charges. I closed out my account with XXXX when I moved from my previous home in XX/XX/2019. I spoke with a XXXX agent on the phone who confirmed that my account was closed and that all charges were paid. I have received no notice or information from XXXX or Sequium about the nature of the charges.
Consumer complaint received 2016-04-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Big Picture Loans, LLC (CA)

I signed up for a loan that I took out for {$450.00} with a finance charge of {$220.00} and I did n't realize at the time I 'd end up paying a ridiculous interest rate on the loan. So I asked them if I could set up a payment plan, but I did n't realize I had to pay the amount of like {$1200.00} and they refused to help me lower it. So I let it go collections, now they 're saying I owe {$920.00} with a {$220.00} finance charge and a late fee of {$20.00} included in it. I 've been trying to resolve this with them but getting it resolved has been the biggest headache. I 'm hoping you can help me get this resolved these people are the biggest scam artists ever! 

Thanks, XXXX
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (MI)

On XX/XX/2021 I applied for a personal loan with Net Credit. I was " approved '' for a loan in the amount of {$2700.00} and allowed Net Credit to view my checking account via their online account link. I then received an email indicating I needed to provide a copy of my most recent bank account statement, which I did immediately. 

Shortly after submitting my bank account statement I received an email informing me my application was denied due to the fact my checking account was associated with a different loan account at Net Credit. This is true. My husband has an individual personal loan with Net Credit for which he is the sole obligor. Likewise, when I applied for my loan, I applied individually and was conditionally approved based on my own credit and income. The fact that my loan was denied simply because my husband and I share a joint checking account creates a condition of disparate impact in its purest form. 

I would ask Net Credit to review this discriminatory policy as any couple sharing a joint bank account will be denied when other couples who happen to have individual bank accounts will be approved.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

I have had a Citibank Citicard for 35 years. Member since 1984. 
The Bank recently closed my card due to inactivity. I received a letter a week after the closing letting me know. I called the Bank to have them reopen the card. Instead of reopening the card only a week closed they wanted to go through an entire application process to review if I still qualify for the card ( that I had for 35 years with a great credit history on the card ). As a 35 year customer I did not appreciate being treated like a new customer. I was willing to update my information but not have it used as a credit check for a card that was good 1 week ago but now needed to be reapproved. 
I chatted on line, spoke to customer service and a card manager and while they sympathized with me there was nothing they could do without the application questions. 


There was no notice ahead of time about the closing. They stated it was system automated. Although I have worked in banks for over 20 years and the card systems generate a report of cards about to be closed. In the banks I worked with we reviewed these reports to see if there were any good/long term customers that we wanted to notify ahead of time. 

I thought that this is a ridiculous practice to go through a whole new approval process ( after only a week ) when the card was good for 35 years. The Bank didn't care about my updated information as long as I was using the card and paying there interest and fees. 

I would like the card reopened without all the hassle. Just reopen it. It was good a week ago.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NJ)

I owned {$12000.00} to XXXX Account # XXXX. Midland Credit Management Inc. acquired this account.Their # XXXX and advertised a payoff of {$3600.00} I paid this amount in full. They issued a statement " This account was satisfied on XX/XX/XXXX and you have no further obligation on this debt ''. This XX/XX/XXXX I received a XXXX for the balance {$8400.00}. I have written documentation on all my words made here.
Consumer complaint received 2022-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Management, LLC (CO)

I 've spoken to multiple representatives at A1 collections in XXXX, CO. Every time i speak with someone the amount I owe has been a different number. They are over 2 weeks behind on processing the electronic transfer from my garnishment. As of now I have paid it off in full but they do n't have record of it so they are continuing to garnish future paychecks when to my calculations the amount in full is paid off. I find it really shady that they do n't have record of my most recent payments. I work for XXXX and have been in contact with my payroll division and they have promised me that they electronically transfer the garnishment and that there should be no more the 3 days for the money to be processed. A1 has been extremely rude and inconsistent with the amount of money. Maybe there is a lag in data processing on their part but I do n't feel like I should suffer because they do n't update their payment records in a timely fashion.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo B ank refused to review my application for mortgage modification claiming that their internal process limited a review of a request for mortgage modification to date of  XXXX   XXXX ,    2017 d uring a foreclosure proceeding with the law day set by the court was in fact  XXXX   XXXX ,  2017.       Wells Fargo Ba nk imposed this limitation without notice to me and it was the second time that  Wells Fargo Bank misled me during the foreclosure action.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have been trying to find help and each time I reach out my problem worsens. My student loans went into default during the pandemic. U.S. Dept of Education transferred my loans in XX/XX/XXXX ( while they were suspended during the Cares Act ). I was never told of this, until noticing my credit report took a major plunge. Since then, I have been flagged on my credit as no payment ( even though they are suspended due to the Cares Act ). 
I tried disputing with credit bureaus only to have my score lowered. I filed a complaint when I noticed my score dropped XXXX points due to student loan payments. When that didnt work, I filed a complaint with you regarding my student loans and everything that has been happening regarding them. The issue has worsened due to filing a complaint. Now, on my credit report, I am showing 80 missed payments for student loans from XX/XX/XXXX XX/XX/XXXX for four of the loans. 
My question is how is this possible. My loans currently are suspended with 0 % interest rate. How can 80 missed payments be legally put on my credit report if I am not required to make payments until after XX/XX/XXXX? 
Ever time I try to dispute, my credit score is more affected. 
I try calling to get original loan terms and a history of my payments and I never get help. I called today, XX/XX/XXXX, and was given a website XXXX  and was told I can see all my payment history. When I go to the website, it states none of my payment history is available currently. 
I also have screen shots attached showing my direct federal loans defaulted or not defaulted are eligible for 0 % interest, suspended payments if it states Dept of Ed is your servicer. They still show my servicer even though on my credit report it says they are not. 
What do I do, I am stuck? I want to hire an attorney, but because of cost, I am hesitated to take out of my XXXX to fund this. The amount of points student loans has deducted from my credit report since XX/XX/XXXX makes taking out a loan not likely in my future to pay for an attorney. I have dropped over 200 points within 6 months and student loans activity is always the reason. 
I am also a student and have been since XX/XX/XXXX. This issue has made my situation worse, due to the whole time during the pandemic student loans have prevented me from receiving any sort of loan due to reporting on my credit report.

I didnt think student loans could damage a students credit report while in school during the Cares Act. 80 missed payments have just destroyed any sort of credit repair and made any goal to repair my credit unreachable. 
I need this fixed immediately.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX attempting to collect on {$370.00} allegedly from XXXX. On XXXX/XXXX/XXXX I sent by certified mail ( with signature confirmed delivery of XXXX/XXXX/XXXX ) a letter requesting explanation for alleged debt. They did not respond. On XXXX/XXXX/XXXX, I received a collection notice dated XXXX/XXXX/XXXX from Convergent Outsourcing , Inc for the same debt. On XXXX/XXXX/XXXX I sent another request for explanation which also was not responded to. On XXXX/XXXX/XXXX I received another collection notice from Convergent. 

To my knowledge I have never had a XXXX bill sent to collections ( my credit history confirms this ). I do not currently have a XXXX account.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit LLC (CA)

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. MERCHANTS CREDIT IS ALSO FRADULENTING ADDING DEBT TOTHE CREDIT BUREAUS WITH THE DATE THAT THE BALANCE INCURRED. ESPECIALLY IF THEY ARE SAYING I INCURRED A DEBT FROM THEM IN XXXX
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

I filed a complaint against XXXX XXXX XXXX aka Transworld Systems Inc, in XXXX for harassment and threats when they were dealing with my husband 's Military Star account. They answered the complaint and said that they received the cease and desist call request but DID NOT address the harassment or threats.They did state that the accounts listed would be placed in a manger 's queue. At the time there were 2 accounts. There has been little to no communication with them since this complaint was filed. 
His payments were deducted from his military retirement pay and tax garnishments. Mine were made through tax garnishments as well. 
Both XXXX cards are now paid in full as of XX/XX/XXXX, but I also had a XXXX  XXXX  XXXX card, which had been current before the garnishment, but is now included in the garnishment, without any other resolution or communication having been attempted by them. I even had to contact XXXX to handle a small remaining balance on my husband 's account that would have been left over due to the garnishment allotment being stopped by XXXX, since I could not get any assistance from TSI. XXXX wound up taking it off his account. 
We did start receiving bills from XXXX collection aka TSI in XXXX but due to the communication block on the part of Transworld, I was not able to make any payment arrangements on my XXXX XXXX XXXX card, in order to avoid another garnishment. I have made several attempts to talk to someone from the company over the years, with the most recent being XX/XX/XXXX, to XXXX XXXX. My calls were not returned, nor has anyone ever sent information about garnishing my current years tax return for the XXXX XXXX XXXX payment but Treasury offset has a pending collection from XXXX. I have contacted XXXX and asked them for help with this matter but they refer me to TSI.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC. (CA)

Store cards were opened in my name and birth date with an unknown social security number. Creditor sent cards to an address I never resided in a state I never resided.  Two  accounts appear on my credit file and thus far harming my credit.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

The bank issued a credit for an online order which was placed and there was a problem with the order. At the time when the items were supposed to be delivered, the online account had an issue with the login and the email address because of identity theft issues in the past. Regardless that the items were not delivered, and the credit was processed on an old checking account, one of the bankers went ahead and reversed the credit amount. The date that was given in the most recent email from Chase was XX/XX/2023 and I was told that the bank and the merchant have resolved this issue and it is none of my business now. The reversed credit for items not received is not an accurate representation of what was or not delivered as a service for online shopping. After speaking with customer service today, the actual receipt and the problems with delivery are clearly noted by the XXXX XXXX. However, the amount which has been deducted from not the same checking, but a completely separate checking account differs from the final receipt. I have been billed and rebilled for more than the items which were delivered on my membership purchases. I am attaching the actual receipt and also a copy of the transaction the bank has charged me for twice.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On  XXXX   XXXX ,  XXXX ,  XXXX  ceased servicing our loan and sold those rights t o Select Portfolio  Servicing. We disputed  XXXX  's handling of the servicing and the late fees they had alleged were due and this dispute was ignored.     Then, during the transfer from  XXXX  to  Select, Select did  not pay our Real estate taxes on time in  XXXX .  XXXX   XXXX   School District verifie d the receipt of the late payment penalty check #  XXXX  in the amount of {$290.00} prepared on  XXXX   XXXX ,  XXXX  from  Select Portfolio ( see attached ). (  This tax payment should have been made by the discount date as wel l ). Th is failure to pay our real estate taxes timely and had we not caught Select 's error, our home was placed in jeopardy of being sold at sheriff sale by them. Upon learning of the error we filed verbal and written complaints with Select that were initially ignored, acknowledged on  XXXX   XXXX ,  XXXX  &  XXXX   XXXX ,  XXXX  and eventually dismissed. They forwarded to the real estate taxing authorities amounts that were greater than the discounted amount and the face value. They have not refunded those penalties and interest to us. They had us absorb and pay amounts that we were not legally required to pay. This higher payment disbursement amount and their failure to fix what had been done was the direct cause of financial hardship for us.  Select Portfolio  then increased our escrow account monthly payment to approximately {$660.00} an increase that was calculated incorrectly and caused an even greater financial hardship.     These errors and increases resulted in threats to foreclose on our principal residence.     After getting no reasonable response to the above issues, we prepared and submitted a request for mortgage assistance and that was not handled properly. We provided Select with all of the information they requested timely. We have been paying 5.125 % interest on our loan when we should have been approved for a reduction to below 4 %. This would have resulted in a savings of at least $ 200 /mos.      Their use of foreign call centers has contributed to this company 's failures as well.
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind on a payment before when we moved back to our home state. I found that this is not the only derogatory account he lied about being in his name when in actuality it was in mine. I dont feel that I should be held responsible and that he should have to take responsibility for his actions and transgressions. And unfortunately I am the one who is dealing with the repercussions of his irresponsibility. Thank you and hope to hear back from you
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (WI)

I am filing this complaint in hopes that your CFPB can assist me in resolving an unfair business dispute between my company and XXXX. 
We had salesman contact us from XXXX and offer us an attractivesolution to our advertising needs. However as it turned it was n't. 
First and foremost their salesman flat out lied to me and when hewas questioned about it, he told us we could get out of the contract for {$300.00} I cancelled within 3 days and theirsalesman kept putting me off with excuses and promises. 
The product is inferior and misrepresented. XXXX did n't let out of thecontract until 3 months later and now they say I owe them {$2900.00}. They keep putting off the customer until the bill is racked up enough for them to make money. Also the salesman that signed us up no longer works there which is who made the offer to begin with. Please help.