davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I own a XXXX XXXX, a XXXX, and have been negatively impacted - drastically - by COVID - like many XXXX XXXX. As a result I sought relief from my mortgage servicer, Specialized Loan Servicing.  Initially I was denied outright any relief in XX/XX/2020. As conditions worsened, I was able to get a forbearance for 3 months while seeking a modification. I went back and forth for weeks that turned into months, giving them tax documents, letters, P & L statements, bank statements, every single document they asked for. I received letters in the mail every day requesting the same documents over and over again, claiming documents were not signed, documents were not dated, claiming tax returns were not signed or did not contain the PIN number - these are items that are impossible. A tax return can not be filed without a signature or PIN. Why are these documents sufficient for the IRS but not my loan servicer? It was absurd. I would print documents directly from my XXXX program giving Profit & Loss information from requested time frames, only to have SLS claim that the dates were missing. I can not possibly run a report in XXXX without putting in a date range. then SLS would claim there was no company mentioned, or my signature was missing, or a date was missing. They did not care at all about the actual information that was in the documents - income, expenses, etc. It was absurd. One of the last things they claimed was missing was my Hardship Letter, and then claimed it did not even mention COVID. I would have nothing to write about if it didn't mention COVID. Then suddenly the Hardship Letter was found and it was sufficient. In the documents they sent me detailing those documents they received that were valid and those that were invalid, they actually had documents that were listed under both valid and invalid. All I ever requested was to delay the mortgage payment for as many months as I could and modify the loan so that when my payments resume, they are the same, and the mortgage is just pushed out for the number of forbearance months. Ultimately I have been in forbearance for 7 months. Now with 1 month to go, they have denied a modification and are telling me either I owe all of my back payments which total more than {$7000.00}, or I must foreclose or short sell. I want to do none of those. I have no idea why I was denied a modification. I have not asked for a smaller payment than my previous payment. I never have. Every time I have spoken with someone I have been met with belligerent reps. I would like to resume my payments in XXXX at the same amount or about the same amount - I can not afford a jump in payment. And I would like to have my loan modified to extend 7 months longer. I don't know why this is such an unacceptable modification. Because I can not get a straight answer and reasonable modification from them, I am seeking your help. I can pay my mortgage and have taken all the necessary steps during this pandemic and they are forcing me into foreclosure.
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commercial Recovery Systems (TX)

On  XXXX / XXXX /   2017  I received a phone call at my job fro m CRS and Associates. T he man on the line advised me that he had 'my file ' in his office. He then went on to recite my social security number. My calls at work are recorded at all times, so this was extremely unacceptable. I have never heard of this company, nor have I given any consent to contact me at work. This company is extremely unprofessional.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

had requested Transunion to investigate a credit inquiry for lease consultants dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to lease consultants. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2020-11-27
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. (NY)

Why does Citibank not offer latest card technology tap pay contactless like many banks already have the Citi retail cards dont have this very inconvenient with covid its safer than a chip card which is what they currently only offer the Exxon Mobil card to does not have the symbol to tap to pay
Consumer complaint received 2015-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I never signed up for an opt in program. I got over drafted by XXXX dollars and once that hit wellsfargo took all my prior charges and ran them back to back running my charges up to XXXX dollars. I called and explain only to have XXXX ( who could care less what happened ) told me pretty much that he could allow me to keep XXXX dollars of my money ( gee thanks ) or I could decline it and pay all the charges. I will take my money out by the end of this week and change both of my direct deposits. Wellsfargo has XXXX me do the last time. I have been with them since 2009. I will scream redemption when they get what 's coming to them for XXXX the XXXX class.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have not supplied proof under the doctrine of estoopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 1 presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2000.00} DEPT OF EDXXXX XX/XX/XXXX {$4000.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF EDXXXX XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF XXXX XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF EDXXXX {$3800.00} DEPT OF EDXXXX XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

Equifax Credit Report reflects adverse accounts which are beyond the XXXX year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of XXXX years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While I filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. If Equifax has stated that the creditor has no historical records, this would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the XXXX year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are required to furnish such information. If the creditor has advised Equifax that there is no historical data, how can they on a second dispute that they have updated the information. How would the creditor provide updated information on an account that they have stated they have no historical records. Where would the updated information come from? Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. The account in question is XXXX. You may review the attached document for account number. Please remove this adverse account
Consumer complaint received 2015-08-03
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IA)

XXXX XXXX, A supervisor in the Loan Administration section reviewed the court filings on the Iowa Clerk of Courts Website regarding the foreclosure action filed by Wells Fargo Home Mortgage. While I understand your concerns, many civil actions and court proceedings that are filed within the court systems are documented on the county websites by law, and also a matter of public record. Also, I believe the information can only be removed by the order of the court. 

You may also be eligible to purchase a home using another VA home loan, but lenders will most likely want to see you reestablished credit and made satisfactory payments for at least 12 months after the foreclosure. Our records show VA paid a foreclosure claim of {$3500.00} to Wells Fargo. You would need to pay VA back this amount for full restoration of your home loan benefit. However, you have VA home loan bonus entitlement available too. When you are ready to move forward with purchasing another home and would like more information regarding your VA entitlement, please contact our XXXX XXXX Department at XXXX, extension XXXX. 

I hope this information helps. 


XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the  XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a  conclusion. Thank you. XXXX XXXX
Consumer complaint received 2017-03-07
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BB&T CORPORATION (NC)

I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...
Consumer complaint received 2016-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (VA)

My servicer Fedloan is not acknowledging my offer to pay. I have been asking them for the orginial promissory note which they keep sending me blacked out copies of a promissory note not my note. I have sent them several certified mail letters asking for they contract with me that I signed for them to collect a supposed debt. They have violated several Truth in Lending and FDCPA codes.
Consumer complaint received 2015-08-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Clarksville Mortgage Corporation (DC)

In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

On XXXX XXXX I informed PNC Bank that I was a victim of a scam and fraud. I asked PNC to close the account and reopen a new account. PNC DID not investigate and informed me that I would have to repay the funds. On XXXX XXXX PNC went in to a joint account that my fianc and I have and took his entire check as well as closed the account with out prior notice or gave us the chance to work on payment arrangements.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2022, I opened a dispute with Ally due to being overcharged {$75.00} for a parking garage fee when it should have been {$18.00}. Ally provided a provisional credit while investigating and contacted me in XX/XX/2022, stating that the vendor requested a receipt to prove the error. I explained to the representative who called me that the parking garage in question does not provide receipts. Instead, it takes the ticket into the machine, takes your payment, and you have to drive out following. No receipt or confirmation is dispensed following payment. 

The representative stated that I could write a letter detailing the incident instead. So, on XX/XX/2022, I submitted a letter to Ally customer support detailing what happened. Last Wednesday, XX/XX/2022, I received a letter from Ally stating that my provisional credit had been reversed and that the bank denied the dispute due to a transaction completed with a merchant I have an established relationship. How is paying a parking garage fee indicative of an established relationship? 

Due to this issue, my account is now over-drafted, and Ally 's claim of an established relationship with a public parking facility is bogus. What proof or documentation was used to come to such an absurd conclusion?
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by WILLRUSH Upon reviewing my credit report, I discovered that WILLRUSH has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to WILLRUSH or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that WILLRUSH is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capio Partners, LLC (VA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I been going back and forth with a company XXXX XXXX XXXX Experian XXXX and XXXX keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXX XXXX  showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (TX)

Sense my dispute, some one or people got in their feelings and decided to retaliate by making more score go down XXXX points and raise my utilization to 76 % instead of the below 30 %. I really didn't have any faith in the system to do right, to begin with. Its a shame even XXXX  themselves notice all the issues on my account. They the one who open my dispute on my behalf after looking into my account. Now, the person who handles accounts on the daily says its all wrong, thats employed by the bureau, is good enough for me. XXXX XXXX can see this aint right. Feel free to making up whatever like on the report, truth is I just wanted to leave a paper trail showing everything yall been doing. Main reason I won't be a part of yall RFID chip program. Yall can't get a score right, ill be XXXX  if I rely on yall to handle my affairs.