davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (PA)

PHOENIX FINANCIAL SERVICES has never sent me anything in reference to these accounts. I believe these accounts are reporting in error. They seem to be duplicate reporting, and I understand that is something this company is extremely well known for. I demand justice! Phoenix can not report the same account with the same balance twice! Please help me!
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

You know, theres always a risk and that understandable but when you're making deals for parts in a forum you hope people are legit, followed the rules and don't ghost you. I was looking for the XXXX XXXX springs and I had posted in the For sale post about the springs. No response right, then I get a message with the email of the guy/girl selling them so I made the inquiry. Get a quick response from [ EMAIL ] XXXX [ /EMAIL ] and tells me the springs are still available. I figured they were gone and i'll take the blame for not verifying more. We made a deal on the price plus the shipping to my location. Both agreed and the money was sent. All seemed to go well. Then later that evening I receive an email telling me that the shipping was much more than expected and was asked for {$50.00} more. HOLD UP, I know theres no way it's {$75.00} to ship those, especially since he originally wanted {$150.00} and then dropped the price to {$120.00}. I responded with " we made a deal and I could have bought them cheaper from a site as we agreed on {$200.00} shipped, send them the less expensive method. '' I then get some response about trying that and they would be shipped out Monday. Well, here it is Wednesday and numerous emails later with no responses. 
The alternate email I have for him is [ email ] XXXX [ /email ] I am assuming at this point I have been ghosted and at a loss. Not sure theres anything anyone can do but I wanted to let the community know of this shady character. 

Here is the Original Thread [ URL unfurl= '' true '' ] https : XXXX [ /URL ]
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

Back around 5 years ago I had a XXXX XXXX account, it was around {$800.00}. I made all the payments on time then the company I was working FOr lost their business because of COVID-19. I decided to go back to college because it was hard with XXXX  children and no babysitter. Now in XX/XX/2023 I received a request for a wage garnishment, I filed and showed up. The judge let me know that it was approved because I didn't go to first hearing. I NEVER received anything regarding a hearing I NEVER signed for any certified mail. I was never notified. The company is called midland credit management. It was sold off XXXX  to their company. They also are wanted me to pay over {$3000.00} for a account I thought was only for around {$800.00}.
Consumer complaint received 2021-07-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (AZ)

I have had several issues with US Bank. This will be my second complaint. I called on XX/XX/2021 to remove my less than comparable flexmodification. They mislead me for 3 months with a lower interest rate and then told me my XXXX ratio was not where they prefer. Mind you they have all my loan numbers so I have not idea why they are offering the assistance they can not faciliate. 

I followed up with the bank on XX/XX/2021 they expressed that the removal of the modification I requested on XX/XX/2021 was not filed correectly. I asked them to remove it AGAIN. 

I called back on XX/XX/2021 and was told that the removal was still not filed. They continue to tell me to call back the following week every week. This has been ongoing since XX/XX/2021. 

I followed up again on XX/XX/2021 and was told AGAIN that the bank would not be able to allow me to start making my payments. I have been trying to make my payments again since XXXX. I am so frustrated and the bank refuses to help me. 

I continue to receive apology letters, yet no one will get my mortgage straightened out. 

The bank has lied to me and misfiled or NOT filed my paperwork on so many occasions that I feel this is malicious and intended to drag out my HIGH-interest rates!!! 

I could have already been through the " hardship '' plan which would be a three-month agreement I would have completed by now. 

US BANK is being nefarious and they are doing this on purpose. I have had a multitude of managers say they would call me or help me and no one will call me back. 

It is now XX/XX/2021 so it has been five months since I started calling the bank trying to find the best solution to begin PAYING MY MORTGAGE AGAIN. 

They refuse to do their jobs and process my paperwork. I have requests four times to have the modification they lied to me about and try to shove the same high-interest rate at me after telling me on two separate occasions I prequalified for 3 % interest rates. 

I have begged to go back to making my regular payments now that I am back to work but the bank refuses to do so. 


I made a good faith payment back in XXXX at the modification amount but they refused to properly apply for the money. Then in my last complaint, they indicated the money would be used to help lower my payments. Yet, they mailed that check back to me and it also means they did not modify my loan they used a payment I made in good faith for the new payment amount to lower future payments and call it a flex modification. 

I appealed the modification. I asked numerous times to remove the modification. I DO NOT APPROVE. 

THIS BANK CONTINUES TO NOT ALLOW ME TO MAKE PAYMENTS BECAUSE THEY WILL NOT PROCESS MY PAPERWORK. THIS HAS BEEN SINCE XX/XX/2021. I am beside myself with stress and anger! 

WHO CAN HELP ME?????????????????? 


See previous apology letter and still no resolution on the bank 's part. As you can see I keep trying to get this resolves.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (LA)

I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I attempted to change my address with CapitalOne. The customer service people gave me several options for verification. I don't have a cell phone so I was unable to get a text message. Then they took my daughter 's cell number and sent a link to take photos of the front and back of my driver 's license. After numerous attempts we had images that looked fine. The rep refused it. Spoke with a supervisor who refused to allow us to resubmit photos of the license. She advised it could be changed online. Attempted to go online and was told we needed to call them. I believe this company is trying to take advantage of me because of my age.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After I disputed 3 accounts and 12 Hard inquires earlier in the year around XXXX or XXXX and provided and identity theft report On my consumer report because I the Original creditor and consumer never authorize nor did I give consent to Nor did I benefit from or give Any written instructions to furnish such consumer reports upon my consumer report which they are required to have and furnish such reports pursuant to 15 USC 1681b ( a ) ( 2 ). On XX/XX/2021 I requested a copy of my credit file after disputing them. On XX/XX/2021 Transunion issued a copy of my credit file After reviewing it the accounts and inquires were gone and deleted. Which is admission to TransUnions mismanagement that the processing of my credit file has not been in accordance with all applicable laws such as a accuracy and fairness to me a consumer which is requested by congress to do so pursuant to 15 usc 1681 ( a ) ( b ). Further more on today XX/XX/2021 I sent Transunion a ( 3 ) page affidavit letting them know that they are civilly liable for such violations of federal law pursuant to 15 usc 1681n ; I put them on notice that a credit score is also a consumer report made pursuant to 15 usc 1681 ( a ) ( 4 ) ; I never gave them any written instructions to furnish such report and that is needed pursuant to 15 usc 1681b ( a ) ( 2 ) ; and such consumer report ( Credit score ) that they have furnished in my name without my authorization and written instruction is another form of identity theft and unauthorized use for I do not benefit from the score in no way and such score is hindering me from obtaining my own credit making the consumer report that Transunion furnished on its on operating under color of law is a defamation of my character for I am always the original creditor and I alone grant and extend my consumer credit by my way, and right of my signature pursuant to 15 usc 1602 ( f ) ; 15 usc 1602 ( g ) ; And for such consumer report ( credit score ) that Transunion has furnished in my name without my consent hindering me from obtaining my own credit they are not just in violation and civilly liable pursuant to 15 usc 1681n but also criminally and civilly liable pursuant to 15 usc 1 restraint of commerce and trade. I the original creditor and consumer invoked specified remedies as creditor and I have demanded the following ( see in my what would be a fair resolution to the issue
Consumer complaint received 2022-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (AZ)

I received medical care on XX/XX/20 and was billed accordingly. I was paying the bill every single month without ever missing a payment, yet the bill was sent to collections. Upon learning of the bill going to collections, I contacted The XXXX XXXX XXXX directly and on XX/XX/20 I spoke with a XXXX XXXX XXXX who assured me this was all a mistake and it would be removed from collections. Several weeks went by and I paid the entire bill in full and yet the collections statement remained. On XX/XX/20 I contacted XXXX XXXX XXXX XXXX XXXX again and spoke with XXXX XXXX who assured me it should be gone from my credit report within the next few days. I then contacted the Nationwide Recovery Systems ( the collections agency ) and they told me that it was still showing up even though I had paid it in full, but to allow them a few weeks to process everything. Fast forward to present day and I have contacted the Nationwide Recovery Systems , LTD every single day via telephone in order to resolve this matter. I have consistently been hung up on, disconnected and placed on hour long holds without any resolution. At this point this is fraud. The bill has been paid in full for almost an entire year. The debt was NEVER in default to begin with and was fraudulently sent to collections in the first place. I currently owe nothing and am unable to speak directly with anyone from the Nationwide Recovery Systems Ltd. This is fraud and is effecting my credit. It needs to be amended now.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Hello, Ive been a member with Wells Fargo since XX/XX/XXXX, and as of today I NO LONGER want to bank with them. Wells Fargo is constantly charging my account excessive fees to cover insufficient amounts for the day. within the past month I've received a total of 7 {$35.00} over draft fees. like why cant it be {$35.00} for the day and not each? They have denied me a refund on theses fees stating that I've received {$52.00} total in the past 12 months for reversal and I do not qualify for anymore. This bank has made a total of {$240.00} from me in fees. Im barely working many hours to pay my bills and no I have more fees to pay. with my children being home this summer I can not pick up any am shifts only night which has limited openings. on some of these transactions I've had the funding, its just that I miss the XXXX deposit time. at this point I just want everything closed except my credit card. t. there has been multiple issues, lawsuits, theft with this bank.
Consumer complaint received 2018-02-28
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Student Loan Center (NJ)

primer student loan center took advantage of my vulnerabilities with my student debt and offered a false offer and took my credit card information and I am asking to send me proof of my cancellation but they have not responded. I want to make sure they don't charge me because within an hour of my submission to the agreement I cancelled as I read they are a scam. They offer payment of {$190.00} for 6 months then {$30.00} per month for 120 months and that your debt is forgiven.
Consumer complaint received 2020-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (NC)

I have reached out to this company via certified letters onXX/XX/XXXX in which they failed to respond asking them to validate this debt. Then pursuant to the recent lawsuit against Santander, I was advised that Santander will be required to cease debt collection on my report due to litigation where Santander was ordered by the courts to pay {$65.00} XXXX to the 34 participating states for restitution for subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX and The settlement also includes significant consumer relief by way of loan forgiveness. My state of NC was one of those participating states under attorney general XXXX XXXX and my loan was also deemed eligible to receive complete forgiveness and relief from this debt. This debt is no longer owed, however upon multiple disputes, Santander continues to verify and validate this debt. This is a direct violation of my consumer rights and this account needs to be deleted from all of my credit reports immediately.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my official complaint against TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) for Case number XXXX Judgment of Possession on XX/XX/2018. This information is inaccurate and unverified directly by XXXX XXXX XXXXXXXX XXXX And XXXX XXXX, XXXX XXXX, Florida. According to XXXX XXXX XXXX records searched by XXXX XXXX found NO SSN or Drivers License or any other verifiable identifiers that ties my name XXXX XXXX directly to this eviction from XXXX XXXX. As stated by XXXX XXXX, there are several XXXX XXXX 's in their database and no identifiers that ties this eviction to me. Under The Fair Credit Act, you are required by law to remove this inaccurate unverified information from my consumer report immediately. XXXX XXXX, Florida is the original source and I have attached their original letter sent me by request of the clerks office as proof that this eviction Case number XXXX is not identified as XXXX XXXX with correct SSN and Drivers License. Original emails to the clerks office was attached. 

I have supplied TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) with this information and they refuse to remove this unverified information and continued to update Case number XXXX was updated to show as Judgment of Possession on XX/XX/2018 on your consumer report. TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) is violating my rights Under The Fairs Credit Act 605, 609.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (FL)

XX/XX/XXXX my name is XXXX I purchase a XXXX on XXXX from Ally financial I have been paying on the van for over 4 years I have paid about {$17000.00} for the van already the van when I first bought it the value of the purchase price was {$19000.00} at this moment in time Ally financial is telling me that I owe them over {$19000.00} this is impossible because I already paid them over {$17000.00} I tried very hard to communicate with them and the representative of Ally but they refuse to give me statements or help me in answering my question about the amount of money they said that I owe them that I feel is not true I'm trying really hard to pay off the van and not get a repossessed but they are not helping me at all they told me at one time six months ago to get on a deferred payment plan because of the virus. They're not willing to help me at all in no kind of way or there's no one that I can speak to they put me on hold for hours at a time and never answer my questions I need some help. My cell phone XXXX
Consumer complaint received 2019-08-19
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: SYNCHRONY FINANCIAL (TX)

I check my XXXX credit report 7 days a week and continue to monitor it and there where two inquires with sync/walmart bank I didn't  authorize and I called syncormy bank and told them about it and they haven't done anything but would contact XXXX to have it removed and I also contacted XXXX ( the worst credit bureau) ... and the fraud dept haven't done nothing about it and each time I filed a complaint on this bureau they would reply to the CFPB ' HE IS A VICTIM OF FRAUD' That is so XXXX ..... and XXXX  haven't been removing some of the inquires off my credit report that are marked fraud and it shows that I have 12 of them and I should have at least 4 vaild inquires which are XXXX XX/XX/2019XXXX XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XXXX XX/XX/2019 walmart/syncb has two fraudulent inquires on XX/XX/XXXX twice
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MI)

I was contacted by a debt collector called Phoenix on XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating this was from XXXX years ago, and defaulted XXXX years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card 10+ years ago, but it was paid off. I have not had one since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my Husband. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in XXXX the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.
Consumer complaint received 2024-02-04
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. (MD)

Over the past TWO YEARS, Experian has been verifying and updating accounts without proper verification and investigation. So, lately, I've decided to take it to CFPB to get justice. I filed a complaint with CFPB on XX/XX/XXXX. Experian already responded to it by opening AND completing two disputes, dispute numbers : XXXX and XXXX. They did nothing but open and close the dispute on their end. No investigation was done. I will be attaching another dispute letter to this complaint as well so that you can provide me with your findings from the investigation and methods of verification. Included in this letter is also my proof of identification and residence : SSN Card Utility Bill, and License. Thank you!