davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (GA)

In XXXX, I applied for a {$5000.00} from NetCredit ( XXXX, Illinois ) that was approved and directly deposited into my checking account. I started having payments debited for {$260.00} monthly starting on XX/XX/XXXX ( XXXX of each month ). Ive paid over {$3200.00} to NetCredit and still owe a balance of {$4900.00} as of XX/XX/XXXX. NetCredit is a Predator Lender and a XXXX XXXX XXXX in violations of Georgia PayDay Lending Laws. This wasnt disclosed. I need help to avoid being taken advantage of Financially.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC ()

Jefferson Capitol calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Original I sent this to the CFPB : On XX/XX/XXXX XXXX XXXX was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. XXXX XXXX never responded to my letter. XXXX XXXX was stating that I owe XXXX. After the letter was sent, I checked my credit report onXX/XX/XXXXand the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today XX/XX/XXXX XXXX  XXXX jumped the loan amount back to {$50000.00}. Experian responded : Thank you for submitting your complaint on XX/XX/XXXX  through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB  portal and directly to Experian. On XX/XX/XXXX, we sent you a notice stating that in order to research your complaint, please provide your full name, including middle initial ( and generation such as JR, SR, II, III ), previous addresses for the past two years, complete Social Security number and date of birth. As of XX/XX/XXXX, we have not received the requested information. Once we receive your complete identification information, we will promptly address your complaint. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX  Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. This is quite concerning knowing that Experian is not doing their job with handling complaints and lying saying they have n't received information from me. Attached are the documentations proving that I 've sent in the information verifying my identity. I also called Experian and verified that they received my information to which the representative told me yes and my new information was updated on my credit profile. I will also include a copy of my report with my updated address on it.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX XXXX  Account number : XXXX, XXXX XXXXXXXX Account number : XXXX, XXXX  Account number : XXXX, XXXXXXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (WA)

There is a collection from Wakefield misreporting a balance to XXXX and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

Seneca Mortgage is a loan servicer for XXXX. They collect the loan amount as well as hold money in escrow for taxes and insurance. Seneca Mortgage frequently changes the monthly amount owed in order to collect late fees - I automatically pay my mortgage the same amount monthly. Seneca will then make harassing phone calls that we have n't paid our mortgage in full and access a late fee. This is incorrect. We 've payed the mortgage and they 've changed the amount owed for taxes and insurance and then issue a late fee. I have requested that Seneca Mortgage no longer collect our taxes and insurance which they 've denied. I am well with my rights to do this as per XXXX guidelines XXXX I believe this is a fraudulent practice that must be affecting others that have loans with XXXX and being serviced by these crooks.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Citibank denied me on XXXX/XXXX/17 a Citibank business XXXX XXXX Advantage card. Application ID : XXXX. The denial was based upon religion. My credit score is very high. I would not mind if they gave me a card with low credit, but they outright denied.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On  XXXX   XXXX    XXXX  , I submitted two payments to  XXXX  USAA credit cards for  XXXX   XXXX  posting. One for {$50.00} and another for {$350.00}. The {$50.00} payment posted on  XXXX   XXXX  and was available for use on  XXXX   XXXX . The {$350.00} payment was placed in a pending status, the funds cleared my  XXXX  account on  XXXX   XXXX , but the service representatives I spoke with on  XXXX   XXXX  did not do anything to make the funds available. Because of this, my daycare payment will be late and I will be charged a lofty late fee. In nearly 8 months of having both of these credit cards, neither has ever had a hold placed on a payment for more tha n 1 business day ( hence m y reasoning for posting a payment for  XXXX   XXXX  - to give it 2 days to post ). The representative and his superviso r (   XXXX   XXXX  and  XXXX   XXXX   ) were  only able to tell me that this was standard USAA practice to place funds on a 7-8 business day hold and there was nothing they could do.
Consumer complaint received 2015-06-04
Product: Other financial service — Check cashing
Issue: Excessive fees — 
Company: First Data Corporation (TX)

My complaint is about TeleChek. I had occasion to visit my local urgent care clinic and since I had left my purse at a local restaurant I grabbed an old checkbook out of a drawer. When the bank notified me of my mistake I went back to the urgent care clinic and wrote them another check. I later learned that TeleChek was refusing to authorize my check and was told to contact them. When I told them what happened they demanded {$30.00} before they would authorize any more checks and also collected ( again ) the fee for the urgent care center, which I had already paid to the urgent care center. I tried to explain but was told either I pay or I can never cash another check again. When I asked for a supervisor I was told non available. I wrote telecheck and complained, asked what government agency was responsible for them and they told me the wrong agency. I finally found out the right agency, wrote to them, no answer. I feel like I have been blackmailed. I never contracted with Telechek. They are not my bank. I do n't understand what right they have to fine me for making a mistake except that they have the power to deny me ever being able to cash another check. Thanks for listening.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-24
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. (GA)

XXXX and Transunion are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-24
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: EQUIFAX, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT ALSO WAS IN THE EQUINOX DATA BREACH I HAVE BEEN GOING OVER THESE ISSUES FOR MONTHS NOW IN REGARDS TO FRAUDULENT THINGS REPORTING ON MY CREDIT SERVAL TIMES AT LEAST EVERY MONTH THIS YEAR OF 2019 I HAVE TRIED TO HAVE THIS ON GOING ISSUE RESOLVED.
Consumer complaint received 2016-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (SC)

XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MD)

I have been attempting to resolve a debt with Calvary Portfolio for a while. I do not know what this debt is for. I previously sent a few request to this debt buyer requesting they provide me with a contract or documentation bearing my signature showing what I agreed to, the terms and conditions involved, and when I entered into this alleged agreeemnt. To date this company has intentionally negated my very specific request. They provided me with a letter offering sympathy for a payment plan and one print out of what is supposed to be an alleged debt. There is no signature and the file of evidence is incomplete.
Consumer complaint received 2017-06-01
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. (MD)

I have tried resolving this matter with the debt collector after learning of this debt after obtaining my credit report. For months I have been going back and forth. I originally  sent 2 le tters to  XXXX   XXXX  asking them to validate this account listed on my credit report. I asked them to provide me with documentation bearing my signature or a contract that shows what I agreed to or what terms and conditions I signed up for. I am not even sure if the statutue of limi tations has expired on this account, if in fact it belongs to me however, with no contract I have no way to be certain. Under FCRA 609 I requested this information and it was not provided. However, the company did provide me with a small printout of one statement that does't look authentic in my opinion. This account is mere hearsay. After no resolution was made between myself and the collection company I reached out to the credit bureaus I was told this account was verified and met FCRA requirements. I asked the CB to provide me with the documentation and or information that was used to validate this debt to date no information has been provided to me. Instead I received a letter stating my claim could not be invesigated because the address listed on my letter did not match my credit file which is a lie I have attached a prinout of my credit report reflecting the address is listed. I will not send any personal financial documentation to a 3rd party compan y as I legally do not have to. I provided my social security number. Also after another search this debt collector is not licensed to collect in my state.
Consumer complaint received 2017-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (CA)

On  XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00}  ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (MI)

Hello, On XXXX I opened my Kabbage Checking Account ( Sole Prop. ) XXXX. This was opened under XXXX XXXX under my Name and SSN. At the time there was a Bonus of {$300.00} for making 5 debit purchases within 45 days. Five Debit purchases was completed XXXX. My account balance was {$27.00} on XXXX. 

Then sometime between then and XXXX my account was locked Pending additional documents for verification. I provided My Drivers License, Tax Returns, and a Bank Statements. 

However My account is still locked after sending emails and talking to representatives over the phone. No one has been able to unlock it. I am requesting my All my money including the {$300.00} Bonus and my account to be unlocked. I have given enough time to figure out what to do. I have supplied all of the required documents. I have attached an email I sent and the Bonus Disclosures along with the proof that my account is locked. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Consumer complaint received 2019-10-24
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: Early Warning Services, LLC (TX)

Early Warning Services does not have a way to report fraudulent information, and there are Inquiries on my Early Warning Services report that I have not authorized nor did I apply to any of these companies. I am a victim of identity theft, and per law 605 ( B ) I have a right to request information resulting from fraud or Identity theft to be blocked from my consumer file. These inquiries are listed below, and I want Early warning services to correct it immediately. 

Inquiries - XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Empowerment Ventures, LLC (NY)

XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

It has come to my attention, that Fair Collections and Outsourcing ( FCO ) stated on XX/XX/2021 that the above referenced account was assigned to their office. As a consumer, I have the right to ask that this debt collector show and provided to me proof that FCO has the legal right to collect. Fair Collections & Outsourcing is in violation of my rights as a federally protected consumer.
Consumer complaint received 2017-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK (MO)

I was attempting to settle a debt on a credit card with Commerce bank through XXXX XXXX. I submitted a settlement on the account when contacting them to check on the settlement I was then notified of a {$25.00} demand check card that is owed. I have all of my previous cards from Commerce none matching the numbers provided. And Iv been with XXXX XXXX since leaving Commerce in XXXX 2015. The dates do n't match up, and neither does the card numbers. And this was never mentioned previously to me. They could provide no transaction records or any other information to me. The lady I spoke to said she was n't aware of this account previously. And they will not allow me to settle the credit card debt without this being resolved.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : NQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.