davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (OH)

On XXXX XXXX, 2017 I made an online payment of XXXX for my car loan for Bridgecrest ( formerly XXXX ). When that payment posted to my bank account on XX/XX/XXXX Bridgecrest had taken those funds twice. I then called my bank and they reversed one of those payments due to Bridgecrests error. On XX/XX/XXXX, I checked my Bridgecrest account and noticed that they had reversed my payment on their end and charged an NSF fee. I then called Bridgecrest where they continually told me that the payment was stopped. I explained that the payment was reversed by my bank due to them pulling it twice. They said the only thing I could do was send a bank statement as proof the payment came out twice and was reversed once. I asked if there was another means of providing proof since my bank statement wouldnt generate for 2-3 more weeks. They then said that it must be my bank because other banks will provide it and I could only resolve it with a bank statement. Once I received my bank statement on XX/XX/XXXX, I emailed it to them. After a week of no notifications, I called and verified that the statement was in fact received. The manager said that it would be sent over to the treasury department to be fixed and she saw that there were 2 payments made and one reversal. She also assured me that the collection calls would stop while they fixed it and it should only take 48-72 hours for the error to be resolved. Today, XX/XX/XXXX, I had to call them because I have continued to get collection calls and the issue still hasnt been resolved. When I called the manager told me that after research they never received the payment and it wouldnt be fixed. I then spoke with XXXX who was extremely rude and after not taking no for an answer she asked that I emailed her my statement again for research. I asked how long before she got back to me and she couldnt answer my question. Bridgecrest is essentially stealing my money and do not want to fix an error that was made by them. I am having to call and email information over and over with no resolution. Also, during this time I have only received automated collection calls. No calls from a live person or a letter to inform me of what is going on.
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I never received any information with respect to this debt prior to it being placed on my credit report as a collection account. I was told by a mortgage lender as I was seeking pre-approval for a home loan, that a collection account with XXXX XXXX was on all three credit reports and provided me with the information regarding the creditor. I proceed to request debt validation and submitted a proposed settlement offer to pay the balance in full provided the debt could be validated as requested in the letter. The company responded with a letter written in " Spanish '' and what looked like a screen print of an account balance from their own system nothing from the original creditor nothing with respect to the debt being purchased or assigned to them, nor did it have any details that I was the owner of the debt. Not only was there no information regarding validation but I was deeply offended that it was sent to me in " SPANISH '', I wrote them a well written proposal in " English '' and I have NEVER placed on any documentation anywhere that " SPANISH '' is my preferred language of communication. I found this to be incredibly racist as well as an prime example of discrimination toward me as I have a XXXX last name. This is likely a stall tactic as they can not validate the debt, and would prefer to attempt to sell this invalidated debt to another debt collector as they know they can not legally collect on this debt.

I have attached PDFs of the letters that I submitted to XXXX XXXX and I would be happy to provide their response letters, and the certified mail return receipts as well.
Consumer complaint received 2018-03-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Worldwide Processing Group, LLC (CA)

On XX/XX/XXXX, I received a call from Forward Movement Recovery claiming that I have an outstanding debt with XXXX XXXX  and they are a company trying to collect that debt from sometime XX/XX/XXXX-XX/XX/XXXX time line. I explained to the representative XXXX   ( XXXX  ) that this is a false debt, and was paid already to a debt collector. She requested me to find records from XX/XX/XXXXalmost 8 years ago and I will get back to her and the company as soon as possible. Since that day, they have called me and my contacts and references since XX/XX/XXXX including today. She had stated that the company is going to call everyday and once a day to me and all my contacts until it is settled. This is an entirely different conversation fromXX/XX/XXXX.

The contact for Forward Movement Recovery is ( XXXX  ) XXXX ( XXXX  ) XXXX I will also be filing a complaint against cash central because this debt was already collected by another debt collection company back in XX/XX/XXXX/XX/XX/XXXX
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

have called Equifax multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Equifax is supposed to protect my information and has failed to do so. XXXX XXXX   has ran my credit multiple times and had no authorization to do so. Also I know my social security was part of the breach that happened.

XXXX XXXX :XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX Its pretty ridiculous that this is even happening.
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (WI)

On XXXX/XXXX/15 I had sent a request for ALL of my loan documentation to which I am legally entitled to receive. American Education services deliberate refuses to provide ALL requested documentation. I have attached my correspondence to American Education Services as well as their reply.
Consumer complaint received 2019-10-26
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. (KY)

I was part of the Equifax data breach. Now there are a pair of fraudulent claims on my Equifax report attributed to " XXXX ''. For many months I have tried to get Equifax to remove the fraudulent items, but they refuse. They refuse to provide any proof with a signature. They will only say that they have checked with XXXX and XXXX says it is real. ( That doesn't prove anything. ) I filed a previous complaint with CFPB and Equifax waited two full months ( already a violation ) to say that it is real and once again provided NO proof other than saying XXXX says it is real. They need to remove it from my report. It is fraud and they are helping commit it. The reason they will show nothing with my signature is because it doesn't exist. 

They are repeatedly violating federal law by refusing to remove it. They are violating federal law by fraudulently claiming they investigated, which they didn't. I want to file a legal complaint against them. It is bad enough they gave out all my personal data in the data breach, but now they aren't even helping to clean up the mess like they agreed in the settlement. 

For the record, the other two bureaus agreed it was fraud and removed it. They aren't intent on breaking the law. 

I'm tired of going in circles about this. CFPB, please start enforcing the law. Don't allow fraud. Don't allow extortion through manufactured ( ie fake ) debts that never existed. Whoever is reading this : imagine if someone falsified a debt that you owe them money, with no proof, and reported it to the credit bureaus and said the only way it is coming down is if you pay the false debt. Now imagine one of the bureaus backs them up. That's exactly what is happening here and it is illegal. Equifax is breaking the law. Enforce the law.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Douglass & Associates Co. LPA (OH)

Regarding : DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX Incorporator. <P/>I am a third party and received a call from DOUGLASS & ASSOCIATES CO., L.P.A. <P/>on Thursday, XXXX XXXX, 2017 at XXXX XXXX <P/>on my personal cell phone where the caller, XXXX, representing DOUGLASS & ASSOCIATES CO., L.P.A. <P/>left a message attempting to collect a debt regarding another party. <P/>I, as a third party, have never given permission to communicate with my personal cell phone. <P/>DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX, Incorporator in violation of 15 U.S. Code 1692c ( b ) : [ W ] ithout the prior consent of the consumer given directly to the debt collector a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2017-09-30
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. (TN)

Experian Credit Bureau was notified that XXXX XXXX XXXX was wrongfully remarks as revolving acct ... .It is properly address as a real estate mortgage. The wrong classification damages the XXXXredit score. XXXX 2017
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXX card claimed they would give me a XXXX welcome bonus after I spent {$4000.00} in 3 months. I have already completed it in XXXX and have n't received their rewards up to now. I made several calls to their customer service, but still no updates, which they promised would give me a feedback on XXXX XXXX. I made another call today, they say they can do nothing to help and do not want to give me a timeframe of when they can fix it. I do n't think they really want to pay the rewards. If they do n't give the deadline, they can even pay it after 10 years.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I went onto my Experian on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (AZ)

Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old XXXX credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from XXXX, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
Consumer complaint received 2023-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Due to financial hardships and XXXX was put on a forebearance plan by Carrington Mortgage XXXX XXXX I was making payments as I could. Forbearance ends on XX/XX/2023. I applied for mortgage assistance with the mortgage company and the only option available, per XXXX, was to liquidate the property. Just needed some assistance with the arrearage, I can now pay my monthly payments but theyre no giving any assistance. The government give assistance to these mortgage companies and now theyre pulling the rug from under people. They would rather take your property and sell for less than help the home owner.
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (IN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 Section 602 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't furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 


For the Month of XXXX and XXXX The amounts each month are {$560.00} Both are paid
Consumer complaint received 2018-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (IN)

I applied for XXXX XXXX  on XX/XX/XXXX and was approved through TD Bank. I placed an order on XX/XX/XXXX and then cancelled it as my promotional item wasn't included even though I had selected it. OnXX/XX/XXXX I placed a new order that included my promotional item. The order went through and I saw the pending withdrawl on TD Bank. A few hours later I get an email that my order was suppressed and cancelled. So I waited 24 hours and placed the order again on XX/XX/XXXX and again it was suppressed and cancelled. I waited 48 hours and tried to place the order again onXX/XX/XXXX and still it keeps getting cancelled. I have called XXXX and TD Bank numerous times trying to get them to fix this issue as all my information is correct but they just keep telling me it's due to a fraud alert. XXXX  says it's TD Banks issue and TD Bank says it's XXXX  issue. I've called and verified all my information over the phone but yet they still will not let me place an order. At this time I have a hard check on my credit report as well as approved financing that XXXX  and TD Bank refuses to let me use.
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo management and or their so call investigators are protecting thieves working in one of their Pt. XXXX XXXX, Florida branch offices. 

I have provided proof positive evidence that {$1200.00}. Disappeared from my account on or about XX/XX/2021 when one or more staff reconciled their ATM machine. 

The hardship caused by this theft has caused my XXXX XXXX XXXX wife and I age XXXX irreparable harm and Wells Fargo continue to treat this issue like a joke. 

They refuse to return phone calls after sending letters with a phone number to call for questions. 

Wells Fargo have added insult to injury by offering {$100.00}. after stealing {$1200.00}. From my account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I am concerned about the Equifax data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.
Consumer complaint received 2017-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XXXX XXXX,XXXX, I filed a complaint with the BBB regarding the collection company Portfolio Recovery Ass. in regards to validating a debt that was said that was owed in the amount of {$460.00} to the company. The BBB sent the complaint to the company and the company stated that they sent me validation of the debt, in which they did not. On XX/XX/XXXX, I sent another validation letter to the company asking for specific information regarding this account. I am not sure how this debt was able to be reported on my credit report without proper and accurate information. This company is clearly in violation of the law, so if this company can not provide the proper documents needed to verify this debt, then this debt should be removed from the 3 reporting bureaus. The reporting agencies has to report accurate information on every consumer reports and if not it should be removed. This inaccurate reporting has hindered my credit for a few years now and I have suffered enough and I want this inaccurate information removed from all 3 reporting agencies. In this complaint, I have included the complaint documents sent to BBB as well as the letter that sent from this company regarding validation.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Synovus Bank (WV)

Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.
Consumer complaint received 2015-07-25
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (NC)

In XXXX, my husband lost his job and I had to file bankruptcy chapter XXXX. Within that first year, I voluntarily vacated the bankruptcy and made settlements with all my creditors. On XXXX/XXXX/XXXX I received a settlement letter from SST, signed by XXXX XXXX, stating if I paid {$1600.00} by XXXX/XXXX/XXXX, my accounts status would reflect Closed-Settled. 

Since then, neither XXXX, XXXX or XXXX reports, " Closed-Settled. '' I filed several disputes over the years and made numerous calls to correct this error. Just here recently, on XXXX/XXXX/XXXX, I spoke with SST 's operator XXXX and she stated, she was not changing the status and it was going to remain there for the next XXXX years. I called SST back on XXXX/XXXX/XXXX after I located my letter ; again I spoke with XXXX and she refused to even listen to or acknowledge my letter, until I offered to fax it to her. At that point she finally admitted to locating the letter in her system. After several more minutes of speaking with XXXX, I began to feel she was taking this issue personally and was n't going to be of any help. 
Finally, I asked to spoke with a supervisor and XXXX stated, I 'm not connecting you to my supervisor, but I 'll connect you to a supervisor ( unnecessary comment ). Within a few moments, XXXX came to the phone. At first, XXXX was upholding XXXX position until she read the letter for herself. She then informed me, she was going to have XXXX add notes to the account to reflect closed-settled. I informed XXXX, the letter does n't mention " notes '', and this was unacceptable. She read the letter again and agreed to have XXXX update the status of my account with all XXXX agencies by the end of the day. Well, today is XXXX/XXXX/XXXX and the status was updated with XXXX to reflect that I was in Chapter XXXX Bankruptcy-Dismissed, something I never filed. To add insult to injury, comments were posted, " Account paid in full or less than full balance ''. Moreover, my XXXX has n't been updated at all, it still reflects Charge-Off.