davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Jefferson capital system XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear Jefferson capital system I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (IN)

To : Federal trade commission, I am XXXX XXXX XXXX [ Copy right secured party creditor. 
For the past 5 months I've been getting letters In my email and my mailbox too, from synchrony bank XXXX XXXX card, Synchrony bank has open Many account in my name what would the reason for all that? 
1st of all my a Account was hacked someone use a account so they closed. And after that they issue more credit card but-XXXX balance no money to be use it was just my plastic squirt thing with number. 
When the bank use your name To open New account They The take the signature directed to this XXXX XXXX XXXX  And then there Percent my signature to, To be able to get the money for them not for me I know that. 

So every time they ask for money they benefit Not me. What I need the federal trade commission to do for me is to investigate. 
The account been close end [ XXXX ] they are been harass, me with Email Paper mail in my mailbox They harassing me with certificate mail, I I have finished talking to them and and I have done with them no more talking to synchrony Bank. this is a violation of my private security Agreement filing a New York UCC 1. Trademark copyright. 

They don't suppose to email me their own supposed to send mayor into my mailbox that was clear to them. They continue harassing me to pay the amount They I didn't create their one {$2300.00} when my XXXX was only {$1900.00}. The creating credit late fee height Interest charge. Even they know they don't suppose to do any their stuff because I not responsible for the account they know that you can not speak to them they not listening this need to stop. 

I'm going to file a commercial lean again synchrony Bank. I have enough evidence to do that.
Consumer complaint received 2018-02-22
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. (IN)

I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WY)

Im writing this letter with the hope you can intervene and get Wells Fargo to properly review my loan for assistance options. My issues started in XX/XX/2016, when I took a new job that at the time, felt like a huge opportunity. 

But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less. 

I contacted the bank, but the only option they gave me was to pay everything. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am in danger of losing my home.
Consumer complaint received 2021-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Colony Brands, Inc. (IL)

My balance with this Company was {$270.00}, I paid {$30.00} payment on XXXX this Company hasnt apply this payment. My balance should be {$240.00} after payment, I dont want to waste my time calling and nothing is being done. Most likely I will be closing this account dont have time to XX/XX/XXXX anyone to do their job. My account # XXXX. Can you please take care of this for me please Im XXXX yrs of age and dont have time for this.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have filed a number of complaints against American Express. I have also submitted a request with the XXXX to stop marketing of credit cards to me. I also specifically made a request to American Express to discontinue marketing to me. I have tried to use their advertisement and was unfairly denied for their business card. My business XXXX XXXX XXXX XXXX is registered in my name and likewise i have requested American Express stop marketing to me. I have a XXXX credit score and otherwise qualify for my credit cards. I do not want to be part of marketing where i am denied credit. As such, i have made every effort to stop marketing material from American Express. I was sent another marketing today, this time to my email for American Express. I was again not approved and i have multiple times told American Express to stop sending me more advertisements, which they deny me for. I am not interested in the material and i have made multiple requests for these communications to stop. I do not want any more of these advertisements or promotions. I was promised by American Express in writing that i would not receive any additional marketing and i still get marketing. I chose to unsubscribe and expect the communications to stop from American Express.
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation (PA)

Scheduled final payment of {$750.00} to be withdrawn from acct on XX/XX/2020 After talking with my partner we decided to make our final payment of {$750.00} on XX/XX/2020. On XX/XX/2020 OneMain withdrew {$750.00} from our acct. I was not given a reason why only that an overage check was approved on XX/XX/2020 but company policy said there has to be a 14 day waiting period before my check is mailed to me.
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (MA)

I recently became aware of 2 payday loans that were opened using my personal information in 2017. I am a victim of identity theft, and I did not apply for these payday loan. One of the loans was paid off ( presumably by the fraudster, I am thinking it was auto-drawn from the checking account they were using ), but the other loan was never paid and got sent to a collections agency. CashNet USA is now attempting to collect this debt from me, despite my numerous attempts to resolve the issue. I have called and emailed, but I never get a call back from the department working on my case. I was told my claim was denied because I am a " return customer '' ( I assume they are referring to the other fraudulent payday loan that was taken out in my name ) and that the checking account the fraudulent loan was deposited into was a XXXX account with my name on it. I have checked with XXXX several times, spoken with my personal banker as well as multiple customer support supervisors, all of whom have confirmed that the account the loan was deposited into does not have my name on it. They can not provide me written proof of this, because this account does belong to someone and XXXX has a responsibility to not release their information. I am not sure where CashNet USA is getting the information that this is my checking account, but every time I attempt to contact them for more information, I am told it will just be passed along to the department handling the claim. I have emailed this department directly and not received any contact back. I have sent them my police report and all of the supporting documents I have to prove that this was fraud. I have spent hours and hours working on proving that I am not the one that applied for this payday loan, but CashNet USA continues to attempt to collect this debt from me.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Mortgage was transferred to Option One showing a refinance 30 yr. in the amount of {$100000.00}. We never agreed to this in XXXX. 
I have been in contact with XXXX XXXX XXXX Consumer Account Analyst at the Consumer Ombudsman office at PHH Mortgage. The last conversation I had with him was on XX/XX/XXXX and he stated they were still working on it and he would send me a letter when it is completed. The Pandemic hit and I knew they were closed. I waited until XX/XX/XXXX and called his office, there was a message that he was working from home, but I could not understand what he was saying to reach him. I did call the main phone number and spoke with a representative, she would not give me any email or phone number for him but said she would send an email to the office of Ombudsman. I waited on the line while she did this and I was assuming that she was referring to the office there at PHH Mortgage, she told me I should be hearing back within 10 days, this occurred on XX/XX/XXXX. I also mailed Mr.XXXX  a letter on XX/XX/XXXX, thinking that he may check in for any mail. 
So at this point I am at a standstill.
Consumer complaint received 2020-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On/about XX/XX/2020 I refinanced {$100000.00} in private student loans with XXXX XXXX, previously held/services by American Education Services ( Account # XXXX ), resulting in a negative balance of ( {$2200.00} ). 

On/about XX/XX/2020 American Education Services ( AES ) issued a credit/refund in the amount of {$2200.00} to XXXX XXXX, who is not the account holder, nor associated with the account in any aspect. 

I contacted AES via website inquiry about the refund of the negative balance as was informed that checks were sent to XXXX XXXX. I then contacted AES via the website chat feature and was informed that AES policy is to issue the excess payment back to the payer. That language is not written in any of the loan documents for those loans serviced by AES. AES states that XXXX XXXX will credit the balance of my new refinance loan, but that language is not written in the loan document between me and XXXX XXXX. 

In addition, AES confirmed that the total amount refunded is {$2200.00} ; which is ( {$6.00} ) less than the actual negative balance then on the account of {$2200.00}. 

I am lodging this complaint to ensure this money is accounted for, and moreover, that AES has fraudlently refunded money ( and witheld some portion of the refund for their own gain ) from an account to someone other than the account holder.
Consumer complaint received 2020-04-29
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5900.00} XXXX  XXXX {$840.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$790.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$770.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$570.00} XXXX  XXXX {$40000.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}
Consumer complaint received 2020-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have initiated contact and accepted calls from Navient to discuss resolving my school loans. Previously, all of the loans were supposed to be on deferment because of the Covid situation and me losing my job. The loans went from being covered entirely to only one specific loan. The few times I called I was given the run around and the customer service rep was only focused on how I would be paying my bill for the month. No assistance whatsoever. Again, this is me initiating the call. Between the months of XXXX to now, XXXX, I receive about 40 calls PER DAY from Navient. I am not even counting the emails that are sent. The company calls from different phone numbers, from all around the nation. I know because I have picked and spoken to a few and I have googled the numbers. Numerous complaints from people. It is beyond harassment and its frustrating to not even be able to receive calls because they are taking up the line. HELP!! Something needs to be done about this with this company. If other companies can not do this, why does Navient feel like they can.
Consumer complaint received 2020-04-29
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: EQUIFAX, INC. (NE)

CFPB case # XXXX I received a letter from Equifax today that they have resolved my issue. Problem is, they sent it to my address with the other person 's name - stating that they have changed their address to mine. 
So instead of separating it as they were supposed to, they made it worse. 

Equifax case # XXXX
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: KEYCORP (NY)

In XXXX, I had an active credit card with XXXX XXXX XXXX  ( " XXXX '' ) which experienced fraudulent charges. XXXX removed the charges and I closed the card. In XXXX, Keybank acquired XXXX and the fraudulent charges were reactivated as a due balance in error. Keybank was aware of this error and in XXXX they notified me that the charges are not valid and to disregard any statements asking me to pay a past due balance and they said they would close out the account. 

On XX/XX/XXXX I opened my first ever Keybank checking account and enrolled in online banking with Keybank. Upon signing in for the first time I saw a credit card linked to my profile with a balance due of {$240.00} and with a payment due date of XX/XX/XXXX. I immediately called Keybank to understand what the credit card charge related to - I had forgotten about both the XXXX and XXXX issues described above. After spending XXXX on the phone, having been shuffled around to eight ( 8 ) different groups, I hung up the phone to attend to my full time job. Each group told me there was nothing they could do, in some cases I was transferred to the same group twice, and one group ( online banking ) even told me " it wasn't there problem. '' I called back about an hour later and I was put into a queue for a supervisor on the credit card service team to call back when they are free.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (WI)

I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine. 
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation. 
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota. 
I began to get alerts of a NEW device accessing my online banking.. 
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card. 
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus. 
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Credit Systems on XX/XX/2022 and I have no recollection of doing any business with Credit Systems. I am in the process of contacting Credit Systems but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. Auto Credit Corporation (AL)

The listed price for the vehicle is not listed in my contract, TILA wasnt disclosed, the mileage in the contract wasnt the mileage on the odometer, I was rushed into signing to discover the saleswoman printed my name on a page in the contract, I wasnt given the option to opt of GAP when I already had insurance
Consumer complaint received 2021-02-28
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. (MD)

On XX/XX/2021 I sent a letter regarding the inaccurate payment history on my credit report. To this day over 60 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been over 60 days so they should be deleted promptly. I demand these account to be updated or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data.
Consumer complaint received 2024-02-20
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itema listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$230.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.