davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (KY)

{$1100.00} was withdrawn from my savings account fraudulently by XXXX XXXX. I disputed the transaction with my bank and the charge was reversed. I was later turned over to a collection agency, TRS and Telecheck. I contacted TRS and submitted the dispute form online. I received a paper dispute form because I was told they needed a signature. I filled that out, including signature, and returned it. I have since received another dispute form. I have filled the dispute form out no less than 4 times ( twice electronically and twice paper ). I have no other information about this transaction because its not mine. Ive previously called and was told to either pay it or fill the form out which I have done on multiple occasions.
Consumer complaint received 2019-11-06
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 — Investigation took more than 30 days
Company: Fay Servicing, LLC (CA)

I was divorced XX/XX/XXXX and the divorce decree stated that a property with a XXXX XXXX XXXX line of credit was given to my ex-wife. The line of credit was {$100000.00} joint account if both of our names. In XX/XX/XXXX Fay Serving LLC acquired the property and sold it for {$110000.00}. I was never notify that the property was transfer to another company or in forecloser, I never sign or agreed to anything. The property sold for {$17000.00} more than what was owed on it. My ex-wife received the proceeds from the sale. Fay Servicing LLC reports the forecloser on my credit report and social security number for taxes and I didn't receive any of the proceeds either. I had no control over this property or decisions on the sale.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (AZ)

This complaint is in reference to a Barclay account. On XXXX/XXXX/XXXX I sent a request certified mail for a copy of the ACH/electronic payment authorizations ( see attached Barclaycard Letter to Send Request, Barclaycard certified mail receipt and BarclaycardletterforACH ) because this account seems to have been confused and link to a bankruptcy that I filed in XXXX ( see attached BarclayBKACHaccount and Barclayincorrectinfo ) I have not heard anything back from Barclay in reference to the request for ACH/electronic payment authorizations. I checked in person with the Post Office on XXXX/XXXX/XXXX it has been delivered to the P.O. Box but never pickup. I used the address provided by Barclay in the CFPB complaint response # XXXX at the bottom of their letter Card Services P.O. Box XXXX XXXX, DE XXXX Also I disputed both of these accounts with the CRA 's. The Barclay account # XXXX, this is not even a valid account number with any accounts that I ever had in XXXX. Nor did I pay an account off with Barclay in XXXX. 
Barclay Account number ending # XXXX was link to a bank account for ACH/electronic transfer that was listed in a BK in XXXX.
Consumer complaint received 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (IL)

The complaint is regarding a XXXX loan serviced by University Accounting Services, LLC ( UAS ) for XXXX University. 

I did not receive the required notice ( s ) prior to the loan repayment that was supposed to be received in XXXX XXXX. 

In XX/XX/XXXX, I received my first statement after the Covid-19 pause which reflected an Original Loan amount of {$9000.00} ; Current Balance of of {$8200.00} ; and interest balance of {$73.00} which appear to have been included in the Current Balance of {$8300.00}. There was no description in the " Recent Activity/Message '' area. 

In XX/XX/XXXX, I received my second post Covid-19 statement which reflected Interest Accrual in the amount of {$1600.00} listed in the " Recent Activity '' area. The Previous Balance on this statement reflected {$8300.00} ; Interest Balance of {$1600.00}, and the Current Balance significantly increased to {$9800.00}. 

I spoke with XXXX of UAS on or about XX/XX/XXXX regarding the interest charged to the account, which is incorrect. I requested an explanation for the interest and current balance and verbally disputed the amounts. XXXX told me that he was requesting a review of the account and I would receive an email by the end of the week. I have not yet received a response the UAS regarding this matter. 

Another matter that I would like to be reviewed is regarding the documentation that should be received as deferments and pauses are over or have ended.
Consumer complaint received 2017-05-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EZCORP, INC. (TX)

There are people fro m e z mo ney loan which no longer exists calling me and threatening to have me arrested for fraud and that my probation will be revoked. I called  e z lo an and was told th at e z mon ey loan no longer exists. It went bankrupt and all loans that were through them were written off and I no longer owe them. The people calling me and threatening me are the frauds. They said I had to pay {$390.00} by  XXXX  today  XXXX   XXXX ,  2017 o r a warrant would be issued to arrest me for check fraud. The people calling me is saying they work for Texas. Their names are  XXXX   XXXX  and  XXXX   XXXX  at  XXXX  extension  XXXX . And a  XXXX  that says she works f or e z money loan Corp a t  XXXX .
Consumer complaint received 2020-10-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Hello, sorry to bother you today but hope you're having an excellent day. Anyways Experian and XXXX  has failed me and the law. I've mailed them both disputes in XXXX and XX/XX/2020 on some disputes that they have failed to respond to. I just want the inaccurate accounts removed. Thank you
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I have been working with HSBC to try to save my home.These attempts have been unsuccessful. About two months ago I requested the paperwork for deed in lieu of foreclosure. HSBC has not sent me the forms. I would like to turn the house back over. Can you please help facilitate that these forms are sent to me.
Consumer complaint received 2016-03-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CA)

On or about XXXX XXXX, 2016, our offices submitted a written request for Verification of Debt and Pay-Off Demand to XXXX XXXX XXXX XXXX, who is listed on the Recorded Creditor Judgement as the Plaintiff counsel for Asset Acceptance. On XXXX, 2016, we called the firm for status and left a voicemail ; no response.On XXXX XXXX, 2016, we called The XXXX Law Firm and spoke to XXXX XXXX who stated the account was closed for their efforts and they needed to contact Asset Acceptance for permission to collect or further instructions. On XXXX XXXX, 2016, we called back into The XXXX XXXX Firm for status ; no one was available so our offices left a detailed message for status and call back. Minutes later, XXXX from The XXXX XXXX firm called back with an update that our offices are to contact Asset Acceptance directly at XXXX. That same day, we called into Asset Acceptance and faxed over our third party authorization. On XXXX XXXX, 2016, our offices spoke to Asset Acceptance Rep XXXX who indicated the law firm, The XXXX Law Firm, has the assigned duty to collect and negotiate the debt. She indicated the response to our Verification and demand will have to be managed by the law firm and not their offices.On or about XXXX XXXX, 2016, our offices submitted a SECOND REQUEST for Verification of Debt and Pay-Off Demand. We called back into the The XXXX Law firm and left a detailed message for the Rep XXXX XXXX regarding Asset Acceptance stating their offices must handle. Received a return call from Rep XXXX XXXX and once more he referred this office back to Asset Acceptance. Advised him this office would not continue to be " ping-ponged '' back and forth by their office and Asset Acceptance as both have been put on constructive notice to produce the Verification of Debt and the Pay-Off Demand, it has been more than 30 days and neither parties have responded in writing and neither party has, amongst themselves, resolved the issue of handling the collection and/or negotiation of the debt. Our offices called back into The XXXX Law Firm again this morning ; no response or updates provided.
Consumer complaint received 2019-05-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender, when notified, over paid balance. XX/XX/XXXX lender reassessed escrow and determined I owed more due to a negative balance they created. Worked out payment plan. Renewed insurance. XX/XX/XXXX home insurance company notified me they had not received payment from lender from escrow. Lender claimed billing confusion and said they would also charge me more. Lender claimed there was a negative escrow balance. Insurance claimed that they had just not paid. They finally paid insurance. Lender added hundreds of dollars more to my bill. My mortgage bill has gone from nearly {$1600.00} a month to $ 2400 month to date.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. XXXX/ XXXXXXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped 78 points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.
Consumer complaint received 2021-10-05
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. (SC)

I have been disputing these incorrect items on my credit since XXXX, XXXX I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.
Consumer complaint received 2017-11-21
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. (GA)

I have an account on my personal credit reports ( XXXX and Experian ) with XXXX XXXX/XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( Experian and XXXX ) in order for the collection to be deleted from my credit file and they have failed to do so.
Consumer complaint received 2015-05-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Company keeps calling me at work and at home and NEVER identify themselves or company name. They leave leaving threatening messages for fraudulent debt. The message started with " A complaint had been filed against you '' and that I " and or my attorney need to call ''. '' They then threatened to contact my place of employment. I have not received anything in the mail in regard to this nor do I now owe, nor have I ever owed, any bills or other debts. You call the number back and get no information concerning true identity of company.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (NY)

I received a letter in the mail dated XXXX XXXX, 2015 from XXXX Synchrony Bank asking for me to call an XXXX number to confirm an application for a credit card ... I have never applied for a credit card for XXXX ... The letter is signed Fraud Prevention but it does not appear legitimate and once again I never applied for a credit card.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BTH Management (AR)

The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PLANET HOME LENDING, LLC (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PHL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (AL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ONEMAIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I have a 2nd mortgage with Chase that was for {$25000.00}. The mortgage was opened in XX/XX/XXXX. I have made regular payments of approx. {$250.00}. every month for 15 years. They recently sent a statement saying in XX/XX/XXXX, the mortgage will have matured and I need to pay the balance of {$21000.00}. How can this be possible? I have paid them a little over {$45000.00} already. I am confused to where did all this money go to.
Consumer complaint received 2019-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I sent a payment to pay in full a group loan on XX/XX/XXXX after I got paid. They ( Nelnet ) didn't process it till the next day. The next day ( XX/XX/XXXX ) they charged interest to an already paid off loan group. 

I was on the phone for a total of an 1 hour and 18 minutes. Everyone I spoke to said they couldn't help me and NEVER sent me through to a supervisor. I spoke to 4 different people for each one I asked repeatedly to be sent to a supervisor. They would just put me on hold until someone else that worked with them picked up the phone ( that wasn't a supervisor ). The information that I could get out of all 4 was I made the payment to late in the day on the XX/XX/XXXX. One person said when I send in a payment it needed to paid before XXXX, another said I needed to pay before XXXX. This DOES not help out the working class at all! Most people get paid on the last day of the month and then they go home after work and begin taking care of financial things. There was one common thing all 4 said and that was there was nothing they could do for me. The entire situation is wrong. Someone SHOULD be able to help me with this situation, the workers at Nelnet SHOULD have transferred me to a supervisor, and this entire situation of charging a person interest after they paid off a loan is robbery.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

They fail to send statements like I have always received for years. Because of that a payment was missed. Because of that they charged a late fee and interest. This was for last month. This month they have failed to send a statement again and this time on their website, one document says no minimum payment is due today and another statement says {$41.00} minimum is due. So if I had believed their first statement, no payment would have been sent today and another late fee and interest would have been charged. This is a clear and obvious pattern of fraud! So then I call on the phone and their system will not accept responses so I can not even talk to anyone. I will not make any more payments now until these issued are corrected as this is a breech of contract and fraud.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (GA)

I purchased a Vanilla Visa XXXX for the amount of {$50.00} plus fees. It was supposed to be delivered within 24 hours if not sooner. After a few days the recipient still did not receive it. She looked in junk mail, deleted and her regular email account. I wanted to cancel, but after different phone numbers and numerous phone calls I was not able to resolve it. When I did get an answer the woman did not seem legit. Many clunking noises as she looked up my account. Said it was delivered, but was not. Created a dispute with my credit card, but then the recipient found three in her deletes which was not there before. I am unsure if there is a balance, but will check with friend. Terrible customer service.
Consumer complaint received 2017-11-21
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. (IL)

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES 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 {$950.00} XXXX XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2021-10-05
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. (SC)

I have been disputing these incorrect items on my credit since XXXX, XXXX. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-12
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. (FL)

THE ACCOUNTS AND INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

After Looking at my credit report on XX/XX/2017. I see that XXXX XXXX is still Reporting inaccurate Information to the Credit Bureaus. 

I have asked for proof of Debt more than once from XXXX XXXX XXXX RE : Account : XXXX Creditor : XXXX Under Fair Credit Report Act 15U.S.C & 1681g. With no response. And they continue to report  inaccurate reporting.
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

They tried to get me to settle with XXXX XXXX XXXX XXXX for {$580.00}, I rejected their offer on XXXX-2017, I told them not to send me any more bills from them.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (CO)

so far today XX/XX/2021 i have received 3 calls from XXXX, XXXX, XXXX, and at XXXX. on XX/XX/2021 i received 2 calls from the same number, one at XXXX, and the second at XXXX. On XX/XX/2021 i received 2 calls from the same number above at XXXX and XXXX.