davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I received, in the mail, an application from American Express for their credit card. On XX/XX/XXXX, I received an email stating AMEX was unable to approve my request due to my credit freeze on my credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and provided AMEX with my PIN and the agent informed me that she was successful in " unfreezing '' my credit file. The agent informed me that everything looks good and that I would receive a call back within XXXX hours regarding approval or status of my application. No phone call was ever received. On XX/XX/XXXX, I received duplicate letters from AMEX stating they could not access my frozen credit file. On XX/XX/XXXX, at XXXX PST, I called AMEX and was informed by AMEX that they in fact have my PIN, was able to access my credit file and apologized for the confusion on AMEX 's behalf. I was assured that I would receive a decision in 5 working days or on or before XX/XX/XXXX. To date, ( XX/XX/XXXX ), I have not received anything from AMEX regarding their decision. I would call AMEX a XXXX time and provide my PIN but I am reluctant because I sense evasiveness and a lack of transparency from AMEX. I had no choice but to contact CFPB and attempt to resolve this matter.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX I opened a Comenity Bank Burkes card. My house burned down, XXXX XXXX XXXX, XXXX, KY XXXX. I lost everything except my life. Once I got going again, the Burkes card had gone into a charge-off. I tried to fix this issue. I made {$100.00} payment XX/XX/XXXX to begin paying it off. It was sold to XXXX XXXX XX/XX/XXXX and the {$100.00} payment was not applied to the balance. Comenity Bank sold an inaccurate balance amount and I believe this is a FCRA & FCBA violation, reporting and verifying inaccurate information. 

I mailed a validation letter to Comenity Bank, no reply. I believe this is also a violation!
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

Have tried to get a loan modification from ocwen but they keep saying I did n't send everything in XXXX time so I kept going through the motions. In the meantime, a tree fell on my house blowing fuse box and wire along with a tree through my living room roof and ceiling. It 's been XXXX days without power. I and my animals are dehydrated and I spent XXXX to stay somewhere else and pay part of tree removal. Because they got a FORCED policy on the house, they refuse to give me the money to fix my house and get power back on. I would love to keep my house but I have seen too many complaints about ocwen to know that they will not help. Also, I ca n't speak to an american. I do n't understand any of them. I now have no money to stay elsewhere until they make a decision and do n't have anymore money to fix the power and roof myself. I need help. XXXX XXXX
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$29.00}
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Atlanticus Services Corporation (MO)

2 weeks ago I was convinced to sign a contract for a XXXX XXXX at XXXX XXXX The consultant told me about the procedure and the price for the service. She told me that the cost of the treatment will be {$3300.00} and I was like no I can't afford that and the She told me that a lending company can finance my treatment. She also told me that after I get approved of this loan, they will charge me 3 months after i get the first treatment so I was like that a good deal and so I ended up signing the contract. The next day I decided not to go through with the treatment so I went to the XXXX XXXX XXXX and canceled my booking. On the same day I also message fortiva to close my account since I'm not charged of anything. Fortiva replied and they said that my account was closed. Few days later I got a notification from my bank that my credit score dropped. So I was like I've been paying my bills on time the might have caused this. So I immediately thought of my closed account at fortiva. Just to make sure that the account was really closed I tried signing in and it worked and I saw a big fat charge of {$3300.00}! I'm shocked. So I called ideal image and told about them about the situation and they told me that they have a NO REFUND POLICY. Since I signed the contract I acknowledged this policy. So I was like okay thats fine maybe if I got a partial treatment but since I didn't get any why am I being charged and he was like well the only thing you can do is to prove that you are medically unable to do the treatment like for example you are XXXX or you have a medical condition that will not allow you. He was also like its gon na hard to get a refund and it will take a lot of time, like weeks to months. If you don't want to do the XXXX treatment then you can just call XXXX XXXX to exchange it to another service. And I was like no I don't want to get scammed again. Thats why I'm reaching out to you hoping that you can help.me resolve this issue.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX. 
Account # 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 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

I opened an account with Wellsfargo and several days later they closed my account for no reason. I had initially funded it with {$50.00} and wellsfargo pulled the money from my bank account but never returned it. Called then multiple times and they said the check was in the mail or they never received it. Got runarounds from different department. Never would bank with them again
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$26000.00}
Consumer complaint received 2015-09-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings (TX)

There is a loan on my credit report for Speedy Cash and a duplicate for XXXX XXXX for the same debt. 

I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. 

I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. 

I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. 

My identity was compromised during an employment layoff in 2009 by the State of Texas XXXX XXXX and this is the only way they could have gotten my information. 

I have contacted the credit bureau more than XXXX times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years..
Consumer complaint received 2015-05-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: E*TRADE BANK (IL)

On XXXX/XXXX/15 my atm card was lost/stolen in downtown XXXX. Later that night {$1000.00} was taken from my account in several large ATM withdrawals, which were not authorized by me. The next morning I was informed by card security that there might be fraud on my account and proceeded to cancel my card. I filed a claim with E*Trade in writing and after 6-8 weeks they denied my claim in a letter saying the transactions were authorized and therefore will be upheld. When I asked in writing what was their evidence for the transactions being authorized were, they replied with " any documents used to investigate your claim are proprietary ; and therefore can not be provided ''. I would like to see their evidence and if possible ultimately get my {$1000.00} back.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2020-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

XX/XX/2020 I used Western Union to send money to my fiance in XXXX. They would not release the funds until I answered all of their fraud questions. THEN they said sorry- we can not transfer funds to him and I will be refunded. The funds were deducted from my bank but never refunded. 
On XX/XX/2020, I spoke to the compliance department and was assured than my money would be refunded. 
On XX/XX/2020 I again spoke to the compliance department- they are unable to see any previous conversation AND states the money was picked up in COLORADO on XX/XX/2020. They transferred me to someone else who said the money was picked up in XXXX!!! I never received the usual email notifying me that ANY money was picked up ANYWHERE! 
Each of these representatives ended the conversation by putting me on hold for at least 30 minutes and never returning to the call.
Consumer complaint received 2016-06-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc. (AZ)

Trying to refinance our home through American Financial Network INC, XXXX # XXXX. We were told we qualified for a VA Loan, my husband is retired. We were told we had to have an VA Appraisal, which we did for {$400.00}. Then we were told that we could not get a VA Loan and that we had to get a conventional appraisal, which we did for {$600.00}. We were told that we would get that money back once we refinanced. Then we were told that we did n't qualify for a conventional loan and they could n't help us. I asked for my appraisals which took me two weeks to get and now I found out that no other bank will take the appraisals, so we are out {$1000.00} for appraisals. I want American Financial Network INC, to pay me back my {$1000.00} because they should have NEVER asked us to get appraisals until they were certain we had qualified. Please help me get back my {$1000.00}. My account/file number with American Financial Network, INC is XXXX, Loan Number : XXXX
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OH)

I keep receiving telephone calls from Enhanced Recovery Debt Collections although I 've told them in the past no one lives here by the name of XXXX. They are calling from multiple numbers and this is harassment!!! I 've received calls from XXXX and XXXX multiple times a day, everyday!!!
Consumer complaint received 2021-02-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

PENNYMAC LOAN SERVICES , LLC SENT US VIA U.S MAIL A BILL/STATEMENT TRYING TO COLLECT AN ALLEDGE DEBT WITH A POSITIVE BALANCE ON IT. 

THE BILL/STATEMENT HAS SEVERALS VIOLATIONS. SOME OF THOSE VIOLATIONS ARE SHOWN ON THE EXHIBITS A, B AND C. THE VIOLATIONS FOUND WERE 15 USC 1692b. ( 5 ) ( PRESENTED TWICE ), 15 USC 1692b. ( 2 ), AND 15 USC 1692f. ( 8 ). ALL EXHIBITS I ATTACHED THEM HERE. 

AS A NATURAL PERSON I KNOW THAT I JUST ONLY MADE A CREDIT TRANSACTION WITH THIS COMPANY AND I KNOW THAT IAM THE ORIGINAL CREDITOR
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 
The inaccurate information is a US DEPT of EDUCATION LOAN with a balance of XXXX, which was allegedly opened in XXXX XXXX and another US EDUCATION LOAN FOR XXXX which was allegedly opened in XXXX XXXX these items are inaccurate. According to CRA 15USC ss1681 ( G ), ( N ), ( O ), ( E ). This in accurate information being on my credit report is against the law, and they are liable for civil against them for violating my rights and creating hardships in my day to day life and trying to excel. I demand that these items be removed immediately.
Consumer complaint received 2020-11-02
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. (TX)

Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.
Consumer complaint received 2016-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

I am receiving frequent phone calls from a number that is registered to a debt collection agency. When I answer, there is no one on the other end - there is just silence and the call ends. When I do n't answer, no voicemail is left. I do not owe any debts - my credit history is spotless. I do n't know how to get these phone calls to stop - I 'm getting them on the weekends as well. I tried calling back and received an automated message to " please wait while we connect you. '' I hung up after 5 minutes on hold.
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: AMERICAN EXPRESS COMPANY (IN)

Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.
Consumer complaint received 2015-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all three credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$26000.00}
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 2017-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a checking account with  Chase over three ye ars ago. My account had money taken out for taxes which zeroed it out on    XXXX   XXXX   XXXX  . I told Chase to close the account and I was told I had to wait to close it. I had automatic payments set up and they subsequently were presented before Chase would let me close the account. Chase has now charged additional fees for the automatic transactions and continues to charge my account fees and will not let me close it. Chase wants me to put more money into the account to cover the fees but still wo n't let me close the account if I do.