davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (KY)

I received a call today from a company claiming to be XXXX XXXX, XXXX, from telephone number XXXX. The person speaking said their name was " XXXX XXXX. '' They claimed to be trying to collect on a XXXX debt in default since 2012. This debt is one which I settled with XXXX XXXX approximately 6 months ago in an out of court settlement. I informed them the debt had been settled and they requested confirmation of this. The e-mail they gave me was : XXXX ( very suspicious ). 

I can find no record of this company, beyond complaints about it and suspect it is a scam.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I have received a debt settlement notice in my mailbox. I do not owe any kind of debt to any one. All my credit cards are regular and up to date. I do not carry any balance forward. 
The sender is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX
Consumer complaint received 2023-03-16
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXXXX/XX/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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (LA)

After careful review of my personal credit, i noticed two accounts on my credit from XXXX opened in XX/XX/2017, and Navy Federal XX/XX/2017 that i have no knowledge of. I have disputed these two items all to no avail. As a practical matter, i have filed a police report and submitted numerous affadivits In support of my claims. I would appreciate it if you would carefully investigate these fraudulent accounts and have them removed from my credit reports..
Consumer complaint received 2018-09-17
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. (NJ)

The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings (AZ)

The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


I will send a copy of original contract that AD ASTRA REC sent me.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was contacted by XXXX in XX/XX/XXXX asking us to sell our timeshare because they had a buyer. All we had to do was send {$2800.00} for title search. He said it would take approximately 3 weeks. I did n't hear from them [ after they got my credit card # ], so i called them in XX/XX/XXXX, they said the title search was taking longer than expected. On XX/XX/XXXX i called and was told buyers had untill XX/XX/XXXX to sign purchase agreements. On XX/XX/XXXX i called and was told purchasers were going after lower interest rates and that their finances are fine, but requires more paper work. They told me the buyers had until XX/XX/XXXX to close, so call back on XX/XX/XXXX. I called daily from XX/XX/XXXX through XX/XX/XXXX and all i could get was an answering machine or recording saying the message box is full. Once they had my credit card #, they never called me back. They did have an add to sell the timeshare on their website, but all the phone # were disconnected. So if you were interested in buying, you could n't contact anyone to purchase. This company was a scam, the owner XXXX is currently in jail for having done this to more than XXXX people. I called capital one to make them aware and dispute the charges well within the allotted time frame. I sent them documentation of a cease and desist order against premier timeshare solutions by Attorney General XXXX of North Dakota on XX/XX/XXXX due to consumer complaints, a tv expose by XXXX exposing this company as the crooks they are, and a copy of complaint XXXX full of peoples stories of being scammed by these con artists. These documents, along with previous letters from us stating and listing all the disconnected/out of service phone # s for XXXX [ how can they " market '' our property with diconnected phone # s for " interested buyers '' on their bogus website ] were sent and received before the requested deadline of XX/XX/XXXX. Not to mention an F rating by the BBB. I told them not to pay and i would n't pay. Capital one sided with the scammer. They sent a lawyer after me, XXXX, and when i sent them the documentation they backed off and told me they were sending it back to capital one and try to work it out with them and provided a phone # which i could n't get through. I have called capital one numerous times to try and resolve this. Basically i get nowhere, tell my story to someone on the other side of the planet, get put on hold and go round and round. I am currently trying to get a mortgage and this has screwed up my credit report, the gift that keeps on giving. They have charged off every month for the last 6 plus years. This is the only thing that comes against me, all my bills are paid on time. Capital one should not have paid this con artist, i gave them plenty of evidence backing my claim, XXXX is in jail for this crime and capital one refuses to admit their error and not punish me for their mistake, thank you
Consumer complaint received 2023-09-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NC)

I went to XXXX XXXX XXXX XXXXXXXX from XXXX, less than years of education and my debt is {$100000.00}. I went back to college to try and support my son and myself to a better life ; however, I did not know the end result would be so devastating with the accumulation of this amount of debt. This shows up, if I go to borrow money and prevents obtaining the amount I need because of the debt to ratio. I am in a public service position, a police officer, and I am also enrolled in the Public Service Loan Forgiveness ( PSLF ) Payment plan. I believe I have been overcharged in my college education, even though I went back to college late, I do not believe the cost should be this great. I obtained my Associates Degree first, with classes transferring in which I had taken prior to XXXX XXXX XXXX XXXXXXXX, and then I obtained my XXXX XXXX XXXX, both degrees were in XXXX XXXX XXXX. Finding a job in my area with this degree, as great as I thought it was, was difficult. After not being able to get a job, I decided to go to XXXX XXXX XXXX XXXX and I became a XXXX XXXX  and now XXXX XXXX I love what I do and will continue working as a XXXX XXXX, trying to help people and keep the community safe. I would ask you to please review my account with XXXX XXXX XXXX  XXXX and see if there is anything you can do to assist me with this issue. I would like to thank you in advance for your efforts concerning this matter.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BILL.COM, LLC (PA)

My Bill Spend account was opened on XX/XX/2023 According to the terms of the promotion. I was supposed to receive a {$50.00} XXXX gift card when application has been accepted and approved. It's been more than 30 days and I have yet to receive the XXXX gift card. Below are the terms Terms & conditions : Our goal is to show you XXXX so you can see the benefits to your organization firsthand. Were happy to give you the {$50.00} XXXX XXXX XXXX when you sign up for XXXX if you meet the required qualifications. This offer is available only to Qualified Individuals XXXX  years of age or over. This offer is available to US Residents who live within the borders of the continental United States. To receive this offer, applicants must sign up, as specified below, on behalf of a company they are authorized to represent using the designated XXXX landing page. A qualified Individual is a verified business decision-maker or influencer Including ( but not limited to ) owners, founders, administrators, controllers, C-level executives, VPs/Directors/Managers, and other senior roles that can help implement or recommend a solution like XXXX. We are seeking business partners that are established and can benefit from the full line of XXXX features. To receive this offer, you must open up a line of credit with XXXX with a XXXX product representative to sign up you must fill out an application, be accepted by the XXXX team, create your account in the XXXX product, and have an open line of credit. Note that this offer is only available to new XXXX customers applying for a new XXXX account. This offer is not applicable to existing customers. The XXXX XXXX XXXX associated with this promotion will be shipped to Qualified participants within 30 days of signup. Emails will be used to confirm the delivery details, which will be sent directly to the designated email address of the demo recipient ( U.S Only ). No purchase is necessary. This offer is available for a limited time, while supplies last. XXXX reserves the right to discontinue or change the terms of the offer at any time, subject to applicable law. Offer may not be used in conjunction with any other offer or promotion. Credit lines and the advertised range are not guaranteed and will be determined upon application approval.
Consumer complaint received 2020-10-09
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

Hi, my name is XXXX XXXX was stop payments due to cronavirus under forberance plan.today i try to refinance my other loan then thay told me XXXX morgage put those payments on my credit.Please help me. 
Loan XXXX
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NY)

Selene Finance and their foreclosing attorneys XXXX have violated the " dual tracking '' statute under XXXX XXXX regulations. I have been actively negotiating a short sale with loss mitigation at Selene Finance. We are still in the negotiation process and in active open loss mitigation file and while trying to negotiate the short sale they simultaneously are foreclosing on my property. I ask the CFPB to intervene in this matter. For Selene Finance, a debt collector and their debt collector attorneys are violating the dual tracking laws. The sale date is set for XX/XX/2017 According to XXXX XXXX, Selene 's negotiator/underwriter on my loss mitigation file stated that the short sale offer to purchase the property needs to higher. We asked for a copy of the XXXX or information regarding the XXXX and they refused to give any information. We would like to reach a fair price but they need to disclose to the consumer their justification of the higher offer. I ask the CFPB investigate Selene Finance and their attorneys for acting in bad faith. Placing a foreclosing sale date in the middle of a short sale/loss mitigation negotiation.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (MA)

I keep getting bombarded with numerous emails messages in my inbox from the message center and now two pieces of mail I missed XXXX payment and have retained a lawyer attorney XXXX XXXX out of XXXX XXXX  that will be filing my bankruptcy. Therefore I suggest going forward you deal with him as hes been retained and said you can write or call him going forward Thanks Cease all communication with me now Call the attorney at XXXX.
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (WA)

I entered into consumer credit transactions in which I used my credit card as defined under 15 USC 1602 ( L ). Because I was the original creditor ( 15 USC 1602 ( g ) ), that was a private matter between me and said companies in which I extended the credit as the original creditor, but was then made public through my information being shared publicly in a consumer report by Equifax, which is a violation to my rights to privacy as a consumer. Furthermore, Equifax exercised unauthorized use ( pursuant 15 USC 1602 ( p ) ) by reporting my credit information ( publicly ) without my consent, which didnt benefit me, violating my rights as a consumer with the reported information ( see attached exhibits ). As a result, I experienced damages in the form of embarrassment and anxiety.
Consumer complaint received 2020-10-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have noticed that they have placed an inquiry on my XXXX  credit file dated XX/XX/2020 that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. 

Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KS)

I started XXXX XX/XX/1995 with a total loan amount of XXXX. It 's now been 19 years since I started repayment and I still owe XXXX because of first going into forbearance for as long as I could and now IBR or Income Based Repayment. My interest rate has never been allowed to be lowered and every year as my income goes up my payments go up. It is almost {$500.00} a month now and I 'm living paycheck to paycheck. My student loan is with Navient formerly XXXX XXXX. I feel that I 'll never repay this loan and it will end up coming out of my social security. I 'm XXXX now and I know it will never be paid off in my lifetime.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX we had an emergency with our pet ( dog ) and we went for medical treatment to XXXX XXXX XXXX, located in XXXX, CA. Due to the high cost of the treatment for our pet we request a credit to the company CareCredit. The credit card was approved and we were able to get the medical services we needed to saved our pet life.

When we get the approval, nobody give us any information about a " Promotional Offer '' nor something similar, not even the people of XXXX or CareCredit. 

After this emergency, we start doing the payments directly to CareCredit, using their app, because this is not a regular credit card, and we didn't have any other transactions to be aware of, we just proceed every month with the payments. 

On XX/XX/XXXX we noticed the balance in the app was pretty much high the since we started doing payments and the last month balance, so I checked the statement and we noticed that a charge of {$1900.00} for " interest charges on purchases '' was applied to our balance, we were in shock, because they were charging interest fees every month, so we thought that this should be a mistake, and therefore, we proceed to call the company CareCredit to get this issue resolved. 

The customer service representative was very rude, telling me that we know about this " special promotion '', we tried to explained them that nobody, ever, explained XXXX something about this deferred interest, and we weren't aware of this. The customer service representative, again in a very rude tone told me that even if nobody explained me that we had " deferred interest '' promotions in our card, we are responsible and if we want to get this charges removed, we must do a payment of {$1800.00} ( more/less ) before the XX/XX/XXXX. 

This is not just unfair but misleading, this company is charging a huge interest ( the original loan amount was {$3700.00} and the interest is {$1900.00} more than 50 % not including the other interest charges they made before ). They treat customer in a very rude way and push you to pay this abusive interest with no way to resolve this.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

I get no joy from trying to score points. I am simply trying to write a wrong that was done to me and my business. This week XXXX XXXX wrote I did not like the final XXXX decision. The problem is, the XXXX sees the loan as forgiven, but the bank does not. Yesterday the XXXX wrote on my behalf the following to Wells Fargo on my behalf. ___________________________________________ Good afternoon, Please see your borrower 's request below for a Reconsideration Review and respond to him accordingly at XXXX. Review of the file shows the application was submitted to the XXXX as Approved in Full by the lender, but the borrower received less than full forgiveness. At this time the borrower does not have the right to appeal this decision as an XXXX Final Loan Review notice has not yet been issued. If there are other underlaying complications with this file, please respond and explain these to your borrower if you have not done so already. 

Or, if this was simply an error on the borrower 's forgiveness application, as the borrower requested less than full forgiveness in the amount of {$20000.00}, you may submit a payment correction request on the borrower 's behalf through the XXXX Platform at this time. 

Thank you, ___________________________________________ We have reached a stage where the bank has intentionally misrepresented the facts or failed to " inform '' the XXXX of their decision properly ; but either way they collected on a loan without standing. Please respond to this letter by letting this case proceed though the XXXX appeals process or offer a settlement. If you are having a hard time locating files as the bank tries to respond to this case again, please check out XXXX XXXX XXXX XXXX XXXX XXXX. Please note this should not be necessary as the bank has already spent 8+ hours on the site. It should be noted there are new audio files that further support the long 22 page case, but that is not the point to day. Please note all responses should include an explanation of why my XXXX requests in XXXX where simply ignored.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank offered to transfer my total balance to their Credit Card .. I was very specific with the man at the Chase Bank in XXXX California that I was not interested in the credit card if Chase was not willing to transfer the whole amount.. I was told with my XXXX credit rating It would be no problem.. then the bank only transfered {$2000.00} which was not what I agreed to.. 

BATE AND SWITCH.. SIMPLE.. I WANT THEIR CREDIT CARD EXPUNGED FROM MY CREDIT REPORT. THE ACCOUNT WAS CLOSED BEFORE THE CARD WAS ACTIVATED..
Consumer complaint received 2023-08-17
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)

I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these stupid bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT IDENTOTY THEFT IS MORONS, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the Equifax data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: PNC Bank N.A. (TX)

Was involved in identity theft and my checking account with PNC Was compromised and in the time it was comoromised $ XXXX was moved through it and when i noticed this, i immediately call PNC to report this. Upon completion of report i was told theh would reach out if any additional info is needed. They closed my account and put some kind of restriction that prevents me from opening an account with any other financial institute. This is very fraustrating given that i noticed the irregularity reported it and yet i get penalised for it. Ended filling a police report which was approved. Now hoping PNC can remove this so i can open my saving accounts.