davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CU Recovery, Inc. (NY)

I am filing this complaint against CU Recovery Inc. because of their lack of reply to my debt validation letter. Dating from XX/XX/XXXX to recently I have been trying to negotiate a settlement to payoff my debt with CU Recovery, originally from XXXX XXXX XXXX. After several attempts to do so, I began to worry that they were scamming me or that they were stalling progress in order to add fees to increase the original debt. On or about the week of XX/XX/XXXX, I contacted XXXX XXXX XXXX ( the original creditor ) to ask them to validate my debt, they refused to talk to me in XXXX attempts, instructing me to make all contacts with CU Recovery Inc. I was then in contact with the collection agency ( CU Recovery Inc. ) and sent the attached debt validation letter on XX/XX/XXXX via US Postal Service Certified Mail ( ATTACHED ). The collection agency received the letter on XX/XX/XXXX but has not responded to my request for original documents and have since stopped contacting me. 

I am concerned that CU Recovery Inc. is not a legal entity or that it is trying to stall the process to settled in order to hike fees and other interests, specially since they have not responded to my debt validation request claims and the amount they say I owe does not reflect the amount reported in my credit report by XXXX XXXX XXXX this month. 

According to the Fair Debt collection Practices Act ( FDCPA ( section 1692g ) and XXXX Administrative Code ( section XXXX ) the agency should verify my debt and send me the following, in writing, within XXXX days of receiving my letter ( it has been over XXXX days now ) : proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest and other charges and for all other charges, the date of and basis for each charge. Please help me obtain this information that is due to me by law from the collection agency.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (VA)

Hello, I opened my account with M & T Bank on XXXX XXXX. I have a mortgage with this company as well. I went to a trip to XXXX XXXX recently and use the app " XXXX '' I did not know that I had linked my M & T Bank to the app, and I used the service. I thought I was paying from my XXXX XXXX account. They online banking website had been down for a while so I could not check my balance for M & T bank. When I checked on XX/XX/XXXX, my account had a overdraft balance of {$370.00}. I am being charge XXXX ( so far no sure if they will assets more fees ) overdraft fees at {$38.00} each for transactions as small as {$3.00} the largest {$8.00}. As of today ( XX/XX/XXXX ), I have not received a notice of overdraft. When I opened the account online, I was not ask if I wanted to " opt-in '' to overdraft services. I called M & T Bank to ask for an explanation and for refund of the over {$300.00} dollars in fees I am being charged on fees alone in the meter of 3 days for transactions the added up to {$60.00} dollars. The customer service rep said that there is nothing they can do and that I have to pay the fees. This is a violation of the " H.R. 1261 Overdraft Protection Act of 2013 '' approved by the 113th congress. Specially, SEC 4 " 140B.secition ( i ) OVERDRAFT COVERAGE LIMITS - I should not be charged more than one overdraft fee a month and no more than 6. Also, " the amount of any overdraft coverage fee that a depository institution may assess for paying a transaction shall be reasonable and proportional to the amount of the overdraft '' M & T bank is essentially trying to steal my money by charging me all of this unfair fees and in violation of the " Overdraft Protection Act of 2013 '' Please any help you can provide will be appreciated. I am not willing to pay the abusing and excessive fees that M & T bank is trying to make me pay. 
Thank you and please let me know if you have any questions
Consumer complaint received 2021-10-29
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. (FL)

MY IDENTITY WAS STOLEN THREW TAX THIEF & EQUIFAX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have previously disputed this item with XXXX and Equifax and I verified the item as accurate I have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to me or any credit bureaus for that Matter, Therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611I ( 15 U.S.C. 1681 ) and the information must be deleted immediately.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX requesting to receive a termination letter/ release letter of all levys removed immediately. 
Especially the XXXX from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This Abstract issued date XXXX XXXX. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX Firm. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License Permit Bonds which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX Civil Process would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that 10 hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA. 

I supposedly have this against me because I owe XXXX XXXX XXXX  & thats not true I have paper work from XXXX XXXX Bank saying I DONT owe them any money.
Consumer complaint received 2017-03-20
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a XXXX tax from from Bank of America XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Bank of America employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive it.
Consumer complaint received 2016-08-04
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Capital (UT)

It is a debt collector ( Direct Capital XXXX ) who claims that I owe for a payday loan. I asked for all their contact information and the man I spoke to hesitated to give me all the information. I asked for a verification letter and he said they could n't mail XXXX out and the best they can do is email it. I pushed for a hard copy to be mailed to me and he reluctantly agreed. It 's been 2 weeks and I have n't gotten a hard copy mailed to me. I finally got an email today but it does n't look legit. I looked up the address he gave me and it is a business called XXXX XXXX. It 's not Direct Capital XXXX like they claim it is. They called my sister looking for me and she got an automatic message that said they were looking for me and there was a complaint filed with my SSN and I need to contact them. They left that same message for me and when I contacted them, they said they were about to send my information to a legal party and sue me for triple the amount if I do n't pay. He also stated that they had mailed out letters. He told me which address they mailed them to and I had n't been at that address for 6 years or so. He said they tried to find my current address but were unable to. I told him I do n't know why that is since I had changed my address with the post office to my current XXXX about 3 years ago. I would like to send them a cease contact letter but I do n't know if it would do any good since the address they have listed and the address he gave me seems to be for another company entirely. I have been called from various numbers by them. XXXX number was local and the other numbers have been out of state - Florida I believe. They never leave any messages.I am trying to take care of my legitimate debts but this XXXX I really believe is a scam.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

TRANSWORLD SYSTEMS INC IS REPORTING AN UNVERIFIED FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM A XXXX UTILITY COMPANY THAT WAS OPENED IN XXXX. I HAVE BEEN A RESIDENT OF THE STATE OF XXXX SINCE XXXX. I DO NOT OWN ANY PROPERTY IN XXXX AND I HAVE NOT OPENED ANY UTILITY ACCOUNTS IN XXXX. IF THIS ACCOUNT IS NOT DELETED FROM ANY CONSUMER REPORTING AGENCIES IT WAS REPORTED TO WITHIN XXXX DAYS AS REQUIRED BY THE FCRA, I WILL BE FILING FOR DAMAGES PURSUANT TO 15 U.S. Code 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) ( b ) ( 1 ) ( 2 ) ( d ).
Consumer complaint received 2022-09-12
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. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Name XXXXXXXX XXXX, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # XXXX XXXX XXXX XXXX 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 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I called FedLoanServicing to request refunds for payments I made during the federal payment pause. I am eligible to receive refunds due to federal law. 

The loan agent I spoke with denied my request 4-5 times over the span of more than 2 hours. I informed her that I am in fact eligible and she denied that I was. She had me wait on hold multiple times, for several minutes at a time. The last hold she had me wait on was over 40 minutes and continued into their closing time. I hung up and called back and could not reach an agent because they were closed. I believe she intentionally left me on hold for this long into closing time so she would no longer have to speak with me. 

I called again on XX/XX/22. The first agent I spoke with denied my request and transferred me to his supervisor. I waited on hold for over 20 minutes and decided to hang up and call back. 

This time, the agent I spoke with was very kind and processed my request. She told me I can expect a refund as early as XX/XX/22 and that my closed accounts would be reinstated according to amount refunded. I thanked her. 

I called on XX/XX/22 to request an update on the status of my refund. The first agent I spoke with stated she could provide no update or any additional details other than a request has been received and it may take 30-45 days to receive a refund. I requested to speak to a supervisor.

When the supervisor answered she asked if I wanted to request a refund. I stated that my refund request has already been submitted and that I am requesting a status update on my refund request because I was told I can expect the refund as early as XX/XX/22. The agent stated she can provide no additional details other than the refund may take up 180 days. 

I am complaining because 1 ) some agents are flat out denying requests 2 ) some agents are reluctant to process requests 3 ) agents are giving inconsistent information and cant provide pertinent details.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

XX/XX/2021 {$10000.00} I paid the company in ONE payment. I paid off the total balance of my student loans to MyFedLoan Servicing Company. This payment was made during COVID. They refuse to refund me my payment and state that my loans have been transferred to another service but will not tell me who that servicer is. I desperately need these funds back from MyFedLoan Servicing.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I was approved for the Homeowner Assistance fund of Florida to make my mortgage payments for XXXX XXXX I have had problems with the mortgage company applying the mortgage payments to my account. At one point, a representative by the Name of XXXX XXXX assisted me in rectifying the mortgage account, but now the same issues are happing to my account again with payments not being applied ( XXXX and XXXX XXXX XXXX  ) and I am getting letters from the mortgage company about late payment.. I have called XXXX XXXX several times time over the past two weeks without any response for assistance with rectifying this mortgage payment matter with any return phone call. XXXX 's payment has not posted as of yet and the last time this happened, I had to make the mortgage payment on the last day of the month in XXXX XXXX XXXX with money I did not have and it took over 30 days to resolve for Loancare to locate the payment by HAF, refund me and apply the payment properly. This can not happen again. Thank you
Consumer complaint received 2017-01-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: AmeriCash Holding LLC (MO)

AMERICASH LOANS SAYS THEY HAVE STOPPED CALLING MY WORK PER CASE # XXXX. THIS IS A LIE BECAUSE THEY CALLED MY WORK AGAIN TODAY, CAUSING ME EMBARRASSMENT FOR THE 5TH TIME.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (PA)

Hello. I went on credit karma on XX/XX/22 and was told that if I applied for more credit it would be helpful to increase my credit score. Credit Karma is a free website to view your credit score and suggestion site to increase your score and monitor it. I looked at the the cards they suggested and the credit card, XXXX, was a card that had OUTSTANDING APPROVAL ODDS for me to apply for. Well, I was denied. Which had my credit score instantly drop XXXX points and XXXX points to each reporting agency that they give you information for. I am in the process of trying to sell my house and apply for a mortgage to build a home. But now with this hard inquiry on my credit report, which again I had OUTSTANDING APPROVAL ODDS for, I can not due any of this. My score dropped to XXXX and XXXX. I don't know what to do now. Yes, I applied but I would have not applied if I did not have such high approval odds. Can you help me? You can reach me at XXXX or email XXXX. This is a terrible situation to put to a consumer who is trying to rebuild their credit. Thank you XXXX XXXX
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I recently applied to a Chase XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I will be staying in XXXX 's more often and I believe is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NC)

The company allowed three fraudulent charges to remain in the card. The hotel charges was fraudulent charges after leave the property. The manager checked me out with no balance remaining. Because of my personal situation the charge is part of a for hire scam ..people paid to get paid to charge account. The charges was never agreed to or signed for. The other charges was for XXXX XXXX that was for another residence. My rent was paid of to XXXX. Even though I left in XXXX. 

Then after that the bank reduced my credit limit even though no payment was missed and my income increased.
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I use XXXX XXXX which handles my employer match contributions to my student loans. Prior to XX/XX/22, I already paid off my EdFinancial Services account in full. On XX/XX/22, XXXX sent a check of {$730.00} EdFinancial as a mistake even though their website says " payment made to XXXX account ending in XXXX ''. On XX/XX/22, I contacted XXXX, and according to the customer service representative, the check could not be cancelled because it was marked " processed '' by EdFinancial. Therefore, I'm not able to use the {$730.00} to pay to the correct loan servicer, XXXX. Immediately after, I contacted EdFinancial customer service, but they said that the check was not posted to my account or balance ( see the screenshot of my EdFinancial account balance -- there's no mention of the {$730.00} check ). They said they will start an investigation, but there is no way for me to keep track of the investigation other than to call back. The EdFinancial customer service agent also implied that there is an extremely long wait time, and no expected turnaround time in mind. It is highly suspicious that EdFinancial received a check nearly 2 months ago, and they haven't sent it back or posted a negative balance to my XXXX account.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Consumer complaint received 2016-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (OH)

My uncle passed away in 2009, he was my co-signer of my private loans with XXXX XXXX. At that time when I submitted all the information they informed me that my loans were in default due to the death. Now 7 years later, Navient, is now trying to collect off me once again but my Uncles name is still on their loans and he should n't be. They have harassed me with phone calls at work, previous jobs, family, email, calls to my cell phone and through mail. They are very threatening each way they contact. Plus my original loan that was in default had a way lower interest rate from what they now show. These are crooks and something needs to be done
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I have a student loan that I believe was miss handles and had a lot of late fees and interest on those late fees also to include that I had to pay the late fees before they would put any money towards the payment or balance of the student loan
Consumer complaint received 2022-09-12
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: CL Holdings LLC (DE)

IN accordance with the fair credit reporting act jefferson capital system acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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.