davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

Collection company has reported an identical collection notice 3 times in 5 days. 
Please review the following : XXXX Credit Report and XXXX XXXX XXXX XXXX monitors your credit file and alerts you if new activity like credit inquiries, delinquencies, bankruptcies, and new loans are reported by the credit bureaus to ID Experts. 
Alerts Type Date Collections - ENHANCED RECOVERY CO L XXXX XXXX, XXXX ENHANCED RECOVERY CO L has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO L Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
UNPAID ( UNPAID ) - ENHANCED RECOVERY CORP XXXX XXXX, XXXX ENHANCED RECOVERY CORP has flagged your account as UNPAID ( UNPAID ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CORP Payment Status UNPAID ( UNPAID ) Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
Collections - ENHANCED RECOVERY CO XXXX XXXX XXXX, XXXX ENHANCED RECOVERY CO XXXX has flagged your account as Collections. 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO XXXX Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX. 
I want this company to remove these reports, I do not know what the {$130.00} charge is for and this is ruining my credit.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NY)

Concora Indigo claimed I was late paying for the month of XXXX of XXXX, Ive enclosed a copy of my bank statement from XXXX XXXX XXXXXXXX for the payment in question.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CT)

My orgininal mortgage lender is XXXX XXXX in XX/XX/XXXX. By XX/XX/XXXX, it had been transferred without my permission and notice to XXXX XXXX XXXX. I did not complain about the transfer to XXXX. Before the transfer to XXXX, XXXX XXXX sent me a letter stating the loan had been PAID IN FULL, which is accurate. Then, again, when it was transferred to XXXX transferred the mortgage to Shellpoint. XXXX sent me a financial bank statement stating, the mortgage had been lowered to about {$1200.00}, and a payment was paid ( this is proof by Shellpoint ). The financial bank XXXX statement also stated that the mortgage had been PAID IN FULL, which is accurate again as confirmation from XXXX XXXX. However, I am STILL the OWNER of the mortgage and home. As well, I am STILL the owner of the mortgage. Shellpoint by law must honor the financial institution 's ( XXXX XXXX XXXX statement ) that the mortgage has been PAID IN FULL by sending a letter to XXXX XXXX and transferring the PAID IN FULL mortgage back to them, as the original lender. Or, Shellpoint must honor the letter from XXXX by agreeing with XXXX in the letter and sending it back to XXXX, with it having been PAID IN FULL as XXXX already stated.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I attended XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX from XXXX for college, which had since changed its name to XXXX XXXX XXXX XXXX In the years, the school and it's parent company has been the subject of many lawsuits over fraud. Some of my loans were taken out with XXXX XXXX and later moved to Navient. Both companies were also under scrutiny for fraudulent practices over the years in relation to this and many other schools. These lawsuits led to the XXXX v. XXXX settlement, where my federal loans were forgiven. However, there appeared to be no hope for my private loans with Navient over the fraudulent practices of the school I attended or Navient 's behavior over student loans. 

In XXXX, I refinanced my Navient loans with another loan company. I tried to avoid doing this to hold hope for relief elsewhere, but my interest rate was variable and had reached 10 % interest. I could no longer afford these payments and having paid my loans since XXXX, I was getting increasingly frustrated. After doing the math, I had already paid more than twice what I had borrowed by that time. Speaking with Navient support over the years to find relief, none was offered. I had exhausted my deferments and I didn't want to defer payments anymore anyway. Reducing payments or interest were not offered. I felt that I had no choice to move somewhere else. 

However, I am not seeing Navient offering some borrowers an application to forgive their loan balances in the form of a school misconduct discharge. I am increasingly more frustrated with this situation since I had paid so much to Navient, felt hopeless in my situation, and believed my only option for relief was with another servicer to pay a reduced rate. 

Considering the school I attended engaged in fraudulent activity against thousands of students, including myself, and Navient was also scrutinized in relation to this behavior, I would like to see Navient offer me the opportunity to apply for discharge, then buy my loans back to forgive them as the same opportunity as those that still have their loans with Navient. 

I struggled to find work after graduating from XXXX in XXXX and had re-earn my XXXX XXXX XXXX from an XXXX XXXX  many years later. The fact I moved my loans somewhere else doesn't change the fact I was still victimized and taken advantage of. It should not be held against me to make an attempt to improve my financial situation without knowing relief would be coming. Navient was just at fault of my financial hardship over the years as XXXX was. It's only fair I have the ability to receive the same options for relief.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. ()

On XXXX, XXXX, XXXX XXXX XXXX sent payment for medical XX/XX/XXXXgloves in amount of USDXXXX XXXX to XXXX XXXX XXXX XXXX Citibank , N.A . blocked this transfer pursuant to U.S. sanctions. 

On XX/XX/XXXX, the Office of Foreign Assets Control ( OFAC ) issued license XXXX for the following action : to process the transfer in accordance with the original payment instructions : " Citibank , N.A . blocked this transfer pursuant to U.S. sanctions administered by the Office of Foreign Assets Control ( OFAC ). OFAC has carefully reviewed the information presented and otherwise available to it in connection with this transfer and has determined that Citibank , N.A . is authorized to process the transfer in accordance with the original payment instructions. '' XXXX sent the license to Citibank and repeatedly contacted Citibank regarding this payment. CitiBank ignores XXXX 's requests. 

Our supplier still has not received the funds. We do not understand why the OFAC license order is not being fulfilled and the payment has not yet been executed. 

XXXX XXXX is engaged in supply of medical products. Thanks to its activities, a number of hospitals, including children 's hospitals, have been supplied with medical consumables. The retained amount is significant for us and leads to a shortage of working capital. 

We ask for your cooperation and assistance in making the payment.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Financial Resources, Inc. (NY)

I have been receiving robocalls from " XXXX from FFR '' since XX/XX/XXXX. The calls usually come from XXXX, and have recently also been coming from XXXX. I typically receive multiple calls per week from these numbers, since they first started calling me. If the call goes to voicemail, a recorded message instructs me to call back at XXXX, without explaining the purpose of the call. The recorded message is exactly the same every time. If I answer the call, hold music plays. I searched the phone numbers online, and one of them ( XXXX ) is associated with a debt collection agency called FFR, Inc. Searching the phone number online is the only way I have been able to determine what the calls might be about. The calls have never identified the company as a debt collection agency, informed me that they are trying to collect payment from me, informed me of any creditor to whom I owe debt, informed me of any amount of money I owe, provided verification of my personal information or validation information regarding the debt, or informed me of my rights to dispute the debt. I have not received any written communications from a company called " FFR, '' or any other written communications notifying me of any debts. I have never been told by the caller what " FFR '' stands for, or what type of company it is. Since I have not been connected to a person any time I have answered these calls, and I only hear hold music, and I have not been told why I am being contacted, I have avoided these calls, because they appear to be a scam and/or illegal unwanted calls. My phone number has been on the Do Not Call Registry since XXXX. I need to know whether these calls are legitimate, so that I can resolve any concerns, but I have been cautioned against speaking to unknown spam callers. From information I have read on the CFPB and FTC websites, it appears that if these calls were about a legitimate debt I owe, I would have been informed of the debt through written communication, and failure to do so is a violation of fair debt collection laws.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 USC 1681. XXXX XXXX XXXX : account # XXXX, XXXX : Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand deletion immediately.
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Debt recovery solutions for multiple violations of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Consumer Financial Protection Act ( CFPA ).

Despite repeated requests, Debt recovery solutions has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA. Additionally, I have not been afforded the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, Debt recovery solutions has engaged in false, misleading, and deceptive practices, which violate my consumer rights. Such conduct is in clear violation of the FDCPA and FCRA. 

Moreover, Debt recovery solutions lacks the authority to furnish any account to consumer reporting agencies without providing all necessary disclosures as required by law. This flagrant disregard for legal obligations constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into these egregious violations and take appropriate action against Debt recovery solutions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NV)

Contacted the company in regards to a XXXX debt that is on my credit are gone. Agency is attempting to collect a debt and I would like to settle that amount for {$500.00}. The account number is XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Due to multiple costs after a pipe burst at my home one of the repair companies offered to run an online credit check for an installment plan. I told them my credit accounts were frozen due to previous data breaches and they decided to try, but it was declined. 

Unexpectedly I received a letter dated XX/XX/XXXX stating that Experian indicated my credit score was 0 which is incorrect- my credit score was unavailable ( which is not the same as a credit score of 0 ). 

The letter came from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The signature block of the letter was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The credit check was through Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have had multiple data breaches affect me including needing credit monitoring ( and am currently under free monitoring for the latest one ). It is a great concern to me that there not be a record anywhere stating I have a credit score of XXXX None of the three companies listed above have been willing to take any actions and each just refers me to another of the companies. It is incidentally very difficult to connect with a live person at any of the three since I am not technically a customer of any of them. More like a victim of all of them.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC (WA)

Due to multiple costs after a pipe burst at my home one of the repair companies offered to run an online credit check for an installment plan. I told them my credit accounts were frozen due to previous data breaches and they decided to try, but it was declined. 

Unexpectedly I received a letter dated XX/XX/XXXX stating that XXXX indicated my credit score was XXXX which is incorrect- my credit score was unavailable ( which is not the same as a credit score of XXXX ). 

The letter came from GreenSky XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The signature block of the letter was XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit check was through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have had multiple data breaches affect me including needing credit monitoring ( and am currently under free monitoring for the latest one ). It is a great concern to me that there not be a record anywhere stating I have a credit score of XXXX. 

None of the three companies listed above have been willing to take any actions and each just refers me to another of the companies. It is incidentally very difficult to connect with a live person at any of the three since I am not technically a customer of any of them. More like a victim of all of them.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I noticed several hard inquiries on my credit report and I never authorized them. I was merely speaking to someone about interest in a vehicle and 14 Inquiries are now on my report. I contacted Trans Union to report this XX/XX/XXXX and they said to file a complaint and mail a copy of the complaint along with a letter describing which inquiries need to be removed. They are still applying for vehicles almost 2 months late, 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 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
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
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
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (CA)

I found a gift card issued by www.giftcardmall.com expiring in XX/XX/2024 Out of 16 digit Visa / Debit card number on front of the card, only nine of them are legible. On the back of the card, the 19 digit number & the security code are all legible. 
Called the gift card company @ XXXX and opened a case XXXX, they asked for my phone number, email, home address, copy of my driver license and copies of front and back of the card and the purchase receipt. 
.I don't even remember who gave me the gift card, so I wrote them back letting them know, that I can not find the purchase receipt. 
They emailed me back, to let me know unless I found and give them a copy of the purchase receipt for the card, they will not be able to give me a replacement card. 

Wanted to see & check if there is a remedy to this situation and any way to stop the gift card company 's unscrupulous practice?
Consumer complaint received 2024-05-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (GA)

I established XXXX distinct retirement accounts with SoFi Bank, enticed by the promise of a temporary promotion : a {$100.00} bonus to be allocated to each account, coupled with assurances of reimbursing any incurred fees from my previous financial IRAs, up to {$100.00}. Unfortunately, SoFi Bank failed to honor these commitments. Not only did they neglect to reimburse the fees as promised, but they also mishandled the rollover process with the IRS, resulting in erroneous investments. 

Over the span of XXXX years, I diligently sought resolution to these issues to no avail. While SoFi Bank begrudgingly disbursed partial payments {$50.00} last XXXX and {$25.00} most recentlyI remain owed a substantial amount. This protracted ordeal has cast a shadow over the integrity of their operations, leaving my retirement accounts, cultivated by my hard work for over XXXX decades, in disarray. 

I implore an investigation into SoFi Bank 's practices, as their actions border on fraudulent. Their negligence has not only compromised my financial security but also eroded the trust I once placed in their institution. Regrettably, the lack of remorse or assistance from SoFi Bank further exacerbates the distressing situation.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Auto Dealer Services completed a mediation with me on XX/XX/XXXX in regards to a past auto loan from XXXX. I initiated this mediation back in XX/XX/XXXX because I was not satisfied with the response or treatment I received when I started asking questions and wanting answers on financial reimbursement amount. Most importantly I was also sent a 1099 on the reimbursement! I have asked several times for clarification and it was also mentioned to mediator and completely dismissed and I was told to contact a tax specialist regarding the topic. My vehicle was financed and repossessed twice by WF and they also had a XXXX policy on my account without my knowing. I carried my own policy the entire time. No agreement was met and honestly it is very upsetting to have this re enter my life and rehash the emotional distress Wells Fargo caused me. The most recent letter from XX/XX/XXXX states that I have the right to file a complaint with CFPB. I am now in my XXXX month of this and have seeked legal representation and have not agreed to the proposed amount from mediation. Wells Fargo has not tried to reach me since the XX/XX/XXXX letter