davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

My card was stolen XX/XX/XXXX, once i realized it was stolen i immediately called and canceled. i received several emails from capital one stating that if it was not me please contact the. Contacted capital one, they began investigation XXXX XXXX, XXXX. Since the investigation, I 've continuously called to get updated. Since XXXX XXXX, XXXX i have contacted them at least 7 times. I spoke with rep on XXXX XXXX, XXXX that said i would have funds available in 48hrs. still did not have any available the next XXXX reps after were not helpful at all, continued to tell me that there was nothing they could do, i had to wait until investigation was complete. My biggest issue is that i am a customer and you should n't let the customer go a month without funds or trying to help them out in any way. i have a payment due XXXX XXXX, XXXX and they are going to want there money, no excuse. if not paid i will get late charges etc. This has really inconvenienced me in everyway because they denied my credit increase due to the fraudlent activities, i could not purchase XXXX gifts, since the investigation i have n't had any funds or any real sympathy. this was my last option to contact you guys. so if there could be anything done i would greatly appreciate it. ( orignal statement sent to XXXX ) Capital one has refused to settle with me, i asked for a settlement of {$4500.00} dollars after investigation took longer than the time given to me. Also since then i experienced financial hardship which forced my wells fargo account to overdraft and owe a {$1200.00} balance. I had to borrow money from family members which i soon have to pay back in total of {$2000.00}. Capital one has been handling the case in a unprofessional manner, its takes weeks to get response from them, they did not offer anything to me while the investigation was going on with the fraud claim. I did not use card in over 3 months and they still are asking that i pay them along with fees that were associated with all transaction that were made. Every time i called no one could give me answers they always said " XXXX temporary funds will be available on your card in 48hrs ''. Capital one is not the business to use, my card was stolen, used by someone to purchase numerous transactions and nothing was done for me. I feel used by the company and there are several reviews of things happening to other customers. XXXX XXXX of XXXX has been very helpful with assisting me. Since the business has failed me i have been in contact with my local court to file a small claims suit against them for failure to settle. So i am reaching out to you guys to see if you could reach out to them, i was recommended to you by XXXX XXXX XXXX on behalf of XXXX.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$36000.00}
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My rights enacted by the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Privacy Act of 1974 are in violation by the unaffiliated 3rd parties this complaint is addressed to for negative and defamatory items which have been placed on my credit report. I have included attached documents highlighting these items. As per 15 United States Code 6802 ( b ) and ( c ), which are included within the Statutes At Large, I was never provided knowledge nor disclosure of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition, there are late payments being listed which were never verified and violated my rights per 15 United States Code 1666b. Both the credit furnisher and credit reporting agencies ( XXXX, Transunion and XXXX ) are in violation of these Acts. The credit reporting agencies are unable to provide adequate verifiable proof which has also been attached within the document ( s ) uploaded, providing the exact types of acceptable proof to be considered verified. Lack of this acceptable proof based on their claim means there is a lack of Corporate Compliance and is essentially a crime. If the proper steps to my Letters of Instruction are not rectified within 30 days and updated immediately with proof of the update, then I will exercise my rights to take legal actions whether by filing a claim through Arbitration, Smalls Claims and by filing a claim against their bonds and insurances. I will also put my local Consumer Affairs agency and my states Attorney General on notice. Lastly, since all parties are currently the acting Fiduciary agents over my entrusted interests and information, I will take this matter to Federal court to seek the highest claim of the Federal Reserve Act Section 29. I hope to get this matter resolved immediately and amicably.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have a unpaid charge card debt. XXXX is now trying to collect on the default judgment against me from Capital one charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Consumer complaint received 2015-05-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: WELLS FARGO & COMPANY (AL)

I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this.
Consumer complaint received 2015-09-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit Management , Inc., calls me every day to attempt to collect a debt that they have failed to provide written validation of, in violation of the Fair Debt Collection Practices Act. They are unable to provide written validation because I do not have any accounts in delinquent or collections status - I do n't know what debt they are trying to collect but it is not mine. They call at least once per day, sometimes more, but when I answer the calls there is no one there and the call disconnects - this constitutes harassment. They also call at the same time every day ( between XXXX and XXXX, Pacific Time ) ; I am at work during this time and I am not supposed to receive phone calls, but since I can never actually talk to anyone I have been unable to notify them that they can not call me during this time.
Consumer complaint received 2015-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (CA)

LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their credit reports. 

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 2016-03-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Real Time Group, Inc. (CA)

My name is XXXX XXXX XXXX and I am disputing the accuracy of the information o my XXXX Credit Report. On XXXX/XXXX/XXXX, received a copy of my XXXX Credit Report. The dispute is with REAL TIME RESULTIONS # XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX ). I do n't recall opening an account with the aforementioned retailer. My Bankruptcy discharged XXXX/XXXX/XXXX. 

Placed for collections : XXXX/XXXX/XXXX Balance {$1900.00} Original Creditor : XXXX ( Retail ) Should you have any questions regarding this matter feel free to contact me at the contact information below. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-05-26
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The second number is XXXX XXXX XXXX sent letter to all creditors I am XXXX ca n't work its beign 2 years, also advised by phone early part of XXXX to cease and desist all calls to all numbers and relatives by mail only I have no income! Portfolio recovery broke the law FDCPA. They some how got my pre paid cell and my daughters home. Numbers under my name they continue to call herass. I have all phone records! I will seek legal action against company for breaking law. And the collectors not following my. Wishes mI am very ill unable to work living off XXXX and my boyfriendHelp. I wrote letters to the original creditors verbally told. Portfolio recovery cease and desist they continue today I got another call a lout XXXX pacific time and phone records can be providedI have no choice but to file legal action breaking the law
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Immediate Credit Recovery (TX)

My student loan defaulted and was passed around to collection agencies. Immediate Credit Recovery never contacted me regarding this debt. They went through the Dept of Education to garnish my pay, in which they were successful. I appealed and have not heard back for over a year now and have requested an itemized bill numerous times only to be directed to the Dept of Education who tells me they do not own the debt and I need to contact my collection agency. So basically calling back and forth in circles getting the same response. I am attempting to get the status of my appeal and an itemized bill. Any assistance would be greatly appreciated.
Consumer complaint received 2015-09-13
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

I want Financial Asset Management Systems to stop calling me, to stop sending me letters, and to stop trying to communicate in any communication form with me. If I need to speak with Financial Asset Management Systems I will call them. If I need to make a payment I will call them to make a payment. Otherwise I do n't want Financial Asset Management Systems to contact me. XXXX has hired Financial Asset Management Systems to collect on a private student loan however Financial Asset Management Systems has repeatedly and flagrantly violated the Fair Debt Collections Practices Act with their illegal and deceptive practices. In addition, my student loan debt has more than tripled as a result of XXXX using debt collectors who flagrantly violated the Fair Debt Collections Practices Act. XXXX adds excessive interest and collection fees whenever they change debt collectors on a loan. As a result of XXXX illegal practices of adding illegally excessive fees and collection costs my loan has XXXX in balance from a start of {$24000.00} because XXXX has intentionally and flagrantly added illegal fees and collection costs to my account which has ballooned the balance to an unconscionable level.
Consumer complaint received 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not borrow money from them and do not know who they are or how they got themselves on my credit report. I talked to a lawyer about this problem and the lawyer said that I do not owe them any money and what they are doing is illegal because they do n't have any proof of me owing them anything, when they called me I contested the bill and asked for an itemized bill and they could not produce XXXX.
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: WELLS FARGO & COMPANY (TN)

I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from Wells Fargo. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that Wells Fargo and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

I was released from State tax debt and Federal tax debt by filling out an innocent spouse forms. The credit bureaus have stated that they are either paid or released, which I did n't pay them I was released from those debts. And they are still on my credit reports. I feel that they should be completely removed from my credit reports since it was never my debt, it was my ex husbands debt from his business which was not in my name. And XXXX credit bureau does n't have that these tax liens were released from my name.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MORGAN STANLEY & CO. LLC (NJ)

In XX/XX/XXXX I paid a Morgan Stanley mortgage. For some reason they did not update my CBR on time. They submitted a letter to me in XX/XX/XXXX stating they made a mistake and it was corrected. However I am applying for a mortgage and a deragatory has appeared on my CBR and XXXX XXXX is deeming it an issue.Morgan Stanley claims they are trying but the mortgage department is no longer in tact and they do not know who can update my CBR. They have acknowledged the letter and their responsibility yet the issue is not resolved.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with XXXX XXXX. I have informed portfolio recovery but they do n't return calls
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was seeking XXXX of my free credit reports and so I went to the FTC website at XXXX I followed the recommended link to XXXX I filled everything out and selected TransUnion. I filled more forms out for them, eventually it came time to access my credit report and they required me to fill out a card number form. I thought this was part of the process of getting my free credit report. Nowhere did it say they were going to charge me {$1.00} or sign me up for any services, there was no agreement or information regarding this. I gave them my card number to access my credit score and received an email about a charge that they had made for {$1.00}, which I did not authorize. I contacted my bank and they said that I would be charged again as part of a service if I did not cancel. This was news to me. I immediately canceled. I called TransUnion to get a refund, but they asked me for my social security number and my credit card number. I can not trust this company and do not want to interact with them regarding personal information. I simply want them to refund my money, I provided them an order number which should be enough. I am disappointed that a .gov website sent me to a finance company that is capable of such a fraudulent scam.
Consumer complaint received 2016-02-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (AL)

Some dept collector company LVNV Funding with the name of XXXX XXXX XXXX XXXX. keeps calling and threatening to bring my credit score down. They claim I owe money to some credit card company. I was told my credit score would be brought down to XXXX. I was told could I could only receive the company I owed was if I gave them my social security number.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (AZ)

Debt was discharged in CH-XXXX Bankruptcy XX/XX/XXXX2015. Creditor sent debt to AFNI, INC. collection on XX/XX/XXXX2015, AFNI reported deragatory information to CRA 's in XXXX 2015. Creditor and Collection agency are in Violation of US Bankruptcy code. Collection agency will not REMOVE from CRA 's. As per law a crditor or collection agency can not report or try to collect a debt after the Bankruptcy has been filed and or discharged.
Consumer complaint received 2015-05-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Forced to take predatory loan right after XXXX XXXX for small XXXX foot camper for emergency shelter. Attempts to get loan modification ignored. Gave it back to them as a voluntary repo. BOA doubled down and demanding even more money than was owed before and wanting it all at once, immediately, or else. Attempts to contact the loan officer who is never there. Calls from boa never reference any letters I have written, they just try to pump me for information, obviously reading from a script and will not deviate.