davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.
Consumer complaint received 2016-06-17
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I was under the impression that XXXX was the " official '' site to get all three credit reports for free. I was allowed to get my Experian credit report. But when I tried to get the other XXXX, I was told they were unable to process my request and instructed to send in a lot of paperwork and personal information via mail. Last year I was only able to access XXXX, not including XXXX. I 'm not sure what 's going on, but after an online search, I am finding that many other people are experiencing the exact same problem. I am trying to find work, and I think my credit is keeping that from happening, which, by the way, should n't be allowed ; it 's very discriminatory. I feel that I am not allowed to access vital credit information that is vital to my well being and self-sufficiency. Each year, it seems like we lose more and more control over our finances as banks use our credit information against us regarding housing, employment and other areas. Is there anything you can do to help? Thank you.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (LA)

XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.
Consumer complaint received 2016-11-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ability Recovery Services, LLC (IL)

On XXXX/XXXX/16 at around XXXX i had a horrible customer service experience with employee, " XXXX XXXX '' at Ability Recovery Services. I have never been treated with such disrespect from a customer service representative, let alone another human being in my life. Upon inquiring about negotiating a loan payment, XXXX XXXX became irate, disrespectful, and extremely unprofessional. During our conversation he threatened that he was going to, " play with my credit '' and alluded to putting my account into bad standing. After asking XXXX XXXX to be transferred to a manager or a new representative at the very least, he aggressively replied, " this isn '' t XXXX XXXX, you ca n't always get what you want. '' As you can imagine the whole conversation has left me in disbelief at this point. I replied, " Excuse me '' And in an extremely XXXX disrespectful tone he replied, " you 're excused '' followed by him yelling that my account would be placed into bad standing and that i could n't always get what I wanted. After XXXX XXXX abruptly hung up on me i tried calling back several times in hopes of speaking with a new rep. only to be aggressively and unprofessionally met by XXXX XXXX. After asking to speak with a manager he yelled, " XXXX, you ca n't always get what you want!! There is no other manager, I am the manager of your account!! '' I am in absolute shock at how horribly I was treated and I am extremely disappointed in Ability Recovery Services. My experience has left me feeling XXXX, XXXX, and unsafe due to XXXX XXXX ' threats. I do not feel that XXXX XXXX is fit to have access to such sensitive and personal information. XXXX XXXX prejudice behavior towards me makes me fearful ; not only that he has all of my my personal information, but also that he has expressed intent to use it in a malicious manner. I am 100 % dissatisfied with my overall experience with Ability Recovery Services. As a result of the discriminatory behavior i have endured on behalf of, XXXX XXXX, I believe that I am owed compensation from Ability Recovery Services. How unfortunate that because of my gender, my ethnicity, and my " social class '' I had to endure discrimination when simply trying to pay my debt and better my life.
Consumer complaint received 2017-01-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I was out of work from XXXX XXXX, 2016 until XXXX XXXX, 2016 due to a XXXX that required at least XXXX weeks of recuperation without use of my XXXX. My worker 's comp claim was denied. I was attempting to go back on light duty, which my employer denied. I attempted to file a claim for unemployment, because although I had initially been informed I could work light duty, my company would not let me return to work with restrictions. On XXXX XXXX, 2016, I called USAA to inform them that I was out of work, and could not make my auto loan and personal loan payments, and initiated the USAA debt protection coverage. After a week or so, I called USAA. The employee I spoke with told me that my debt protection was in place, and that I did n't need to worry about my payments. Within the next month, I Iearned that that was not in fact the case. I was called by USAA multiple times, and I called USAA multiple times to inform them that I was unable to make my payments and was waiting for the debt protection to make said payments. I ended up having to fill out the debt protection paperwork twice, because they said that I was not out for over 30 days ( this was on XXXX XXXX, 2016, at which point I had in fact been out for more than 30 days ). Because of these delays, USAA has not only assessed both of my accounts with late fees, but they 've also reported my accounts to the credit bureaus. None of this would have happened if the debt protection process was not so cumbersome ( the forms had to be either mailed or faxed ; there are no options to do so electronically ), and if the debt protection had paid on my accounts in a more timely fashion. One of the late charges was reversed, but there are still {$47.00} worth of late charges that USAA refuses to reverse.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XXXX/XXXX/XXXX I gave permission for Capital One Auto Finance to run my credit. I recently obtained my yearly credit report and i noticed that they ran my credit again on XXXX/XXXX/XXXX resulting in a hard inquiry on my credit report on all the major credit bureau XXXX, XXXX and XXXX resulting a drop of my score. I have no idea why they ran my credit again. I contacted them to ask why did they run my credit and that i never gave them permission and to please remove it. They stated that I need to take my name off a general pre-approval list. I have no idea what pre-approved list they are speaking about.
Consumer complaint received 2017-01-21
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, I contacted XXXX to apply for a refinance mortgage because it was advertised in TV that XXXX encouraged all veterans to apply for the XXXX loan. My husband and I are both XXXX veterans. We served during the XXXX era, and wanted to apply for the loan. I talked to XXXX XXXX, licensed XXXX specialist, and he ask me information about our condo, mortgage payments, insurance, and incomes. I provided him all the required information for the loan application. Apparently, he informed me that he needed to do a credit report in order to check whether we qualified for the XXXX loan. Unfortunately, he informed me that I did n't qualified and also denied the loan due to 150 days late with Wells Fargo mortgage loan. XX/XX/XXXX, Wells Fargo was paid off in the amount of {$290000.00}. Currently, my credit report still shows that I was 150 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Wells Fargo. I tried more than three times to contact, XXXX XXXX XXXX, Executive Resolution Specialist, and also left a complete message to contact me, but she never returned my call to discuss about the inquiry. She lied about unable to connect with me. XXXX XXXX never mentioned that I had to pay Well Fargo attorney fees which was included in the {$290000.00} that was paid in full XX/XX/XXXX. According to the email dated XX/XX/XXXX, my former broker had email me about his conversation with XXXX XXXX, that an amount owed was {$16000.00} plus attorney 's fees. Wells Fargo attorney was XXXX XXXX XXXX. We went through financial hardship due to the furlough, and it was taken to consideration. Unfortunately, Wells Fargo placed us in a much more burden when they threaten foreclosure on the XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX had to answer to the foreclosure Notice. According to XXXX XXXX, Executive Resolution Specialist, the foreclosure action reported on XX/XX/XXXX, will remain on the credit report as part of the loan history. Apparently, this will deny all my loan borrowing and disqualify us. Subsequently, my credit rating still shows a delinquent of 150 days, and is affecting my loan borrowing. In the past, Wells Fargo had harassed me at work, home, and even in emergency room. In the past, I had ask XXXX XXXX XXXX why Wells Fargo, would call my home phone number frequently dawn to all hours of the night. This is not a matter of confusion and frustration. Wells Fargo is too harsh to customers like me and in the future do not threaten, harass, or cause conflicts. 
Finally, XX/XX/XXXX, Wells Fargo had charged for bounced checks in the amount totaling {$660.00} due to systematic computer error.
Consumer complaint received 2017-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

I originally borrowed about XXXX for XXXX and XXXX school.Over the years I never really made enough money to pay them back. I was told that my deferment time was all used up and they said to put it into forbearance. Not sure if it was true about my deferment being used up. So now my amount is up to XXXX. The loans were taken out early to mid XXXX for XXXX probably through XXXX XXXX and XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX/Navient. I always thought forbearance both ran out at some point as well. This is still my understanding. I truly feel that they were n't looking out for my best interest. I 'm XXXX now and I do n't see how I can pay them back. I 'm only making XXXX now despite my best efforts to get a better paying job. Right now I 'm under an IBDR plan and paying nothing based on my current salary. I believe if they had worked with me with my best interest in mind somewhere along the way we may have been able to work something out. But now with limited income and high student loan debt, I 'm turning to you. Ive requested copues from Navient and they have never sent anything despite saying they would regarding copies of the original paperwork. Please help.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal retail credit card account opened at XXXX on XX/XX/2016. Ive attached a copy of my Experian credit profile maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my Experian report maintained by you were not opened, made, or initiated by me. This aforementioned account XXXX is the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Consumer complaint received 2017-01-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I went to the Well Fargo banks web site to get information on refinancing my current auto load ( Well Fargo web page attached 3.83 % if a banking customer ). When I went to the bank I told them specifically I wanted to # 1 lower my interest rate on my other car loan ( 4.99 % Note : not with WF ) and # 2 also wanted to put more money down to take out a smaller loan amount ( XXXX more down ). I told them my XXXX score was in the low XXXX 's ( Note : I was within XXXX points of what I told when they checked my score online ), I provided the last 2 years of XXXX 's to prove income of over XXXX. I have no debt other than the car loan and own XXXX houses outright. I stayed there at the Well Fargo bank for 3 hours and at the end of the process they came back with a 6.6 % APR on a loan of XXXX. They told me I needed a XXXX score in the XXXX 's to get the web 's lowest advertised rate. One would think that before they financially damaged me by lowering my credit score ( credit check ) to do the application they would have said I needed an XXXX+ XXXX score to get the false advertised rate that XXXX could n't meet the criteria for. I believe that the ad saying " must have excellent credit '' is totally misleading and should state the XXXX score they are looking for. I feel that it was like a bate and switch scheme to get you to come in so that they can sell you a product that does fit your needs or goals, even when you tell them upfront what you are looking for. Plus they did financial damage by lowering my XXXX score for this waste of time! They could have given me an answer within 30 minutes that my XXXX did n't meet their criteria for a lower rate than what I had. Well Fargo seems to have reboots that just punch numbers into the computer without knowing the product they are selling nor what the underwriting department is looking for in terms of a simple XXXX score. They should have a simply computer worksheet to plug in the numbers to get an estimated quote without checking you credit first or going thru the complete application process. People that come in to refinance are not there to get hidden higher rates as WF tried with myself ; a smaller loan with a high 6.6 % rate I do n't win there yes lower monthly payment due to me taking out a smaller loan but higher interest ; I end up paying more in the long run ( very deceptive practice ) if you are not savvy to catch it.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NY)

XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Collections Enterprise, Inc. (MD)

I have asked American Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Oak Harbor Capital, LLC (TX)

A writ of garnishment on my bank account was issued by XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (FL)

I encountered missing money in my account with a total of almost XXXX. My bank BBT has denied my dispute and are not even providing me with a temporary credit until they can investigate clearly without making assumption on why I could n't have prevented it. I informed them that someone close to me might have got ahold of my pin and was using the card at the same time. But they are not willing to look beyond and I am now suffering the lost of almost XXXX. I do n't know what Else to do now that I do n't have none of my savings anymore.
Consumer complaint received 2016-04-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (MN)

I was contacted on XXXX/XXXX/XXXX in regards to a payday loan I supposedly taken out on XXXX/XXXX/XXXX. I requested the specifics of the payday loan as I agreed to taking out payday loans in the past but never defaulted on it. The person could not give me any specifics as to who the complainants/broker were however ; she did state the financial institution was XXXX XXXX. I am very skeptical that this is my debt as I 've have excellent history of paying my bills on time for the last 8 years no late payments on credit report at all. As a matter of fact I am certain this payday loan was paid in full. I am sure this is some sort scam or scare tactic and I am not sure what they will try to do to get money from me. I ca n't say the debt is mine or if I 'm a victim of identity theft. I am currently with the same bank and never received any sort of communication about debt being outstanding. I 've lived at the same address for 6 years prior to moving in XXXX XXXX. I have never received any sort communication about delinquency which raises concerns. Could someone provide information on the legitimacy of this debt collector? They only provided a number no company name is noted on answering machine XXXX. Lastly, I checked the debt was paid in full however it may not be mine at all considering they could not provide me any details on the debt.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.C. System, Inc. (OH)

On or about XXXX, 2016 I noticed that a XXXX XXXX 's XXXX bill had appeared on my XXXX credit file. I requested that this company validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now IC Systems collection is coming after me. I have continued to request that they validate this debt and they continue to allow this to report on my credit file.
Consumer complaint received 2016-11-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (TX)

I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.