davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC (NY)

On XX/XX/2018 a company called my father 's phone and called itself ARS and demanded that I call them to settle some legal matter. If I didn't a XXXX XXXX by the end of the day she threatened to take immediate legal action, freeze my bank account, garnish my pay and call my employer. At no time did she indicate who she was working for or for that matter what the name of her comapny was. 

My father called back and was informed that it was Atlantic Recovery Solutions and he hung up. Immediately after hanging up someone left a message from the same company that '' the apple doesn't fall far from the tree '' I am autistic and this does not help my situation. I do owe XXXX XXXX XXXX some money and have been trying to settle the matter.
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC (CA)

Waypoint Resource Group uses illegal spoofing practices to disguise their phone number on my caller ID. They attempt to call me frequently during all hours of the day, sometimes early morning before XXXX XXXX. They do not state what their business is or why they are contacting me unless I give them personal information about myself. When asked whether they are a collection company, the representative states that they are not. If they can not reach me, or if I don't answer their phone call, they then contact my fiance on her phone. On XX/XX/2018 at approximately XXXX, Waypoint Resource Group called my fiance on her phone with her caller ID showing my phone number when I was sitting next to her. If I wasn't sitting next to my fiance at the time, she stated that she would have answered, thinking it was me calling her. On XX/XX/2018 at XXXX, Waypoint Resource Group called my fiance on her phone. She did not answer. I have filed a complaint with the FTC against Waypoint Resource Group for their harassing phone calls, their illegal spoofing practices, and for continuing to contact both me and my fiance after they have been told to stop. The phone calls began in XX/XX/XXXX and are growing in frequency. My fiance and I no longer answer our phones if we don't recognize the caller ID.
Consumer complaint received 2018-11-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LTD Financial Services, L.P. (TX)

Continuously receiving calls from debt collector. Presumably LTD Financial. Not sure because I will not give any personal info over the phone and they can not discuss unless I verify personal info. I have repeatedly asked them to STOP calling me and send written correspondence only. I have blocked every number they call from, they just call from a different number. I also stated I am on the Do Not Call Registry.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 9 attached. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (OH)

I have a XXXX mastercard issued by XXXX XXXX. Rewards were not issued per terms and conditions on the account. representatives I have talked to were no help. 

Called in tonight and talk to a supervisor named XXXX with id XXXX and she was just making excuses why I was not receiveing rewards, very unhelpful, rude, didnt care. 

She closed my account after I said the only reason I am closing is because she was being unhelpful and she forfeited my rewards which were missing in the first place.
Consumer complaint received 2019-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

AES recently responded to a previous CFPB complaint about claiming they're under obligation to send correspondence through the mail for any loans going past due. If AES feels that what they're providing is the truth, then they should be sending all documentation highlighting where it says specifically that they are under 100 % obligation to send correspondence through the mail. If AES can not prove this, then they have no case and should be held under extreme scrutiny for Fraud. It's the same as if they were in a court of law and couldn't prove it, but claimed what they're saying is the truth. Until they prove what they're saying is true, it's honestly anyone 's word, and for all I know they could have been found guilty of committing perjury in the past. 

It's pretty obvious that AES is starting to build a very unwanted profile of themselves. All you have to do is read any one of the MANY potential suits/complaints below or active suits below. Any consumer who has loans through this company should never trust this company and question every move they make. Sorry to be so exposing, but AES trying to claim they're doing the right thing without providing proof that they aren't is an attempt for them to play devil 's advocate. 

https : //www.meyerwilson.com/AES-Student-Loans.aspx https : XXXX https : XXXX https : XXXX https : XXXX From XXXX ( if a company was so squeaky clean of any guilt, then you shouldn't have gotten a lawsuit filed against you to begin with, no? ) The lawsuit accused PHEAA of deceptive practices that caused public servants to lose benefits and financial assistance under two federal programs, including one that forgives student loans after about 10 years of public-service work.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

In appliying for this new credit card, I was promised XXXX XXXX points ( XXXX XXXX Rewards points ) if I made {$3000.00} of purchases in the first 90 days of card membership. I made the required purchases in the first month of cardmembership ( in XX/XX/2018 ). Now, nearly eight months after completing the required spend, I still have not received the promised points. Ive called AMEX customer service about the issue at least six times to no avail. Each time Im promised they are working to resolve the issue. Please help me secure the promised reward points.
Consumer complaint received 2018-12-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Knight Adjustment Bureau (WA)

I was served papers by an officer and I was told to contact the collection agency. When I contacted them I was transferred to the representative at Knight Adjustment that was  handling my case, XXXX was her name. She told me that I should let the judgement go through because I was going to lose anyway and that in return she would make sure that I was not charged the interest or fees usually associated with a judgement. As long as I made the {$50.00} monthly payment and was also required to be put on a 6 month recurring payment plan. I asked if it could be lowered to {$25.00} a month and she said no. I told her I would have to figure some things out, and call her back. She told me to call back within the week otherwise the deal would be invalid. This took place sometime around or before XX/XX/XXXX. I called back a few days later ( all of these conversations should have been recorded, as stated every time I called, as well as every time I called to renew my 6 month recurring payment plan ) and agreed to the terms. She took my {$50.00} over the phone and set me up with my initial recurring payment plan. Every time I would call to set up a payment, I would inquire about the balance, and she would always state that it was lowering. I ended up moving to Washington State ( XX/XX/XXXX ) and in that process, I noticed that my recurring payment plan had lapsed, so I called XXXX to set it up again, let her know that I had moved but didn't have a permanent address yet, and to inquire about the balance again. Everything was good until six months from that time to set up my recurring payment plan again. I called again to talk to XXXX, and was told she was no longer with the company and someone else would help me. I asked about my balance, and it was over {$10000.00}, which was nowhere near the balance I was told six months before which was around {$2000.00}. I asked the new representative how that was possible, and they stated it was the interest and fees that had been collecting on the account. Something that was withheld from me and stated by XXXX, their representative as something that was not going to incur. I was also told that they could not take my payment because I had moved out of their area, even though they had been taking them for 6 months, and knew that I had moved. I am not the original creditor on the account, I am the co-signer, and they had the account transferred to a company here in Washington State, even though the original creditor lives in Utah, and the debt is now almost {$20000.00} with the new fees and interests.
Consumer complaint received 2018-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

XXXX XXXX XXXX  sold our HELOC to Rushmore Loan Management Services. The communications from XXXX XXXX were minimal and came late in the process. XXXX XXXX has also not provided any customer support during the transition. 

Rushmore LMS failed to provide us with checks for our HELOC once it took it over from XXXX XXXX XXXX. We have therefore been unable to make any payments drawing on our HELOC. We are facing late charges because we can not write checks against our HELOC. 

Neither Rushmore nor XXXX XXXX has been at all helpful in solving this problem. In fact, we have had great difficulty even reaching customer service at Rushmore.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Date opened XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( XXXX, XXXX, TransUnion, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXXXXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I paid the XXXX on behalf of XXXX XXXX XXXX a {$150.00} deposit for a work meeting. Upon paying deposit I signed a proposal stating that the deposit could be paid via my Capital One 360 debit card but remaining balance could be paid via cash, or card. On XX/XX/XXXX, we had our work meeting at XXXX XXXX XXXX at noon. Around XXXX, the CEO of our company asked for the check. I saw him give our server his debit card for the remaining charges of {$830.00}. I asked our CEO if the receipt had the deposit amount deducted. He said it hadn't and gave the receipt with his card with the server. The server brought back the receipt and the CEO signed. A month later I was contacted by XXXX XXXX social stating the balance hadn't been paid. I told them I watched the XXXX give his debit card to the server twice. For months XXXX XXXX social and I went back and fourth. Id written them a check from a different bank but stopped payment because I felt something wasn't right. The two receipts we were presented had a huge 3 time difference from where we paid from when the receipt printed. No where in the proposal stated that my debit card would be charged for the final amount. Nor did I give XXXX XXXX XXXX or XXXX permission to charge my debit card. On XX/XX/XXXX XXXX XXXX XXXX via XXXX charged my card for {$830.00} without my permission or my signature. I filed a claim with Capital One Bank On XX/XX/XXXX disputing the amount as an unauthorized charge. On XX/XX/XXXX, I received an email from Capital One Bank stating that they were reversing my credit of {$830.00} from my account on XXXX, XXXX. I appealed the decision immediately. On XX/XX/XXXX, I received another email with 26 pages of documents of emails between myself and XXXX XXXX XXXX. None of the emails included a signature or authorization to have my card charged for anything other than the {$150.00} from XX/XX/XXXX. Capital One Bank asked via email that I not contact them again about the matter. The charge is fraudulent.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

Dirversified Consultant add a debt collection on my credit report on XX/XX/2018 for {$290.00} dollars that I don't know what's it about and what to get rid of it as soon as possible.
Consumer complaint received 2018-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion score changes every other month to XXXX then to XXXX. This has been going on for a year with TransUnion. Something is going on fraudulently and I need this to be investigated immediately
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

1a. on XX/XX/XXXX XXXX filed a fraudulent Assignment of Deed of Trust falsely claiming to be nominee for the defunct XXXX XXXXXXXX XXXX. XXXX  violated RTC 23302 Transferring Property in California under a corporate suspended license. XXXX  license to do business in California was suspended by the Secretary of State of California XX/XX/XXXX. XXXX  license to do business in California was also suspended by The Franchise Tax Board XX/XX/XXXX. XXXX XXXX did not own any loans in XXXX XXXX XXXX XXXX XXXX. also filed a Corrective Assignment of deed of trust in XXXX operating under a Suspended Corporation violating State and Federal Laws. 
2 Specialize Loan Servicing is responsible for the illegal transferring of loans XXXX XXXX XXXX who is employed by Specialize Loan Servicing forged the Corrective Assignment falsely claims to be Assistant Secretary for the California Suspended Corporation XXXX, and representing the defunct XXXX XXXX XXXX who denies owning ANY LOANS as of XXXX See XXXX XXXX XXXX Liquidating Trust Letter Page 3.
Consumer complaint received 2018-12-28
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: Experian Information Solutions Inc. (TX)

On XX/XX/2018 I had sent XXXX XXXX XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX.

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY.

I received a letter on XX/XX/2018 asking for additional information to address my credit " DISPUTE ''
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (OK)

I contacted the servicing company for my auto loan BBVA Compass today because on my online account it shows I am past due since XXXX. I was in a car accident in which my insurance company released funds in the amount of {$6800.00} directly to BBVA Compass and all funds posted to curtailment on XX/XX/2018. I contacted BBVA compass mid-XXXX to inform them that I would like the funds posted towards XXXX 's payment and the remaining balance to curtailment. The agent informed me that he would open the request to have that done. I was not notified that this was not an option nor was I told this would be an issue. When I contacted them after noticing my account status, the agent informed me their accounting department closed the request to post funds the same day it was opened due to the fact that the funds were from insurance. I was never notified nor was a letter sent to me to inform me I was more than 30 days past due on my auto loan. The company has informed me they are not aware when this will report to my credit and this will not be resolved in a timely matter as I have to wait up to 4 days for a manager to contact me to discuss the issue. I would like this investigated and my credit report to be corrected if this is reported as a derogatory mark as the company should have posted my funds accordingly as I requested, or notified me if there was an issue.