davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LPH, Inc. (MT)

Northwest Collectors in XXXX, MT have harassed me about a debit that wasnt mine, not once, not twice but three times now, for another womans debit, that is not mine. The first time, it was about her negative balance on her car, the second time was about her negative balance in her bank account. The third time, which was yesterday, a processor showed up at MY place of employment to serve me papers for ANOTHER womans account. I dont know what this debit was for but I have called them after the first and second times asking them to stop, asking them to be diligent and look at social security numbers, middle names and dates of birth. 
This third time, after having a processor show up to my work, I am done. This needs to stop. This is harassment for a debit that is not even mine and Northwest collectors are humiliating me, going to the place of my career.
Consumer complaint received 2019-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (MD)

I opened a new BB & T Bright Banking checking account at XXXX XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, MDXXXX ) on XX/XX/XXXX. I was assisted by XXXX XXXX XXXX, a branch banker whose contact number was XXXX. After finding out that the advertised bonus was not credited, I visited the branch in person on XX/XX/XXXX and found out that he was no longer working there.  According to the checking promotion when opening the account, using U app by BB & T bill payment service to initiate 3 online bill payments of {$25.00} or more each from the the new checking account within 75 days of account open date ( XX/XX/XXXX ) before XX/XX/XXXX and maintaining a good standing ( no XXXX or less than XXXX   balance ) checking balance per statement cycle for 120 days after account opening, I should have been credited a {$200.00} bonus within 4 weeks of meeting the requirements. I met those requirements in early XX/XX/XXXX and the bonus was never credited. I can provide the promotional card and account balance details downloaded from BB & Ts online banking. 
After the 4 week waiting period, I visited my new banker XXXX XXXX   at the XXXX XXXX branch in person on XX/XX/XXXX and was told that she couldnt resolve the issue at the branch level, would submit the case to the marketing team, and someone would get in touch with me within 24 to 72 hours. However, I never received that call. Eventually, I reached out to the customer service on the phone and hoped to get help from them. They confirmed my personal information and told me that they need more research on my case and hung up on me twice without giving me a case number that I could have followed up with. In addition, the customer service representatives never called me back for further assistance. At that moment, I realized that no matter how many times I call, I would get the same answer all over again.  Furthermore, when I was opening the checking account, I double checked with the former banker on the authenticity of the promotion and he confirmed it. I have never experienced this degree of dishonesty before. It seems no one in BB & T is actually willing to look into the case.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

Credit Company : XXXX XXXX XXXX XXXX  XXXX XXXX : {$5900.00} Valid Thru : XX/XX/year> Promotion : XXXX interest-free installment plan Payment method : Autopay from XXXX XXXX  Final Payment ( Deducted from Autopay ) : {$2700.00} Unreasonable Interest Charge : {$2100.00}
Consumer complaint received 2023-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank has refused to provide me with temporary credit as I had disputed a few transactions. Specifically, the transaction in the amount of {$64.00} from " union '' was disputed because the merchant said a refund would be made within 10 days. It has been over 10 days since I received notice of the event cancellation, and I had shared these details with Chase Bank. Chase Bank refuses to accept any documentation or other evidence from their customers, and only accepts documents through fax. I do not have a fax machine, and I do not have a vehicle for transportation. They do this on purpose to minimize their obligations to adhere to federal regulations.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (WI)

Recently the debt collection agency AR Resources reported a collect account in the amount of {$1400.00} to major credit reporting agencies claiming I owed for a past due balance. Prior to doing so no letter of notification or debt collection practices as outlined by the FDCPA were followed. Upon learning of the collection account through a credit monitoring service I contacted AR Resources in writing to dispute the debt, ask for validation of the debt and explain that I had not received a letter previously explaining the debt which would have allowed me to dispute the debt. In return I was sent an unsigned copy of an invoice, despite requesting proof of an original letter of intent to collect the debt and no verification of the debt of any sort. 

As such AR Resources continues to report negatively impacting information to my credit profile. When contacting AR Resources via the phone in XX/XX/2020 I was informed that they do not have any documents establishing privity between their organization and the original medical facility and myself, also no signed agreements between myself and the original creditor. They referred me to the original creditor who states that since the account is in collections I must speak directly to AR Resources. As of XX/XX/20 AR Resources has not validated the debt as requested.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (TX)

On XX/XX/2019 I initiated contact with a representative from Hunter Warfield to resolve a debt. I made it clear when I spoke to them that I needed to have the account completely removed from my credit if I was going to pay it ( not just showing a balance of " XXXX '' ). The representative stated that it would be and added that it should " fall off '' within 90 days. 

I asked for a letter indicating their intention to remove the account ( not just indicating the account has been " settled '' ) from my credit however they provided me a letter that did not and has not indicated that directly and I do not believe they intend on removing the account from my credit report as agreed upon. 

I called them a second time and requested they send me a letter using the words describing our agreed upon terms in " removing '' the account from my credit however they provided me with the exact same letter they did the first time.
Consumer complaint received 2023-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe Amsher Collection Services. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt to AMSHER COLLECTIONS SERVICES. 
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given Amsher Collection Services the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with Amsher Collection Services and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize Amsher Collection Services to have access to my personal information. This information collected by Amsher Collection Services is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to Amsher Collection Services. I request Amsher Collection Services provide a signed contract between me and Amsher Collection Services regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$160.00} from credit reprting agencies, XXXX, XXXX and XXXX
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

Originating lender has XXXX lien on XXXX stock shares after being paid in full. 
Requested lien release ( XXXX Termination ) XX/XX/XXXX from originating lender. 
Response from originating lender was that loan was transferred to another lender on XX/XX/XXXX - blocking borrower ability to refinance.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I was locked out of my Equifax credit report, using there lock and alert. then when I called to get lock and alert off. Equifax said cant verify my identity, by questions they asked. and I would need to fax documents copies of ss card, birth cert.. drivers license.., and utility bill,, so I did this 3 times in 3 months. and called 4 or 5 times, and they say same thing, you will be getting a letter in mail, and I never did, and told them that. its ridiculous ... .the questions I been asked about loans and credit cards on my report I cant answer. for identity verification, so I tell them im concerned about fraud, and I need to view my report,,, 3 months later still cant view my Equifax report ...
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have capitol one bank and my card has been locked for 2 months now because capitol one refuses to accept my documents that I sent. 

My card was locked back in XXXX of this year due to suspicious activity on the account. 

I already spoke with capitol one and they asked me to send in documents The documents they asked for was a picture of my ID front and back, my bank statements, utility bill, they wanted these documents for proof of residence When I applied for capital one I was XXXX XXXX XXXX and living with my grandmother. So the address thats on the account that they want me to show proof of residence for I dont stay there anymore I have my own apartment now. 

Since I was staying with my grandmother at the time I told capital one that I wouldnt have any utility bills that's in my name because I was staying with someone at the time. 

I sent them the front and back picture of my Id and my chime bank statements and they told me they couldnt accept my chime bank statements because its not considered a real bank. 

Now theyve asked me to send a picture of my key bank statements I sent that and they said it couldnt be verified XXXX being told that my account is permanently restricted and I wont be able to use it again. 

They are stealing my money I put XXXX $ as a security deposit and I cant use it this should be illegal
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: MRS BPO, LLC (CA)

On XX/XX/2021, at XXXX ( Pacific Standard Time ) The caller, MRS Associates XXXX using a robot or automated voice, asked for my Social Security Number. I responded by saying I do not give my SS Number over the phone and hung up. I have no debt. This is likely an attempt at fraud of some sort. Perhaps to trick me into thinking I owe some debt of a person with a name similar to mine. 
MRS Associates or MRS BPO is a third-party collection agency based in New Jersey. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act XXXX FDCPA XXXX, such as failing to provide written verification of debts and threatening to take actions that can not legally be taken. The foregoing according to Lemberg Law. I believe that " robot calls '' are illegal.
Consumer complaint received 2019-01-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NY)

I have repeatedly called on each below date and asked for a " conditional approval letter '' for each of my four loans through Discover which were bought from XXXX XXXX. Each time I asked for the approval letter I was instead sent a copy of my initial loan application before it was approved. In the loan application is says my variable interest rate will be as identified on my conditional approval letter. Discover Student Loans is unable to provide the " conditional approval letter '' which leads me to believe they may be misleading me on my variable interest on all of my loans. 

Each date I called Discover Student Loans, requested the conditional approval letters and filled a formal complaint. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (AR)

I found this GENESIS CARD SVCS company on my credit report with 2 different cards. A destiny y and indigo. I have never heard of this company until now. I contacted them and made them fully aware of the situation and that I never authorized any accounts under my social to be opened with them. As well as I never lived at whatever address they have listed. I spoke to 2 managers in which one of them stated to me the former rep never properly marked it as fraud. They said she just closed it and did nothing. Else so he proceeded to properly file the accounts. This is not okay and I should not have to go back n forth with this company about this when I have other accounts also that have been fraudulently opened under my social due to the XXXX and XXXX  date breach my info is on the dark web. All other company have promptly taken action to correction this plaguing problem. But GENESIS is still giving me the rub around. REMOVE ME FROM YOUR SYSTEM and DELETE THESE ACCOUNTS OFF MY CREDIT REPORT IMMEDIATELY! You are damaging my livelihood with FRAUD!
Consumer complaint received 2023-06-13
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (MA)

I have had a XXXX account since the year XX/XX/XXXX. According to my credit report it is in satisfactory condition as far as payments. On XX/XX/XXXX, I went to XXXX to make a purchase using my XXXX XXXX  credit card. At the time the sales person asked me if i was interested in changing my current level to a platinum level or a gold level for more savings and perks. I confirmed with her it was the same account just upgraded. She assured me it was. I received bills paid them. I one day received a letter that stated my payment was due and to disregard if payment was sent. Due to the fact a payment was sent I ignored the letter. I then received the actually bill which I had not received. I called XXXX XXXX and discovered there was two accounts at the same level, the account was not changed to a platinum or gold level. I expressed my frustration and asked to speak with someone regarding the matter. I was told over the phone that I should go to XXXX XXXX  and complain to the person who opened the same type of account and did not close the other one. At this point I felt it was beyond speaking to someone at XXXX XXXX. I then wrote two letters to dispute the problem and asked for the one that was opened in error by the person at XXXX XXXX to be closed in order to protect my excellent credit score. I received a reply back stating it was to late it was already reported, but I did not receive a response to the letter sent concerning the employee who opened the same type of account. The amount that was owed on the new account was original {$170.00}. I have been paying off total balances on the old account each time I have gotten a bill. The old account bill is mailed, due to the fact that a second was opened it appeared as if it was the same bill already paid. The second bill also did not seem to be mailed as often. ( So it appeared ) It is absolutely absurd to open the same exact account level when the original has been used and paid off without any issues. Due to the error on the part of the clerk whether it was done for her to gain a commission by having people open new accounts when they already had them. Or simple done due to human error it has effected my credit score and rating causing a adverse effect on my credit report. I wrote XXXX XXXX to assist with this matter of combining the accounts and coming up with an arrangement and trying to figure out which account is which, I received no reply. I have an outstanding history of paying my bills on time, I have the funds and the ability to pay off this bill and have. But I should not have to pay the late fee or have my credit damaged because of someone else 's error, which could be consider fraudulent behavior on the part of the sales clerk at the store.
Consumer complaint received 2023-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (OH)

I called XXXX on XX/XX/XXXX regarding a late payment in XX/XX/XXXX. I was requesting it be removed since I had COVID and stuck on quarantine. They told me that XXXX will not do any goodwill adjustments. I don't really consider this a goodwill adjustment since I had no opportunity to make the payment. I made the payment as soon as I could and my account as been current ever since.