davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (KY)

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

*disputing the alleged debt*
Consumer complaint received 2015-08-08
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage ( lender ) is currently processing my VA Mortgage Loan to purchase a home. The lender approved our loan and we received our lender commitment letter XXXX XXXX 2015 for the amount of {$170000.00}. We found a property we wanted to purchase with an original price of $ XXXX that was later appraised to $ XXXX. The lender had us ( the buyer ) pay the following fees : Title Fee ( {$1000.00} ), Inspection Fee ( {$300.00} ), Appraisal Fee ( {$440.00} ) and other processing fees. To this date we do not have our corrected GFE yet. The lender has sent us numerous rough drafts of the GFE with multiple errors and discrepancies like for example : charging the buyer costs that do not apply to VA Loans. The even tried to have the buyer pay for the Property Termite Inspection and Survey Fee which I refused to pay. I have been more than patient with the lender and right know we are very stressed and XXXX about the whole ordeal.
Consumer complaint received 2015-12-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: First Associates Loan Servicing LLC (OH)

I was XXXX when I had a meeting about how to pay for my school at XXXX XXXX I did not I did not understand what they were talking about. someone just gave me some papers to sign. after I graduated I got many, many calls about owing money for going to XXXX. I told them that I could not remember what they were talking about. I told them to stop calling but they not stop. I got really scared to answer the phone because they very mean to me. I went to my psychiatrist and he changed my drugs to help me out. I got a lawyer who told me he was going to sue and I would get a lot of money.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AZ)

frequent harassing phone calls at all times with unknown number at inconvenient times and days. 

I have sent them a letter to cease and desist all communication to me and to any 3rd parties agencies not authorized by me in writing pursuant to FDCPA 15 U.S.C 1692c ( b ) ( c ).
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

frequent calls with unknown numbers of weekends and before XXXX also after XXXX. harassment of calls and texts. 

I have sent them a letter to cease and desist all communication in any matter and to any 3rd party not authorized by me in writing pursuant to the FDCPA 15U.S.C 1692c ( b ) ( c )
Consumer complaint received 2015-03-24
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

i have been working with Hamp services, to save to my home, i qualify for home principal reduction program, i sent my payments on time, the bank was in agreement, but then turn around and put a sale date on my home, i filed a ch XXXX on XXXX at XXXX same day of sale date which was at XXXX, i called the bank lawyer to let them know and also fax the bk case number, the bank received my paperwork on XXXX they answer the orginal complant that was filed with you, but instead of answer the complint to you, i recieved it the answer of the complanit the day before the sale date, i wasnt notifed of sale at all, the bank lawyer was not returning phone calls and was avoiding to back out the sale of home, they have been putting be on there force insurance, then i recieved a letter from another lawyer that class action suit because wells fargo was getting kick backs putting home owner on there lpi, i also dont understand, wells fargo has to follow investor guideline, when i thought they have follow hud guidline not investor guidelines,, not to mention my credit has been forced to be ruined because, the bank continues to not give a modifation, i meet the guidelines, and XXXX was never my investor at the beginning, up until recently my mortage note was under supeior mortage, so there for the foreclouser wasnt done the rightway, and wells fargo told me if i want a modicaftion i would have not pay my mortage, and beside my hardship i qualify for modifcation, and i want the bank to review my paperwork and my finainal have changed for the better, i am XXXX my XXXX they have caused me to get sicker and alot XXXX,, all my XXXX, i found out my taxes havent been paid for a year and i can fax you the proof,, when the bank came into agreement with home program i have sent in XXXX tht there holding,, the bank to not act ethical and accomdate a XXXX women, according to my doctors i could very well have another XXXX due to the over wheliming stress.which i can provide proof of my condtion, this isues with the house please reslove it, i also have a son that on a XXXX at home, and me being stressed around, thank youXXXX XXXX XXXX XXXX XXXX fl XXXX
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (OK)

The conversation I had with the American Express credit card company was confusing as far as the exact numbers go, so the numbers I 'm using will not be exact but the way the CC company handled it should be obvious. I had a balance due in XXXX. I paid part of the balance ( more than the minimum ). I made a purchase of {$3000.00} in XXXX. In XXXX I paid {$3100.00} on a balance of {$3100.00} making my balance due of {$15.00}. My statement for the amount due in XXXX showed an interest charge of {$28.00}. It looked odd to me that {$28.00} would be charged on a {$15.00} balance. I called the company. They told me that it is a " trailing interest '' charge. Because there was a balance from the previous month ( I 'm thinking the {$15.00} ) that, even though I paid them {$3100.00} they were going to charge me interest on the {$3100.00}. In other words they are charging me interest on money that I have already paid. I asked the lady from the CC company if that was accurate and she said, yes, because the previous month 's balance was not paid in full they would use their '' trailing interest '' policy to charge me interest on money I had already paid them. Is it legal for them to do this? To my knowledge, none of the other CC companies I deal with operate in this manner.
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

I SENT THIS COMPANY A COPY OF MY CREDIT REPORT SHOWING I DID NOT DO BUSINESS WITH THE COMPANY THAT THEY ARE COLLECTING FOR SINCE 2006 IN WHICH THAT ACCOUNT WAS PAID FOR. I HAVE NO KNOWLEDGE OF WHAT THEY ARE COLLECTING FOR AND THEY HAVE NOT SENT ME ANY EXPLANATION OF THIS DEBT EVEN AFTER I SEND THEM CORRESPONDENCE ADVISING THEM THAT IT WAS NOT MINE. NOW THEY ARE STARTING SOME LEGAL PROCESS.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/XXXXon Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-08-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

Relocated to Ohio in XXXX with a job transfer. It was not a smooth transition and because of many circumstances out of our control, the move cost us XXXX and a lost home. The transfer was voluntary therefore, the company did not reimburse charges. In XXXX, we found that we were trying to recoup our monies lost and was contacted by a broker with HFC, what he explained to be a Home Equity Loan sound as though this is what we need. It would consolidate our debt into XXXX loan in the amount of {$20000.00}, and it would be paid off in XXXX years. I contacted HFC aka HSBC a couple years ago to inquire as to why the loan is going on XXXX years old and the balance is {$21000.00}. I was told that this was a credit card with a high interest rate which incurres interest monthly. Because of the job market in XXXX Ohio, I have been unemployeed ( layed off ) XXXX times since XXXX ; I allied for a hardship modification with HFC and was approved in XXXX XXXX. I am still getting late notices for the original montly amout and when I call in I am told they do not know why their system has not changed things nor why the total amount is not going down other that THIS IS A DAILY RATE INTEREST BEARING LOAN. How can we ever take care of this? I feel this was a deceptive practice from the first conception of this loan and I am sure we are not the only ones this has happened to. What can we do?
Consumer complaint received 2015-04-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Credit & Collection Corporation (PA)

Global Collections Corporation - Claiming to be collection on behalf of XXXX. XXXX has not communicated with me - turned over to collections and I am now dealing with Global Collections Corporation. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

JEFFCAPSYS XX/XX/XXXX Account Details Last Reported XX/XX/XXXX XXXX XXXX JEFFCAPSYS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$380.00} High Balance {$380.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have disputed this debt several times through the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

This is really getting to be a problem. The dates are listed very clear and the police report was given along with other corroborating evidence to this bureau via fax. There are not even taking the time to investigate only reporting inaccuracies. I have been taking several hours of my day to call these banks ect. only to hear that they have not gotten some type of questionnaire that comes from XXXX usually. Even, there how can an account be verified by a questionnaire. This was verbatim from XXXX XXXX and XXXX legal team. Thus far upon me calling directly to these creditors I get results even before Equifax alleged attempt to reach out and verify its accuracies. Someone is lying and it has to be EQUIFAX because the proof is in black and white. I am attaching XXXX ( XXXX ) letters with regard to these inquiries while I await the others. So far XXXX XXXX and XXXX apologize and would like to delete but they are still waiting for Equifax to send them something and so is XXXX XXXX XXXX XXXX. They have NOTHING except my complaint. Now attached are XXXX letters that were sent via email and XXXX Mail stating that inquiries will be removed and they are dated before the XXXX XXXX credit file sent from Equifax saying they verified the information. These people should really stop hurting a persons chance to obtain credibility when they are not even viable themselves. It 's almost like they never even bothered. They just state that I need to contact the creditor directly and do their job, which I am forced to do anyway to receive any type of vindication. I see why they are number XXXX in the news for bad reporting yet they claim they will do their best to help. When this only proves they are doing NOTHING. Says so the creditors as well, because not all people are trained to know the answers so they rely on the help of the bureau to assist the consumer. I am a witness to this first hand now. Please do something about this as I do not have the time and money to keep wasting fighting these people to do what is right. I am a new mother just getting back into the work field and just ca n't give all my time to Equifax for them to get paid for bad reporting. It should not be on the consumer to do their job. Thank you.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

The issue here involves a dispute that was filed on my Citi Preferred card. This was in regards to a merchant I was dealing with XXXX. I charged a bedroom set of furniture from XXXX and also a delivery and set up charge all on the credit card. XXXXl delivered an item broken and I refused the item and requested it be delivered at another time. XXXX failed numerous times to deliver the item per the agreements that we had. After a couple of attempts, much customer dissatisfaction, and no help from the merchant I chose to pick the last item up myself. The agreement of ALL items delivered and set up was never satisfied. I disputed the charge with my credit card issues for " Services Not Provided. '' This situation clearly met the intent of XXXX 's charge-back guidelines for services not provided. After more than 120 days of the disputes, Citi has inexplicably decided to rebill the delivery charge to my card and refuses to work further with me, stating that all future dispute is to be directly with the merchant. I believe that Citi has not acted appropriately with the dispute and is not meeting the intent of the XXXX charge-back guidelines and not meeting the intent of Regulation Z. As a result this merchant is receiving compensation for a service they did not provide.
Consumer complaint received 2015-08-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Blackhawk Network Holdings Inc. (FL)

I purchased a {$500.00} reload pack from XXXX XXXX on XXXX XXXX, 2015 and proceeded to load it onto Reload 's website. It loaded just fine and I went to transfer to my prepaid card as per normal and it did not load properly. Their website was having technical issues. The next day I logged in and my money was missing. 

As you can see from the evidence, the reload pack number in question is not on the transaction history like all the others. Reload 's excuse is " it happens '' I have been in contact with both several times ReloadIt XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and they both keep blaming the other for this missing money. The reload pack number is XXXX and reload pack number is XXXX the XXXX prepaid card number that I transferred it to is XXXX I need somebody to contact these banks and work it out so that I can use of my funds or have it all refunded back to me in the form of a check.
Consumer complaint received 2015-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Management Partners, LLC (TX)

In XX/XX/XXXX, I contacted Financial Control Services about accounts on my credit report. A trade line in the amount of {$840.00}, an account which was paid in XX/XX/XXXX through a settlement from an automobile accident, reflected as a collection account. This account was settled in XX/XX/XXXX by the attorney that handled my case. The trade line continues to reflect on my credit report, The company still has not removed the trade line from my credit report.. The line should be deleted from my credit report as this should have never been reported as a collection account. This has damaged my creditworthiness since XX/XX/XXXX. 

Additionally, this company also reflects other accounts I have no knowledge of. Therefore, on XXXX XXXX, XXXX, I mailed a letter to them requesting verification and/or proof of debts showing on my credit reports as being owed by me. To date, they have refused to provide me with proof and the company has refused to delete the trade lines.
Consumer complaint received 2015-08-10
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I had tried to make purchase in XXXX XXXX XXXX with my XXXX XXXX XXXX credit card in the beginning of XXXX but the card did not work. The card was blocked. I was not given any explanation of the reason. On my own I had put request to Creditor and got the letter from Synchrony Bank, Creditor with such explanation : " PRIOR UNSATISFACTORY OBLIGATION WITH US ''. Why!? And without any explanation. 
Then I put XXXX more request and got the letter that my account was sold to XXXX XXXX XXXX , XXXX. And finally on XXXX/XXXX/XXXX I got the Letter from XXXX XXXX XXXX from which to my surprise I discovered that my balance with XXXX XXXX XXXX was {$240.00} ( original balance {$94.00} on XXXX/XXXX/XXXX + interest and fees ). 
I never got any bill from XXXX XXXX XXXX for this original balance. I never got any bill with notice that I did n't pay in time. How could I pay balance without a bill? 
On XXXX I have paid {$120.00} ( half of my mysterious debt ) during phone talk with XXXX XXXX XXXX, XXXX agent. 
If even the original bill was lost why I never got later in XXXX any bill from XXXX XXXX XXXX. May be the reason was to accumulate fees and interest? 
I feel absolutely upset with XXXX XXXX XXXX policy because I always paid all my bills in time. I do not understand why should I pay for somebody 's mistake.