davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

This company is reporting an account on my credit reports that they have refused to verify with me. The company is stating I owe money to XXXX when I do n't. I sent them a validation letter in XXXX 2015 and they responded back asking for more information to identify my account with. I provided them with my name, address, and even a copy of my credit report but informed them I would not be sending them my ssn through the mail for security reasons. They never responded. I sent them a XXXX follow-up letter to which they still never responded. Lastly I sent them a letter demanding removal of the item which they received on XXXX/XXXX/15 and they still have not removed the item but yet continue to verify this with the credit bureaus. This company is in clear violation of the law as they have 30 days to respond to my request for validation and they have yet to do so. I am considering legal action if this is not promptly resolved because it is damaging my credit. By law a company can not report an unverified debt and that is exactly what this company is doing.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Credit Collections Service The funny thing i that they are collecting for nothingwhich was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all three credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.
Consumer complaint received 2024-10-15
Product: Credit reporting 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 ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, 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 consists of A credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned account, collections are 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 all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Consumer complaint received 2015-06-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to " XXXX '' and " XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, " We are no longer having overdraft fees. " I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL (OH)

There were XXXX charges for {$590.00} from XXXX on my XXXX cc. I contacted the cc company and they told me they would take care of it. We canceled that Platinum card and I was issued a new Rewards card, but not a Platinum.The charges were reimbursed on my XXXX statement. I received a letter on XXXX XXXX saying the " were unable to accept my claim for the following reasons : 1-cust. benefited from use of card/participated in the purchases ; 2-Cust released acct info to third party and 3-cust. accepts responsibility for the charges. '' I called them that same day and asked for a re-investigation. A lady called me on XXXX XXXX and said they were not going to take care of the charges and the next day ( XXXX ) I recd my bill and there were the charges ( again ) {$590.00}. I DID NOT MAKE THESE CHARGES. I then contacted XXXX and because it was over XXXX days, they would not do anything about it. If I had KNOWN the cc company was going to deny my claim, I would have contacted XXXX. The cc company said " they would take care of it '' so I believed them and let them. Now I am stuck with {$590.00} in charges I did not make. Can you help?
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NH)

I got results on XXXX XXXX 2015 showing accounts no longer reporting my equifax credit file. I have attach the XXXX XXXX results. A month or two later the accounts showed back up on my credit report. As per FCRA if items get reinserted I need notification within 5 days I did not get that. Violation of the FCRA. Either remove the items or the next letter will be from a attorney with a lawsuit and owing me money. I have tried disputing mult times with no luck. 
Here is what the FCRA says about reinserting, i ) If any information is deleted from a consumer 's file pursuant to subparagraph : ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause : ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (NC)

I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment.
Consumer complaint received 2015-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc. (MI)

Good day, In XXXX of XXXX I found that the Franklin Collection Service , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MS XXXX, had placed on my credit a notice of collection from XXXX XXXX XXXX for a debt of {$73.00} that is not mine. I contacted them immediately as soon as I found out about the collection attempt. Basically, they are requiring me to prove that the debt is not mine. 

To date, they have refused to remove this erroneous collection attempt from my credit record. What follows is a recent email that I sent to them : '' To Whom It May Concern, On Saturday I received from Franklin Collection Service , Inc. a copy of an XXXX invoice dated XXXX XXXX for an address in XXXX XXXX, Michigan with my name ( or another XXXX XXXX ) on the invoice. Know that I have lived at my current address in XXXX, Michigan for THREE YEARS beginning in XXXX of XXXX. My current address is XXXX hours from XXXX XXXX, Michigan. 

Prior to that I lived in XXXX, Michigan from XXXX XXXX to XXXX of XXXX. Prior to that I lived in the XXXX, Michigan area all of my life. I have never lived in XXXX XXXX, Michigan or even in XXXX XXXX, nor have I owned or rented property there. Clearly someone has used my name to initiate service at an address that I know nothing about. I have never requested service there, signed anything asking for service there or given anyone my permission to do so. 

Unless you are able to produce documentation showing that I initiated service at this address in XXXX XXXX, Michigan you are obligated under the Fair Credit Reporting Act to remove the derogatory information that you have erroneously placed in my credit file. My next act will be to file a complaint with the Federal Trade Commission. 

Thank you in advance for your prompt attention in this matter. Please respond to me within XXXX hours indicating how you wish to proceed. If I hear nothing by the end of the week I will file my complaint. " At this point I am frustrated as I am also attempting to secure a mortgage and this issue is causing significant problems.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was approved for a Capital One Quicksilver Rewards Card. The cards came in the mail so Icalled to activate it. The lady on the other end said I had a bad connection but continued our conversation. I was on a landline so a bad connection was not likely as I use this phone daily and I could hear her perfectly. She asked could she call me back at another number. So I gave her my cell and she called back in about 20 seconds. Into the conversation and after several questons that she could not pronounce well enough for me to understand she tells me that she ca n't activate my cards because she is not talking to me on the number listed on my account, but she is the one that called me. She tells me I have to send in documentation to prove who I was. I called back on Monday morning and talked to a supervisor and she told me the same thing about sending in documentation. I had the supervisor close the account. I understand their fraud protection guidlines, but they went above and beyond to treat me like a criminal. The strange thing is she trusted me enough from the information I gave her to close the account but, not activate it. I do n't appreciate it and would like for others to be wary of Capitol One.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Mullooly Jeffrey Rooney & Flynn (NY)

I had XXXX XXXX XXXX XXXX. 
I defaulted on the card because of XXXX change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX LLP have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on Social Security XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given 20 days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (FL)

There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Waiting for each agent to respone to my complaintXXXX transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX of 2015 Capitol One Bank sent me a letter that notified me about my bank accounts being closed. Letter referred to their Rules Governing Deposit Accounts. On XXXX XXXX of 2015 I received another letter from Capitol One Bank saying that they " Had observed activity on a past or presentCapitol One account that is not consistent with their expectations of usage for personal, family or household purposes ''.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent information on my credit report. The following account appears on my report without my knowledge or authorization, and I suspect it was added as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account was fraudulently opened and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) and California state law, Experian is required to remove fraudulent information from a consumer 's credit report within four business days of receiving notice of the identity theft. As a blind individual, these errors are causing me significant hardship and are a violation of my consumer rights. 

I have provided all necessary documentation to substantiate this claim and request immediate removal of this account from my credit report. Failure to address this issue promptly is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ) and California Consumer Credit Reporting Agencies Act ( California Civil Code 1785.16 ).

Please confirm the removal of this fraudulent account from my credit report and provide me with the method of investigation used. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2015-10-21
Product: Credit card — 
Issue: Other — 
Company: BMO Bank, N.A. (CA)

On numerous occasions during XX/XX/2015 Diner Club Credit card hastaken an inordinate amount of time to post the monthly balance pay-off to our account. Generally waiting until after the duedate has past. When Customer Service was query more than3 time during XX/XX/2015, Service personal gave the preverbal the Post Office must be to blame. The demonstrative facts are quitedifferent ... 
Twice document, XX/XX/XXXX and XX/XX/XXXX, on the day the payment was due, and 15minutes before close of their business day ( PDT ), Diner Clubclaimed the payment was not yet received, yet XXXX ( EDT ) thefollowing day the payment was not only received by Diners, but posted to the account, and had cleared our checking account the nightbefore. As you can image this must be magic, how during theirbusiness day they have no real time information, but our check canarrive, be processed, posted to our account and miraculously clearour checking account, the night before. Sounds like very sloppyaccounting work flow and at the very least poor customer service.
Consumer complaint received 2015-05-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc (IA)

Harley Davidson Financial has been calling me everyday all day repeatedly. I called them and made payment arraignment. They are still calling and harassing me. I told them that they are harassing me and they said according to my contract that they are allowed to call me up to XXXX times a day. I told them by law it is still harassment and they called me back again.
Consumer complaint received 2015-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (MA)

I 've reached out to the debt collector for something that shows on my credit report, but they will not respond. I 've disputed the reporting of this debt to the credit bureaus twice, and they mark them as valid. However I still have never received something from this collector, nor have they responded to my request for more information.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Debt was written off by the company. Now the debt collector is attempting to collect the starting balance. Why should I pay a debt collector when the company has written it off as bad debt? 
They are calling my husband as well and he did not own the account. I put his name on my savings when I had money in the account.