davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

With correspondence dated XX/XX/2015 ( see attached copy of letter XXXX, Midland received my request for validation for an erroneous account I had found them reporting on my credit report. They failed to respond to my request with any sort of validation and have continued to report the account on my credit report. This is a flagrant violation of the FDCPA.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I just find out that I have an account in collection without my knowledge and also received some collection calls on my cell every hour of the days. I am getting treated and intimidate by this calls. I already filed one time for Bankruptcy and I regret it. I do n't want to have to contact an attorney and filed a complaint about this calls.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MN)

I tried to make a payment on-line and got an error message. I called and was on hold for over 16 minutes. When the representative answered, she refused to assist me stating that I was not an authorized third party on the account. I explained that I was authorized as I was on the Deed, techinally and legally, that makes me authorized. She then proceeded to put me on hold again, and transferred me to another representative who could not help me the issue of making a payment and again stated that I was not authorized on the account. I am and you are in the wrong by refusing to note the account as such. I asked to speak to your legal department and was not allowed so I then stated that I would be filing a complaint and your representative did not care. She said she had done her job. I beg to differ. I suggest you check your answers and legality of them and authorize me o the account. Your previous representative did after I say on hold for twenty minutes, is this what I should expect each time I call in?
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (GA)

I was involved in a car accident in XXXX of 2013. I was not at fault and the other driver 's insurance was to pay all medical expenses. The insurance company was XXXX and all expenses were paid in full. The collection angency has been in contact with me multiple times and each time I inform that that I am not responsible for this debt and they should contact XXXX. I am then told that it is my job to contact XXXX to collect the debt. I did not handle any of the paying of the other medical bills as all bills were paid directly paid by the insurance company. I then offered to pay the balance in order to remove this from my credit and they told me that I was irresponsible and they would not remove it even though I am paying a debt I am not liable for. This amount is affecting my credit score for an incident that I should have no part of.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (AZ)

The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

I was just recently notified by the credit bureaus that a collection was put on my reports from a collection agency on behalf of XXXX. this was done about a year ago and I had to go through tons of paperwork back and forth to prove it was not my debt. It caused havoc on my credit repair. Now they have done it again with the same debt. My credit has been destroyed!!!! Over a XXXX points down!!! I thought the law said I must be contacted before collections were added. Why aren't there fines for hurting consumers?
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (RI)

I called Experian today because I got a credit report in the mail that I did not order. Experian told me I was a member. I told Experian I was not aware of this. Experian previously forced me to pay {$1.00} for my credit score. In paying for this, Experian took my credit card information and charged me a membership fee. Experian assures me this information was somewhere in the fine print. I conducted a XXXX search for Experian credit score scams and apparently several people have also been tricked by this. Please help us consumers to stop being scammed by companies like this that are supposed to be here to help the consumer and not rip off the consumer. None of us deserve this.
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I made a deposit at an ATM for {$300.00} at XXXX Pacific Time. The deposit was still pending the following day and did not credit to the account. I was charged XXXX overdraft charges of {$34.00} each as a result. I call Chase and they ssid the system on the east coast said the deposit was made at XXXX Eastern Time. My ATM Receipt shows a deposit time of XXXX Pacific Time exactly.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (IN)

On XXXX XXXX, 2016, I received a phone call from SLS who is servicing my mortgage. They called to inform me that I had not made the XXXX payment. After consulting with my wife, we realized that we had not gone online to make the payment as we normally do. For the first time in 13 years, we missed it. So, I told them I wanted to get caught up and could give them payment information over the phone. She took it and then offered to set me up on EFT. I agreed and gave the corresponding account numbers. After I provided all the information, she told me the account would be up to date within 24-48 hrs and then on EFT going forward. On approx. XXXX XXXX, I received a notice from SLS that my mortgage was going into default and I called them immediately. I was then told that my account was not set up on EFT and they had mailed a notice to me in XXXX. I never received a notice in XXXX and assumed my account was functioning as we had set it up. First, I told them to take two payments and get my account up to date. They agreed to waive the late fees, but I was still not happy that they had removed my account from EFT after we had set it up. They told me there was n't enough time to get it set up for the XXXX payment, but that they sent me notification in regards to that payment. Again, I never received anything in the mail to this effect and was not happy they did n't bother to call. They called me in XXXX when it was late, why did they let it go for nearly two months and not call me again? Why did they rely on the mail when this is such a serious matter? The representative kept telling me they did their part by mailing the notice and I told them it was irrelevant because I never received it. I was also concerned they were going to ding my credit so I asked about that. They told me it would be reported so I requested to speak to a manager. As far as I 'm concerned it was their fault the payment was late and since I would expect to call when a payment is missing as they did in XXXX, they should have done it again in XXXX, especially after telling me I 'm set up on EFT. She said their was nothing they could do about it and it was not their fault. I take great care in watching my credit and this is completely unacceptable to me. I did nothing wrong and they have inconsistently applied their follow up procedures. To my surprise on XXXX XXXX, I received a letter in the mail stating that my account had been removed from EFT. XXXX XXXX!!! Nearly two months after they said they mailed it. I want the credit ding rescinded from my account or I would like to know what my legal options are. I have already moved my account to another mortgage company, but this remains unacceptable.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (VA)

Re : XXXXThree years ago, I was XXXX. I purchased XXXX domains in the name of the company and personnel. I made the mistake of leaving my credit card number on the account and the company did not change it. My name appears nowhere on the account, I can not log into the account, yet with my credit card number on file, they billed the card on XXXX/XXXX/15 for {$29.00}. I had not received a notice of renewal, in spite of the American Express card having expired. I called them numerous times pointing out that the account was not mine, I could not login to change anything, and I do not wish to renew the domains. I was assured by " XXXX in Billing '' that the expired credit had been cancelled from the account. On XXXX/XXXX/15, another " receipt '' from XXXX, this time for {$280.00}. Again, I called American Express to dispute the charge and placed a block on any future charges from XXXX. I also filed a complaint with the XXXX, AZ Better Business Bureau. I then called XXXX to find out why they had charged a cancelled card, only to find out from " XXXX in Billing '' that the card had been " renewed, '' probably by American Express. When I asked for the expiration date on the " renewal '' the date " XXXX '' provided was incorrect. " XXXX '' would not acknowledge the assurance from " XXXX '' and refused to remove my credit card number from the account without my providing another or that I contact the account holder to tell him provide a card. Following this, I contacted American Express again, this time requesting a fraud investigation since they had not, and would not, alter anything regarding a cardholder with any company without my permission and action. That can only mean that XXXX altered my credit card data on their account, which amounts to pure and simple fraud. XXXX insists that a " Protected Registration '' holds my liable for full payment since my credit card is on the account - but I am in no way involved in the account or company, and the card has expired anyway. They insist that I have to contact the name on the account, in spite of their holding all of his contact information, to get the account cancelled. I have now had to cancel the card and go through the process of resetting auto-debits to that card. A genuine nightmare!
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY ()

HI hope you doing well! 
I am XXXX XXXX of XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX and seeking help with American express I have been an American express customer since XXXX The first problem I encountered was when overpaid my " Card XXXX " of {$160.00} They wo n't refund me the difference saying it was my mistake. 
This letter is n't about that but rather about recent phone calls trying to setup online payment for a new Amex credit card XXXX with a different bank account I have been refused monthly statements and online access. 
America express does n't seem to have specific department to file a complaint They seem to only allow phone conversation for which customer are n't told Amex agent name And once they hang off the phone it is impossible to track down the issue since Customers are n't given the extension number of American express agents So, the customer does n't have any record of that conversation for future reference or as evidence in case of dispute. 
The only way is to record it with a device but would need to get transcribe in order to be use as evidences. 
Eventually it resulted in hours of conversation for no result at all I have been calling them every month for the last 15 months with absolutely no result Asking for credit Card statements and never received XXXX single statement ever since I applied for the new card. 
American express is n't in compliance with Credit CARD Act " XXXX " Section XXXX requires card issuers to establish reasonable procedures to ensure that periodic statements are delivered at least 21 days before the payment due date. In addition, an issuer can not treat a required minimum periodic payment received within that period as late for any purpose I tried to ask access to online statement but never been able to get someone to get me access for my new Card " 15 months old now " Not having any statement or the physical card it makes it impossible to pay the balance with another account which I wanted to do as soon as the interest rate went up It might a way to keep the customer out, so the customer wo n't be able to complete payment transaction and they think that would justified an increase of their interest rate as consequence.???? 
" It is like paying the rent for an apartment and not been given the key to get into the place. '' On Thursday and Friday XXXX XXXX XXXX I spent a total of 3 hours on the phone with American Express After which still do n't have access to my account and as a result prevented from making payments and to see monthly statements. 
I am not longer seeking another phone conversation with American express I would like to have a written conversation instead An address for my to file the claim Thank you very much Looking forward to hear from you Regards, XXXX
Consumer complaint received 2017-01-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Designed Receivable Solutions, Inc. (CA)

I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (PA)

On XXXX/XXXX/16 I visited my local XXXX and made a purchase of {$21.00} on XXXX and XXXX. The transaction has shown it has cleared in my transactions yet, American Express Bluebird is stating they have an agreement with " XXXX '' to hold transactions for 8 days until they clear. I repeated to the representative the transaction already cleared, and he just told me it was due to XXXX.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CO)

Issue : Navient blocked my access to my account upon learning I am attempting to apply in the USGov Income-Driven Repayment Plan. 

The company is currently being sued for illicit business practices. This reinforces my belief the problem falls within the frame of that sphere. 

Below is a simple timeline that illustrates NAVIENT withdrew access to my account directly after the company learned ( and therefore because of ) my desire to enrol in the government-provided student loan repayment plan. 

**** EMAIL : XX/XX/XXXX : Service Loan Provider, NAVIENT send an email my Quarterly Interest Statement is available. I follow instructions and log in to my account via their website. 
**** EMAIL : XX/XX/XXXX : Email from NAVIENT they received my application from Student Loans.Gov for Income-Driven Repayment. 
*** XX/XX/XXXX : I discover my login credentials to NAVIENT do not work. Finally, I log in and am direct to a page with a message that my account has been disabled. 
*** EMAIL : XX/XX/XXXX : Email to NAVIENT are returned with following info : Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction.
Consumer complaint received 2016-09-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I have a house located in XXXX PA, my ex wife and I got divorced approx. 3 years ago. XX/XX/XXXX we placed a our house on the market to be sold, the process was going to be a short sale. The mortgage lender is Wells Fargo. The realtor is through XXXX. I had a buyer with in a week of it being on the market. The buyer agreed to pay XXXX and had a third party appraisal, appraisal came back at XXXX was appropriate. Wells Fargo did appraisal of XXXX. The realtor did comps in the area and XXXX is appropriate. The house needs work and XXXX is too high. I have documentation from other realtors stating the XXXX price is too high. Please see the attached documentation. Wells Fargo is demanding the house to be sold at XXXX and if not they re going to proceed with foreclosure. Wells Fargo is double dipping if it goes to fore closure. The have insurance for this reason then they ll turn around and sell the home. Also I work for the government and being this is a FHA loan its going to effect my employment. All this because Wells Fargo is refusing to expect the area prices of the homes in the area and is holding me hostage on a price that is unable to be achieved. The communications between the Wells Fargo and the realtor and the seller is horrible. They have dragged this out for approx. 6 months just to push into foreclosure is not right.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ARVEST BANK GROUP, INC. (KS)

All around XX/XX/XXXX hard inquiries XX/XX/XXXX popped up on my credit report that i did not arthories they tell me to call the creditor the creditor say theres nothing they can do and the credit burea say the same
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY (NJ)

my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 


XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX