davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

Collection XXXX XXXX XXXX XXXX XXXX XXXX Called XXXX/XXXX/XXXX, XXXX XXXX left no message. 
I called back at XXXX XXXX and instructed XXXX instructed me they were working on behalf of Second Round in an attempt to collect a debt.I told XXXX not call my number again or any number he may have associated with my name or account. I then provided XXXX XXXX XXXX name and phone number ( my Attorney ) and ask he contact him directly. He said OK and thanked me for calling. 
Today is day two since their first call and I have yet to receive anything in writing from Second Round or XXXX XXXX XXXX XXXX XXXX in regards to any debt that I may owe. Its my understanding that under the FDCPA they must supply documentation by day 5. My  credit report was pulled by XXXX XXXX XXXX on XXXXsoft pull. 

Today XXXX and still have not received any documentation from anyone concerning a debt I owe. 
. 
Today XXXX/XXXX/XXXX Debt collector XXXX XXXX called ( XXXX ) but left no message. 

XXXX/XXXX/XXXX I returned the miss call and they stated they were working on behalf of Second Round and attempting to collect a debt. I told them to speak with my lawyer and gave the info to them. 
I followed up and emailed Second Round informing them they were in violation of the FDCPA for having their collection network call after being advised I had an Attorney and to only call him and no longer attempt to contact to me. XXXX/XXXX/XXXX. My credit report was pulled by XXXX on XXXXsoft pull. 

XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX called. I returned the call advising them that they had violated the FDCPA rule and XXXX comment was that it was a mistake, she was not trying to call me, it was just that I was in their system. She did acknowledge that she had violated the rule. 
Also, today XXXX/XXXX/XXXX, I have yet to receive any documentation from any debt collector in regards to any debt. My understanding is no later than five days after a collection call, its required that the collector send a letter describing the debt. 

XXXX/XXXX/XXXX, yet to receive ANY documentation. 

XXXX/XXXX/XXXX pulled credit report and noticed recently Second Round had placed a collections account and derogatory mark on my credit report causing my score to fall 22 points. Again, I have never received any account info, debt owed or any other communication from a debt collector in writing that I owed this debt. 

As noted, I believe Second Round ( the main collector ) violated the FDCPA by calling after advising them of my Attorney and providing his contact number. I also believe my rights were violated when five days expired and I did not receive any documentation following their calls. Today ( XXXX ) I have not received one single letter from any debt collector including Second Round, XXXX XXXX XXXX XXXX or XXXX XXXX in regards to any debt whatsoever.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have filed a complaint more than 30 days once again I 've been disputing inaccurate information for almost 5 months and still have n't received any verification from credit bureau or companies, under the fair credit act they have 30 days to respond or it should be deleted off my report acceptance now, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are reporting charge off these accounts are no  longer accountable the debt was sold and written of on taxes therefore u can no longer come after the person, and XXXX XXXX never was I late, I also have mutilple hard inquiries that were added back to my account I have not applied for any loans or credit card so please remove all non account holding over 30 days old this is about my third complain yet not to mention have n't received any information or verification
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. ()

My problem is that equifax does not rate my score fairly XXXX is a XXXX XXXX is a XXXX and I was told my equifax was XXXX however when my credit union pulled my score it come back as a XXXX causing me not to be able to finance a thing I dont understand how my score can be that many points off from the other I feel equifax is not being fair with me I disputed negative items with XXXX they removed however equifax XXXX remove nothing even XXXX I have written proof.
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Dream Center Education Holdings (TX)

I have been attending XXXX University XXXX XXXX Georgia since XXXX, and I have been having issues with the financial aid services at this particular school. When I first started the college, I was told that I would be enrolled they were charging me around XXXX every five weeks class, so when it was time for the money to be released to the college and myself, I notice things started changing. I called and they would give me an excuse about, that I didnt have all my paper work in in time so they could n't give me the remaining funds. I as was the money returned to my lender and they said that it would be used on the next quarter, but when the next quarter came, I never saw the funds and it was no longer on my account balance in the positive. I called the XXXX XXXX and asked them about it but they had no documentation showing where they sent the money back to them and this has happen a few time since I have attended XXXX University. I went and read some complaints about the college of some students who were having the same problem as well. When I contacted fasfa to ask them about how much money was given to the college, it was not adding up, so when I asked my financial counselor about it, she asked me did I receive a amount for {$1500.00} and I told her no, so she got really quite and changed the subject. I was wanting someone to check into this because I believe that they are keeping a lot of the money and that scares me because I do n't want the money that I have to pay back to be misused by a college or them robbing me blind. I thank you for your time.
Consumer complaint received 2017-10-27
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: Experian Information Solutions Inc. (SC)

Experian Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,
Consumer complaint received 2017-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am a long time customer ( 7yrs ) of XXXX XXXX XXXX which recently became Huntington Bank. I had two safe deposit boxes. I went into the XXXX office on XXXX XXXX XXXX XXXX, Ohio XXXX on XX/XX/XXXX to make my payment to renew one of my safe deposit boxes. I was assisted by the Teller Supervisor that day. She took the payment for the amount of {$150.00}. The funds were  transferred from my savings account to pay for the renewal of the box I decided to keep. I mistakenly left the key for the box I was closing. The manager told me to bring it back later. I returned to the branch approximately two weeks later with the key. I emptied the box I was closing. I also asked for entry into the box that I paid to keep. Again, The teller supvr assisted me on this day. I handed her the key because she stated that she needed to make sure everything was out of the box. I never handled the key for the closed box again. I have been receiving late notices for the box that I closed. I went to the branch to have a conversation regarding this but was treated badly by one of the Branch Relationship Banker II. She told me that she could see the withdrawal but could not see the money applied to the box. I have taken copies of the receipts ( dropped in the night deposit box ) but still they are denying that the payment was made and they are also accusing me of not returning the key. I have tried numerous times to speak with the Branch Mgr XXXX XXXX but she is not responding to my need for resolution. She leaves messages but does not indicate any resolution. My concern is that they have this bill marked as 90 days late. I miss the courteous and sincere treatment that we were given by XXXX XXXX. This is a simple problem that should have been handled w/n a few days.
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.
Consumer complaint received 2017-10-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Bureau of Carbon County (TX)

These people whoni have no contract with continue to call and They have failed to produce the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo personal banking issues -- Personal check had a posting date of XXXX, bank cashed it early on XXXX - Called XXXX customer service, they told me the do not look at the date on the upper right section of the check. Then I asked why is the date on the check to start with then. They said the date was not looked at, if it was blank they would still cash it. Four things make the check legal tender : dollar written amount, numeric dollar amount, signature and date. It seem the are not looking at the date. 

In addition, the check was not made to cash, it was written to a person, fund should have not be pulled out same day. 

-- My point was check was just like cash, the money taken out of account XXXX hours after it was written NJ XXXX banking account # XXXX XXXX/XXXX/XXXX CHECK # XXXX -- {$200.00} They changed me over draft fee and hit my CC for cash on XXXX. On XXXX there was {$1900.00} in the account on XXXX. 

XXXX wound not reverse or push the transaction back to XXXX, saving me the feeds a overdraft protection. 

I am looking for remedies.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

A Wells Fargo credit account was opened in my name without my authorization. The company expressed to me that after an internal investigation it was not going to take any responsibility for the fraudulently opened account because it asserts the account was opened through the mail, and its bankers had nothing to do with opening the account. It further asserts if I did n't open the account then it must have been a third-party identity thief. However, I received the card in the mail, shortly after a Wells Fargo banker had contacted me by phone attempting to sell me the product, which I declined. No fraudulent purchases were ever made on the card. Furthermore, the company has refused to explain how it came to the conclusion the account was opened by mail either by myself or a third-party identity thief, and it has refused to provide any documentation that would serve to bolster or prove its claim, including a copy of the application.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I use to have a credit card with XXXX XXXX XXXX .They have been reporting for several years that I was late on payments which I was not.I paid the account off in full and they are reporting it as a charge off.After 2 years of trying to work with them and a Verbal agreement that they would remove the damaging " Charged off '' status..They have not. 
I demand that they remove the charge off from my credit reports.The account is at a XXXX  balance and this is constantly damaging my FICO score.
Consumer complaint received 2017-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Around XX/XX/XXXXI was contacted by XXXX XXXX XXXX with a program to consolidate my student loans. I signed up, paid an upfront fee and then {$50.00} per month as the program stated after so many years of paying my loan would have {$0.00} balance. In XXXX, I learned that this company did not consolidate my loans and did not make monthly payments on them. They changed my contact information to an address and phone number in California, which I was unaware of. My credit report shows that American Education Services has or had my federal student loans but when I inquire they said that my account number does not exist. Fedloan servicing, now handles AES loans and I contacted them with what had happened. They said that I would just need to log into my account and see if I would qualify for one of their programs. Every time I attempt to log into the account it automatically generates a forebearance request. CFBP filed a law suite against Student Loan Servicing in regards to this and that consumers affected would be contacted. I was never contacted and I am not sure who has my federal loan.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (WA)

Signed up and used XXXX XXXX XXXX credit card and was charged interest and late fees even though I made electronic payments through my bank on the due date indicated on the Billing Statement ( or the last working day prior to the due date if it was a weekend day ). 

I contacted American Express about this and the first time they reversed the interest change and late fee, the XXXX time they refused to reverse the late fee. I was given various reasons about why this happened but nothing I was told ( like I needed to send payment earlier than the due date ( should that be XXXX day or XXXX week or XXXX months prior ; made no since to me since I have always paid my bills on the due date without issue until now ). 

Resolution for me was to cancel the account and pay a final interest charge ( they had a very imaginative description for this charge ). 

This feels like a very predatory business practice that should be stopped.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have factual documentation regarding a dispute I filed with XXXX XXXX XXXX creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my XXXX XXXX has dropped substantially XXXX XXXX to the XXXX 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else. 

I also established online automated transfers, which later required me to submit my signature through the mail which I did. 

On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.
Consumer complaint received 2017-10-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prospect Recovery Solutions LLC (CA)

In XX/XX/XXXX there was a loan taken on line using my personal information. When I found out about it was when a collection company called me and I stated that it was due to identity theft they called me a liar so I got in touch with the company where the loan was taken out and explained that it was due to identity theft. I forwarded them the police report and informed the credit bureau and I had to get a freeze on my credit and life lock. 
A week ago this collection company called me and threatened to garnish my wages and it put stress and fear in me. On XX/XX/XXXX they called my brother and told him they were looking for me and if I did n't pay this loan I would go to jail. XX/XX/XXXX I called XXXX XXXX to speak to them about this and I told them that the credit consumer bureau told me to lodge a complaint they said not to do that. And that they had nothing to do with the collection company. This is causing me to become sick from XXXX   at being harassed by this company. XXXX XXXX XXXX XXXX The amount they are stating I owe is over 1600.00 dollars. 
I have all the proof stating this is identity theft from the sheriff in XXXX, California
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

There is an unverified account reporting on my credit reports with XXXX, XXXX, and Experian. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as XXXX, XXXX, and Experian to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.