davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Xtreme Products LLC (GA)

On XXXX XXXX, 2016, USA Student Loan.org contact to me, stating that my name was selected from a low income database to see if I qualified for student loan reduction or to get it totally paid off. The Rep was named XXXX ( no last name ). What really convinced me that this could be legit it because, he even mentioned that he was in the same area that I was from and called out some of the areas that I was familiar with. After retrieving my information from the XXXX website and final consulting, he said I was approved for 100 % of my settlement. But, I will have to pay {$590.00} in full or in payments for the next 5 months. I have tried to contact them to check on the status of the process and no one answers the phone. I am convinced that this was a scam.
Consumer complaint received 2015-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (WV)

*THE BELOW LETTER WAS SENT TO ME AFTER MY " BB & T. BANK '' ... .***REFUSED TO PLACE THEIR BANK SEAL ON THE BELOW : PDF : XXXX. 
PLEASE ASK THEM WHY? THEY WOULD " NOT '' VERIFY MY SIGNATURE, SO THE ''TREASURY DEPT. '' SENT THE BELOW LETTER, TO ASK ME TO GET MY SIGNATURE CERTIFIED. 
QUESTION : DOES ''BB & T. BANK '' TREAT ALL XXXX VETERANS LIKE I HAVE BEEN TREATED AT THEIR BANKS..? OR DO THEY BELIEVE THE FRAUD THAT WAS COMMITTED AGAINST ME..? WHILE I WAS LIVING IN XXXX OVER THE LAST FIVE-YEARS..? 

ALSO ASK " BB & T. BANK '' WHY..? THEY REFUSED TO PLACE MY NAME AS A CO-OWNER OF MY WIFE 'S SAVINGS ACCOUNT ... .. ( despite us having a JOINT CHECKING ACCOUNT together..? 
ALSO ''BB & T. BANK '' REFUSED TO HONOR MY REQUEST WITHOUT TELLING ME ANYTHING..? AS TO WHY..? THEY DID ''NOT '' HAVE ENOUGH RESPECT TO NOTIFY ME, THAT THEY WERE ''NOT '' GOING TO LET ME OPEN A XXXX-EDUCATION SAVINGS PLAN FOR MY XXXX OLD SON. 
**THIS ALL GOES BACK TO THE FRAUD THAT HAS BEEN COMMITTED AGAINST ME, ON ALL XXXX OF MY CREDIT REPORTING AGENCIES .... ( WHICH HAVE BEEN TAKEN OFF OF AT LEAST XXXX OF THE CREDIT AGENCIES ), like I requested. 

The Account Authorization ( PD F XXXX ) submitted is unacceptable as the form was certified. Therefore, we must ask that you submit a new form with your signature properly certified. 
Please note that the form 's instructions to the certifying officer state, " Acceptable certifications include the financial institution 's official seal or stamp ( such as corporate seal, signature guarantee stamp, or medallion stamp ). '' Notary public stamps are unacceptable. Please have the bank place their official seal on the form to certify your signature. If the financial institution does not have an official seal or stamp to use when they certify a signature, they may use the savings bond paid stamp that they normally use when cashing savings bonds for a bond owner. We may accept : Acceptable Certifications : *Signature/Endorsement Guarantee Stamp*Medallion Stamp*Official Bank Seal/Stamp*Corporate Seal*Consular Seal*A commissioned or warrant officer of the United States Armed Forces may certify the signature. 
If there is any further questions you can have your bank contact our office. 
Thank You, XXXX
Consumer complaint received 2015-09-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (MD)

I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (WA)

I received a collection notice in early XXXX XXXX from The Receivable Management Services Corporation ( 'RMS '' ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX alleging an unpaid debt to XXXX for a hotel reservation in XXXX XXXX. I had completely resolved the issue in XXXX XXXX with customer service at both XXXX and my credit card company. After receiving the collection notice I again confirmed with XXXX that my account was in good standing. XXXX stated that they did not utilize third party collection agencies. 
The notice from RMS contained reference numbers that XXXX was able to use to look up my reservation. Somehow RMS has improperly gathered details of my hotel reservation without communication with XXXX. This is a fraud.
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Recovery Services, LLC (LA)

RECEIVABLE RECOVERY XXXX - I have no record of any contact from this company regarding a small {$310.00} medical bill. They have placed a delinquent notice on my credit report. I moved recently and it 's very likely they sent bills to the wrong address.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

I spoke with Equifax employee XXXX from the XXXX team on XXXX/XXXX/15 around XXXX to XXXX this phone call was recorded so you can go back and listen exactly what he told me. I asked him how do you receive this information from XXXX XXXX XXXX XXXX because they can not verify this information with myself the company does not exist. I was told that the investigation was only that the Collection company had to do was answer yes or no if the collection from XXXX XXXX XXXX XXXX was mine, there is no checking of social security numbers or address etc. XXXX himself said he gets a lot of calls from other consumers stating that this is not believable and more should be done to investigate disputes. Is this how disputes are conducted by Equifax? This to me does not meet the requirements of FCRA 611 ( a ) ( 1 ). Then I started to conduct my own investigation on Equifax and found out they are paid from companies to place these collections, no wonder they do n't want to investigate the accuracy, a simple yes or no is all it takes. I will be filling a complaint on Equifax and the collection company XXXX XXXX XXXX XXXX to the ILLINOIS ATTORNEY GENERAL OFFICE XXXX XXXX to see if I can get help to file a lawsuit or a civil suit on both companies. I will also start a social media page to see if any other consumers have had issues regarding this matter
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I submitted complaint on Wells Fargo. It seems like the only difference is Wells Fargo continues their deceptive practices right under this agencies nose. I have been sending the same documents to them for close to 5 years now, to no avail. It is obvious to me that no one is going to dig deep enough to expose their deceptive practices.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (ME)

Experian is the only company of the XXXX that require supporting documentation such as drivers licenses, utility bill copies etc to be filed with them to establish or renew a 90 day fraud alert. If XXXX and and XXXX can accomplish all that online why not Experian? Their requirements could easily lead XXXX to believe they are attempting to make the process difficult as possible with the hope that consumers will just abandon placing an alert. Alerts, to my understanding, if filed with XXXX company are to be shared with the remaining XXXX agencies but that does n't always happen. Why ca n't the process be, made easier ( this is not concerning myself so much as other filers in the household )?
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2015-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

Our mortage was thru, XXXX, green tree took over the management, and continues to harass us, and threaten us, with civil action, consistent with their recent court loss for these same practices. They say we owe them money from non payment which is false. They have tried to modify our loan payment, and until recently called, daily, threatening us. 

We are current on our pay, mets. And have never missed a payment with them. What did happen is this. In/on XXXX 2014 we made our payment to XXXX. A day or two later we received a demand letter telling us, that green tree was now our mortage handling company. I forwarded a letter explaining that I had already made my payment to XXXX, I recently went to my credit union and retrieved the paper work, proving payment to XXXX, and forwarded that paper work to green tree. After providing proof of payment, we continue to receive demands for late payments, and they keep charging us late fees, for our payments, which were made on time, every time. 

I do not appreciate gree trees aggressive tactics, and am aware of their recent court loss of XXXX XXXX for this very same tactics. I have XXXX intentions of paying more then my mortage payment, or paying alledged late fees, for payments made on time, monthly. 

XXXX XXXX
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Universal Recovery Corporation (CA)

My husband had been contacted on XX/XX/XXXX and XX/XX/XXXX in which a message was left on his phone for me ( XXXX XXXX ) to call XXXX at Universal Recovery Corporation. On Monday XX/XX/XXXX I received a letter that I owe {$300.00} for a {$75.00} returned check. On XXXX/XXXX/2015 XXXX called my husband again but this time he answered and when he told her I was unavailable she continued to tell him about the money I owed, threatening a lawsuit and to ruin our credit, and then she brought up our XX/XX/XXXX bankruptcy. When my husband told her that he did n't think it was legal to be talking to him about my debt she became hostile and said " it 's legal in California ''. I have tried to resolve this debt, but any time I ask a question she just raises her voice and says I have to pay the full amount, its the law. The first contact received was on XX/XX/XXXX, so I do n't see how I can owe 3 times the delinquent amount.
Consumer complaint received 2015-09-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

We filed a bankruptcy over 15 years ago, and a Capital One card was included with this bankruptcy. We had other accounts with them that were paid off and we closed out. In XX/XX/XXXX ) they sent us a letter for collections purpose, I sent them a XXXX Letter soon thereafter, we had never heard from them until today XX/XX/XXXX ( XXXX ) Statue of limitations in Ohio is six years! We thought this matter was resolved, but now the phone calls have started. We want this resolved, since the bankruptcy is gone from our credit records, we do n't have any copies of our filling. Want to know what we can do to stop these calls and threats to pay!
Consumer complaint received 2024-11-14
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. (TX)

I am filing a complaint regarding unauthorized inquiries on my credit report that were not removed despite a prior dispute letter submitted over 3 months ago and the submission of an FTC Identity Theft Report. These inquiries lack a permissible purpose under the FCRA, as no credit transactions, employment, insurance underwriting, legal orders, or other legitimate business needs exist to justify them. 
List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Since the creditors failed to provide verification, I formally request the immediate removal of these inquiries. Please confirm their deletion to ensure compliance with the FCRA.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2015-09-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I was unemployed for the past 4 months. In that time I was unable to make my monthly payments and called Navient several times to attempt to make some kind of payment arrangement/postponement to avoid my account becoming past due/delinquent. XXXX sympathy and XXXX payment arrangement options were available. I got a job a week ago, called today to make another attempt to bring my account back to current. Spent a total of XXXX mins. on the phone being transferred around!!! Not even waiting, simply being transferred. Only to be told that they ca n't do anything for me this month. I am now working 12-13 hours a day and now have to find a time to call back next month to set up payment arrangements since that is when I will be able to start making payments again. Navient is a Mega corporation -- they ca n't postdate a payment for 2 weeks from now because it 's the wrong month?!! Every other company I have any interaction with does! 

In addition, the reps all have given different and contradicting information every time I call. One rep will tell me I 'm available for this program and not that one, and the next time I call I 'm told I am ( without anything having changed with my financial situation ). Also, one rep told me I could not change my payment dates when I asked to move my due date to the XXXX of each month because the XXXX was too difficult to manage since it 's only two days after paying rent -- today I called, and the rep I spoke to said I could do that no problem. That is a not so minor detail that could have saved me many late payments in the past. These guys are pure evil. They do EVERYTHING to set you up for failure. Not to mention that now my credit score is ruined and I owe $ XXXX then what I originally borrowed just from the interest they are charging me. I do hope karma exists.
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With TD Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.