davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Management Services, Inc. (CA)

This account was paid by the California state Victums fund. I was the victum of XXXX and was told by the doctor they where billing the fund. I have disputed the item and no proof sent to me it is a total scam but his collection agency who muscles XXXX
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im filing a complaint against the Kohls Department store and their Credit Card issuer Capital One, N.A. 

On my Kohls XXXX 2024 statement a charge described as ADJUSTMENT-PURCHASES {$150.00} was added to my account. I notified Kohls-Capital One customer services that I have no record of this charge. Please provide me proof of sale that shows a purchase receipt identifying the purchase and a copy of my signature, which is required for all Kohls purchase. A letter dated XX/XX/year> was sent to me by Kohls customer service stating that they would investigate On XX/XX/year> I received a letter from Kohls customer service stating, After a review of the purchase in question, we have determined the charges were not fraudulent based on your account history and activity. Therefore, the charges will remain on your Kohls credit card account. THE REQUESTED PROOF OF SALE RECEIPT WAS NOT PROVIDED. 

In XXXX, after they put the ADJUSTMENT-PURCHASES {$150.00} back on my statement, I called Kohls customer service again explaining that they have not provided me the proof of purchase receipt. They agreed again to investigate as documented by their letter to me dated XX/XX/year>. 

On my XXXX statement they ADJUSTMENT-PURCHASE {$150.00} was put back to me without any letter describing why the charge was put back on my account and why they did not provide proof of sale purchase receipt. I CONTACTED KOHLS CUSTOMER SERVICE AGAIN ON XX/XX/year> THAT THEY CONTINUE TO NOT PROVIDE THE PROOF OF RECEIPT ON A CHARGE THAT I HAVE NO RECORD OF. They said they would take the charge off my statement and investigate further. 

Unfortunately on my XXXX statement the charge was put back on my account with no letter why they continued to put a charge on my account that I have no record of and they can not provide a proof of sale receipt showing what was purchased and my signature, now subject to 31.24 % interest. 

I have had my Kohls account for years that has made all payments promptly. To be treated in this way by Kohls is a form of elders abuse. Im a XXXX XXXX trying to get by and having to deal with a company that I felt secure with now seems to be a BULLY. PLEASE HELP.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I purchased a vehicle through XXXX and paid over {$12000.00} for a vehicle from XX/XX/XXXX-XX/XX/XXXX. XXXX sold the loan to Portfolio Recovery with a {$9000.00} balance attached. Chapter XXXX was filed while account was with XXXX, Portfolio Recovery ( PRA Receivables Management LLC ) did not alert the courts in a proper manner and repossessed my vehicle XX/XX/XXXX. Portfolio Recovery refused to update the account with the proof of payments I made and when they repossessed the vehicle, they took my valuables and have refused to return them to me nor answer the phone. This company along with XXXX has taken my money, valuables, and a car I paid for. The manner in which I have been treated by both companies is unethical and unfair.
Consumer complaint received 2016-02-01
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AIH Receivables Management Inc. (KS)

on XXXX/XXXX/16, AIH Receivables, Inc. called me on my mobile phone. I am a XXXX, & I was unable to answer as I was XXXX ( and a XXXX after that ). Within one hour, they also called and left a message for me to call them at my place of employment. They did not even give me a proper chance to call them back. I feel that it was illegal for them to call me at work, and it represented an inappropriately aggressive collections tactic ( designed, of course, to get me to return the call ASAP ).
Consumer complaint received 2016-02-17
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: Global Payments Check Services, Inc. (IA)

This was a credit card that was taken out in XXXX 2010. Now I am interested in paying off the debt. {$130.00} and {$50.00}. 

Having difficult finding out which party is the debt through. From my credit report, I google Global Payments to find out the number - there were XXXX phone numbers listed - Then called the original debt person at XXXX XXXX XXXX - and talked with XXXX XXXX in finance XXXX XXXX XXXX she gave me the VIP Card holders number- XXXX XXXX XXXX - When I called that number - the account was sold to XXXX - XXXX XXXX XXXX. When I talked to XXXX XXXX, they shared they did not have the account. ( It was shared that XXXX was no longer working with XXXX XXXX in XXXX, IA ) I called the VIP Cardholders again, and could not find me in the system - I called XXXX XXXX - XXXX XXXX told me to call the VIP Cardholders again. At this time, I felt like I was on a carousel trying to settle a debt and improve my credit status.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Continental Finance Company, LLC (NV)

This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees.
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TSC Accounts Receivable Solutions (CA)

On XXXX XXXX, 2014 I received communication dated XXXX XXXX, 2014 regarding a past due amount of {$150.00}, with additional " interest '' of {$9.00}. 

On XXXX XXXX, 2014 I notified debt collector : " the communication you provided is vague and does not contain the necessary and specific information needed for my review. The Creditor name of " XXXX XXXX XXXX '' is ambiguous, vague and does not specific what this collection attempt is about. " Also requested and advised the debt collector : '' Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the details of : The alleged amount owed to the CreditorClearly outlined and specific details as to the reasons of the chargesContact information of the original Creditor for verificationDates of service reflecting the chargesServices provided on the dates of the incurred chargesDocumentation substantiating the chargesProof of serviceAny resolution agreement with CreditorMethodology of your arbitrary interest amount added to the alleged past due amountProvide me with copies of any papers that show I agreed to pay what you say I owe ; Proof the Statute of Limitations has not expired '' I have not received any of the verification or any communication, the collector has proceeded to wrongfully submit negative credit information to the credit bureaus. 

I have advised the Collector on XXXX XXXX, 2014 : '' If your offices have reported invalidated information to any Credit Bureau 's ( e.g. Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Any attempt to report this ambiguous and alleged collection attempt to any credit bureau will be reported to the Federal Trade Commission and the applicable court of law to seek restitution for damages to a credit history. ''
Consumer complaint received 2024-09-01
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. (TX)

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX XXXX, Account number private, Balance {$430.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Account number private, Balance {$2500.00}, Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX, Account number private, Balance {$270.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$13000.00}, Date opened XX/XX/XXXX XXXX XXXX XXXX, Account number private, Balance {$2300.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well.
Consumer complaint received 2015-12-30
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CO)

Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

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 2024-08-13
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. (NC)

12 years ago in 2012 i lost my wallet with my id and social security card. My information was used to open up fraudulent account which has cost me me financial hardship and poor living. i deserve to live the american dream like everyone else. because off this i have been turned down for jobs and apartments.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 

XXXX and XXXX XXXX
Consumer complaint received 2015-04-20
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Selene Finance LP (MO)

This Mortgage debt with Selene Finance has been discharged in a bankruptcy filed legally and document with U.S. Bankruptcy Court XXXX XXXX of Missouri. Currently on my credit reports it shows that the listed account for Selene Finance, a real estate mortgage account as having a closed as " derogatory '' status as of the date of XXXX XXXX, 2012 which happens to be the same date of the Chapter XXXX Bankruptcy filing which included this creditor. The creditor seems to insist on reporting incorrect information on my behalf.
Consumer complaint received 2015-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

My father was contacted by Portfolio Recovery Associates about a {$2300.00} debt to XXXX XXXX from XX/XX/2013.My father purchased a {$650.00} computer XX/XX/2013 and his bank statements show payments of this amount to XXXX in XXXX 2013. My father considered this debt discharged. He has no idea what the {$2300.00} charge is. We contacted XXXX and Portfolio Recovery Associates for account level detail about this debt and they are unable to provide it to me. I sent a letter by email today along with bank statements disputing this debt. Will send by certified mail tomorrow.
Consumer complaint received 2016-01-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I have a loan that was transferred to BSI Financial in XXXX 2015 ... 
In XXXX I called and spoke to them as my taxes were due and faxed them the tax bill per their instructions so the bill would be paid on time. It is now XXXX and my taxes still have not been paid.. Also I sent my XXXX payment on XXXX/XXXX/2015 through by bank bill pay and they still have not cleared my check. In XXXX they cashed it with in 2 business days but this month have not. If you read online about this company all the horror stories are about taxes/insurance not being paid and lapsing and not cashing payments and then turning around and collecting late penalty charges. I also lost out on my tax deduction for my property taxes for 2015 since they were not paid in 2015 harming me on my deductions.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX  : Account # ending XXXX with the balance of {$0.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.