davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MD)

My husband and I are cosigners for my son for his first student loan taken out in 1999. He changes jobs every 3-4 years and gets behind on the payments. My husband and I are on XXXX XXXX XXXX. XXXX XXXX/Navient has been servicing this loan since it went into repayment. When he gets behind, like he is at this time, 2 months, Navient calls us incessantly. We receive calls 6-8 times a day, 7 days a week. Once a day, they might leave a voicemail. It instructs us to call a XXXX number to talk to an agent. Whenever we actually answer the phone, we get the same recording, no human. After a week or so, they change/spoof another number that shows up on our caller id. It 's my understanding that they are not to call just to harrass. These calls are being done to harrass because 1. there is no human to talk to as required, if we answer the phone. We must call them to another number to talk to a human. 2. Since their computer system recognizes the voicemail system and leaves a message, then the first call of the day should leave the message and no other calls should be made. It is plain and simple that the computer is programmed to call repeatedly simply to harrass since you ca n't discuss the loan issue with anyone unless you call them. 3. the calls are also obviously programmed to harrass as we will get a call and as soon as the voicemail answers, their computer hangs up and re-dials immediately. They often register as being made within the same minute. I can print out a copy of the phone logs for the past month from my XXXX XXXX account to substantiate this harrassment claim.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I made a purchase online to Home Depot for ( 2 ) air conditioners. After they changed the shipping date to a later date, I called on X/X/17 to cancel the order. They transferred me from the customer service department to the major appliances department where my cancellation/credit was processed. I then found out a week later that the cancellation/credit was not processed as I received another call with them trying to attempt delivery on the cancelled order. I called customer service and they explained that the cancellation was not processed correctly and they transferred me again to major appliances where the cancellation/credit was processed again. After a few weeks, the credit has still not been issued. I reached out to them several times inquiring about the credit. All attempts were ignored except for my last response where I explained I would file a complain with the Consumer Finance ( CFPB ). They finally responded with a letter on X/XX/17 that I was not responsible for the payment or interest. No information was included about removing the charge from the credit card. I just received a new statement and the balance still shows this charge. I would like an immediate resolution so this does not affect my credit score.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Credit Corporation (CT)

DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX i called in after finding out that this collection account was still on my credit report. On XX/XX/XXXX i called in when finding out that this was on my credit report and paid the balance owed. I was told that this was going to be removed once paid. Only to call Macys and find out why it was still on there I emailed the CEO and XXXX called me on his behalf. She confirmed that the account was paid via email but not removed. " RE : Macys Account Ending In XXXX Dear XXXX XXXX : This letter will confirm that a Macys account ending in XXXX in your name, had a balance of {$320.00} and was charged off on XX/XX/XXXX. On XX/XX/XXXX, the account was settled for an amount of {$160.00} and that amount was paid in full on the same day. If you have further questions or concerns, please do not hesitate to contact me at the number below. Sincerely, '' I am in the process of buying a house and this is really impacting me for getting approved. I am requesting that you please remove this debt AS i WAS GIVEN FASLE INFORMATION. XXXX XXXX Macys Executive Office Phone : XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirkland Asset Management LLC (CA)

I received a call at my place of employment from XXXX XXXX from XXXX XXXX XXXX ( employee # XXXX ) from a local ( XXXX XXXX County, CA ) number. He stated my father was on the phone ( my father is deceased for 10+ years by the way ) They had the wrong name ( message was for XXXX ) and they said that I took out a payday loan from XXXX XXXX ' XXXX and stopped making payments. They said I have a remaining balance {$3600.00} ( I believe this is illegal per fair debt practices laws ). They are going to sue my " father '' - civil law suit - and file a XXXX form withholding his fed/state tax return to obtain the judgment to satisfy their request. They are also attempting to contact his employer to verify employment so they can garnish his wages. With questions call XXXX x XXXX Reference Case # XXXX. Then said " as per law, legally '' my father has been notified ( such as yourself ). I have a recording of the voicemail. I called their office and they would not transfer me to " XXXX XXXX '' and said they were with a law office. When I tried to ask more info they hung up when they realized I was n't " XXXX. '' They called again the next day from the same number ( XXXX ) and I answered and asked who they were calling from and they said XXXX XXXX County and asked me for the social security number for " XXXX '' and when I refused they got aggressive so I hung up. I called back and asked for the name of their company and they refused to tell me. I threatened to file a complaint so they transferred me to a manager. I spoke to the manager and she said they were XXXX and were based out of New York. They asked for the number I was getting calls but because it was a work number with a direct line and other lines connected, I was n't sure what number. They asked for " XXXX 's '' last name but I obviously did not have it. They asked how I knew it was regarding a payday loan and I said because you told me on the voicemail. I told them I was going to report them and they said " we know the laws, go right ahead. ''
Consumer complaint received 2017-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

On XXXX/XXXX/17 at XXXX EST, I withdrew {$2500.00} from my business checking acct. at the branch with a teller. On that same day at XXXX EST with the same teller, I deposited {$400.00} into my account. Both transactions are reflected on my account. After hours around XXXX, my account was debited by one of the tellers at the bank. The transaction shows as a 'Bank Originated Debit ' on my account. I went to the branch today, and XXXX XXXX XXXX gave me the explanation that the teller 'made a mistake by depositing {$400.00} into my account but at the end of the business day, they REMEMBERED that I had actually withdrew {$400.00} and that I had been given cash ' This is not true. The record shows that the {$400.00} deposit was made and the employees of the bank went into my account after hours and took money out of my account based on what they remember.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have received notice from EXPERIAN through an automated email- advertising from EXPERIAN that all of my data is now on XXXX XXXX websites. EXPERIAN in their email suggests that by paying XXXX per month I can get that information deleted from the dark web. However, when you go to their actual website and review the 35 websites, the link there with their request for payment ONLY MENTIONS that the {$25.00} per month is a HELP or ASSIST for me to get this information deleted from the XXXX XXXX. 

# 1. The credit agencies are now JUST MAKING MONEY TO THE TUNE OF {$25.00} and they are still not doing anything really to prevent use of ALL PERSONAL INFORMATION to be exposed on the XXXX XXXX 

# 2. The first data breach was actually before 2015 from XXXX. The DATA BREACHES that still involve all of a person 's address information, financial information and now Social Security Number is being exposed with absolutely no requirements for any of these companies to protect the data of citizens such as myself that are only VICTIMS due to terrible security and business practices by these agencies that are actually only SUPPORTING THEFT of ALL PERSONAL DATA, as that is the level of the last data breach at the end of XXXX that has affected me personally. 

# 3. Now even my immediate relatives are now exposed and probably from what I can surmrise from the 35 listings from EXPERIAN, that their data is also at risk/.

# 4. WHEN DOES IT STOP????

# 5. I have a freeze on my accounts with the 3 credit bureaus. I have extra security on my bank accounts and I am continuously and now my family members are at escalated FINANCIAL RISK. This is fraud that is basically originating from the 3 CREDIT BUREAUS themselves since 2015. 

# 6. It was XXXX, EXPERIAN, and XXXX 's issue beginning in XXXX. They need to be legally required to block 35 subsequent companies from accessing my data that the XXXX credit bureaus did not secure properly to begin with from XXXX 

# 7. WORST is the FACT that even the solicitation email from EXPERIAN is essentially a fraudulent email to only solicit money and represents that the XXXXXXXX XXXX per month will block and eliminate the data on the XXXX XXXX, when in reality EXPERIAN DOES NOT DO THAT FOR THE CLIENT AT ALL. 

# 8. IN FACT, EXPERIAN only says that it will HELP to remove data on the dark web only.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-07-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

My mother was contacted by XXXX XXXX XXXX XXXX on XXXX XXXX, 2017 at XXXX XXXX by a message left on her answering machine. She called me right away and told me that they were trying to get a hold of me for a debt I owed and that if I did n't contact them right away to work a financial arrangement out then I would be summoned to court and possibly sued for this debt. I then called XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' around XXXX XXXX the same evening and she informed me that I still owed a debt from over 10 years ago on an old vehicle I had purchased. She originally told me that I owed a little over {$6000.00}, but that the company would settle for a little over {$2000.00}. She also said that she could talk to one of the attorneys from XXXX XXXX XXXX XXXX and see if they could work out a better deal. I was told that if I did n't pay this debt then for the next 6 months my wages could be garnished for almost {$400.00} a month. I informed her that there was no way this loan was still outstanding because it was over 10 years old and I had totaled my vehicle in which my insurance paid the remaining balance. I asked for an official document to be sent to me via email and when I did this she put me on hold for almost 15 minutes. When she came back on the line she informed me that she sent it over to my email and to check to see if I received it. I did receive an email but it did not appear to be legitimate as there were some errors in the document, one including the misspelling of my last name and it was literally a XXXX XXXX document. The document also stated that the balance owed was almost {$10000.00} now instead of the original number I was given before. I expressed this to her and she stated that it must have been typed up wrong. I am concerned that they are doing this type of thing to a lot of other people who are very gullible and do n't check facts and are just afraid to get sued so can we please get this taken care of. Thank you!
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NE)

Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

AllianceOne purports that I owe them {$100.00} with no justification or lawful cause. Their client purports I owe a debt and I do not owe this debt. Here is why the debt that AllianceOne is attempting to collect is improper.
XXXX XXXX, 2017 This is from the Local Rules for XXXX XXXX County : Rule 5.16 ( d ) " Sanctions and/or fees may be imposed on any party that fails to contact XXXX  at least 24 hours before the scheduled appointment. '' No sanctions or fines apply to me since I contacted XXXX last time 24 hours prior to cancel and sent AllianceOne all proof of said in six ( 6 ) prior emails and written letters.
I also infer that without fail no party cancelling 24 hours or more in advance shall be liable for fines, and therefore, I do not owe any fines.
In view of this, AllianceOnce, the collection agency, needs to cancel my fines and send me a confirmation of this said ( regarding Account # XXXX ) since they have not yet done so.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OK)

Filed Chapter XXXX XX/XX/XXXX and reaffirmed with Litton ( Now Ocwen ). Made monthly payments from that time until XX/XX/XXXX when my attorney told me to quit paying them due to Ocwen going against the agreement of the reaffirmation. Ocwen held in Contempt of Court several times during this process. Ocwen continues to harass for funds not owed. See attached document showing the Docket Text.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (NY)

my son who will be XXXX years old this XX/XX/XXXX, made this loan with out my consent and now he is struggling to make payments and now 1st time I am hearing about this through Sallie mea loan. calling me. instead of them calling me to verify if all the information my son put through on his computer was rite then maybe. but he added my social security number, cell phone, address and mailing address and emails. why did n't sallie mae call or email before approving my sons loan .that simple now there harassing me all day during my work hours.
Consumer complaint received 2017-07-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southwest Credit Systems, L.P. (OH)

Today, X/XX/17, both of my parents received phone calls from Southwest Credit. When I disputed the debt they are attempting to collect, I told to not contact me or any of my family members. They had been repeatedly calling both of my parents who are in no way associated with the account. Upon checking my phone, I also discovered that they called me after being told not to at XXXX XXXX from phone number XXXX.
Consumer complaint received 2017-07-26
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: Experian Information Solutions Inc. (CA)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items. Specifics such as company names, account numbers and the reason for disputing are all in the letter I sent them last XXXX XXXX, 2017. Credit bureaus are supposed to store consumer 's information and if they did their investigation properly they should be able to send me copies of the documents or information they use to verify the validity and accuracy of the accounts I have been disputing with them,
Consumer complaint received 2017-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (MD)

The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at Alltran telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. Alltran 's case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was collections@alltran.com. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and Alltran to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and Alltran makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (CT)

DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Consumer complaint received 2017-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NE)

In XX/XX/XXXX I attempted to close out my profit sharing account from a company that I worked for previously, the funds being deposited with Wells Fargo Investments. The Wells Fargo Investments that the funds are with is located in Texas I was told that I could not do so until the end of the quarter which was XX/XX/XXXX and that I would be able to have my money in it 's entirety the 1st week of XX/XX/XXXX. I filled out all the necessary paperwork that was given to me to do this total close out of this account. I mailed the paperwork back to them as instructed. I have not received my money. I called today and was told that I could not get it at this time. I spoke with the person who handles the profit sharing for the company and he was in contact with Wells Fargo. He ( XXXX ) was told The person that handles these accounts was on maternity leave and they did not have anyone to replace them and they did not know when the person would be back so I could not get my money. They acknowledged that they had received the necessary paperwork. I borrowed money in XX/XX/XXXX based on the fact that I was to get my profit sharing funds ( now in excess of {$40000.00} ) in XX/XX/XXXX.