davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

I have tried to speak with USAA and was directed to the department that does Long Term Assistance. I went through the process and the financial information as well. I was put on hold for an extreme amount of time. After speaking with the agent I was told congratulations have good news. She informed me if I could ask my Aunt to loan me more money I could qualify for assistance. I know this is wrong because I do the same thing at another bank. I know this is against the Graham Leach Bliley act. This is UNFAIR AND DECEPTIVE. USAA has constantly done things to thwart my asking for assistance. I as even informed that my account would be re mediated and was informed I would be contacted by the Office of the President. I am appalled that a bank can operate like this. I am the consumer that is asking for help to pay back his obligation however the bank could care less. I have many emails and I am asking for this to be investigated this is illegal. I have asked for Cease and Desist and still get calls. I know under the FDCPA that they cant continually call me. I have tried many times and constantly transferred. LISTEN TO THE CALLS PEOPLE YOU WILL SEE THAT CUSTOMER ARE BEING LIED TO AND THIS IS UNFAIR. Graham Leach Bliley ACT prevents a creditor to be biased and unwilling to assist. It also is against UNFAIR and DECEPTIVE ACTS.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MI)

Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

THIS IS A REQUEST FOR A RE- INVESTIGATION. I HAVE NEVER LIVED OUTSIDE ALABAMA. I REPORTED TO EQUIFAX,  XXXX ,   XXXX    BACK IN EARLY  XXXX  THAT THERE WERE NUMEROUS COLLECTIONS ON MY REPORT THAT WASNT MINE. AFTER I RESEARCHED I FOUND OUT THAT SOMEONE IN ANOTHER STATE  XXXX   XXXX  NEVADA HAD OPEN UP SEVERAL ACCOUNTS UNDER MY NAME. I SUBMITTED TO EQUIFAX 17 YEARS OF STATE OF ALABAMA DRIVERS LICENSE. SURELY I CANT RESIDE IN  2  STATES. I ASK FOR REMOVAL OF ALL ACCOUNTS LINKED TO THE STATE OF NEVADA. EQUIFAX REMOVED SOME BUT NOT ALL. I AM ASKING THAT EQUIFAX REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I DID MY OWN INVESTIGATION AND ALL OF THESE ACCOUNTS WERE OPEN IN NEVADA WHERE I NEVER LIVED. THERE IS NO WAY THESE ARE MY ACCOUNTS. FOR THE  3RD  TIME PLEASE RE- INVESTIGATE AND REMOVE FROM MY CREDIT FILE. I RESIDE IN ALABAMA AND HAVE BEEN HERE 53 YEARS. NEVER VISITED THE STATE OF NEVADA. THESE CLOSED ACCOUNTS SHOULD BE REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd. (MD)

To whom it may concern On XX/XX/XXXX I received an email notification from XXXX XXXX stating that there was a new collection account that had been reported. 
However, the account listed on my report indicates XXXX  months of being opened back in XXXX. 



This was strange because I hadnt received any prior notice about such debt or giving the opportunity to dispute the debt prior to it damaging my credit. So I disputed it thru credit karma immediately. 

On Thursday XX/XX/year> at approximately XXXX am, I received a phone call from XXXX ( XXXX ) XXXX. The young lady name was XXXX and she was calling from Harris & Harris regarding a collection account on behalf of XXXX. She asked if I could confirm my address for security purposes. So i provided my current address. She informed me that was incorrect. 

I ask her what address does she have. XXXX told me an address listed in XXXX XXXX. She further tells me about the past due bill of {$97.00}. 

I immediately tell her this is a fraudulent account and Ive never loved at that address. She says ok I need to get you transferred to another department that can assist with this fraudulent account. Mind you she never said what department She transferred me to XXXX XXXX XXXX department where I spoke with XXXX XXXX 

XXXX started the call the same way, may I have your name and complete address, so I tell her. She says thats not the address on the account. 

I said I was just made aware from the previous rep that this is a fraudulent account that is affecting my employment and credit. I said I was never notified about the debt or giving proper chance to dispute. 

XXXX begins to tell me all of these steps that must be completed and an investigation will happen to determine if this account is fraudulent. 

She stated they needed ID, proof of address from XXXX XXXX showing that I lived elsewhere. 

I got so frustrated that I asked for a supervisor and was transferred to XXXX woman named XXXX! 

Supervisor XXXX, basically was trying to get my updated demographics and I was skeptical to provide them to her because I did not want them to update their records to include my current information. She wanted my Social Security number. She wanted my new address and I just wasnt comfortable with providing that information to them knowing that this account was a fraudulent account I told her that I was going to use a mediation like to CFPB to initiate dispute because it was fraudulent. 
I also stated that I never received prior notification of debt or giving the change to resolve prior to my credit being damaged I hereby swear that I XXXX XXXX XXXX, did not open, authorized or give any express permission to open this account nor did I know about this account. 

Attached is proof of address from XXXX until XXXX from XXXX XXXX proof of address from XXXX XXXX passport to confirm identification. 
FTC REPORT / XXXX XXXX Police Report Fraud Alert on all credit agencies. 
Credit is locked and frozen with all credit agencies
Consumer complaint received 2017-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Since XX/XX/XXXX Navient has incorrectly applied my payments and continues to do so. They are applying my payments to a consolidate loan rather than across all of my loans despite being noted on my payment. then each month they call and harass me about being delinquent each month I have to argue about how they applied the payment to the same loan over and over again and not to all of the loans. Here is my recent communication about the matter. " Why in the XXXX do you keep applying my payments to the same loan, then you send me a past due notice or call me for additional payments. Please apply ALL payments across ALL loans. You need to adjust my payments applied to loan XXXX and XXXX and spread across ALL. I paid a total of {$840.00} the month of XXXX before the due dates. They are applying my payments to the Consolidated loan through Navient, and leaving my federal student loans as unpaid and past due. <P/>I am pending a response from XXXX this has been ongoing since XX/XX/XXXX. <P/>In addition I have been paying on my loans since coming out of deferment during school attendance- XX/XX/XXXX and XX/XX/XXXX. My interest rate is 6.8, why have my balances gone up, I have paid nothing on the principle and very little in interest- the balance just keeps growing. I know they never want you to pay them off but after paying for 10 years my XXXX should be almost paid in full. And my graduate should be paid in full in XX/XX/XXXX. Not going to happen at this rate. This system really needs to be fixed.
Consumer complaint received 2017-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Erroneous and excessive fees, poor communication, lack of point contact, inability to reach any same person twice, inability to reach escrow department, first loan mod in approx XX/XX/XXXX approval for Hamp but recieved a LIBOR ( no choice and set me up to fail, by stating 'make no payments ' ) Miss-statement of alleged amounts owed, harrassing phone calls when late, ( three times a day ), excessive 'inspection fees ', mismanagement of escrows, forced insurance ( insurance and taxes are escrowed ) During the shuffle from AMHS to Homeward, back to Ocwen, I was informed my insurance was canceled, however when I contacted my insurance, they claimed 'non payment was reason for cancellation, Ocwen said too bad, they 'Homeward ' were a different company and now I must secure new insurance ' Homeward is Ocwen, they misrepresented the facts. AMHS is Ocwen, XXXX XXXX is parent company. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I fell behind and was offered HARP, with a payment plan, every notice I received the principal, interest and escrows figures changed, varied and did not compute. Iv been paying on this account since XX/XX/XXXX with XXXX beginning balance, yet they show balance on XX/XX/XXXX as XXXX. Can not get strait answers, foreclosed XX/XX/XXXX bank bot back, property in REO > I have never dealt with a company with such disregard, in attempting loan mod, was told to fax 24 pages, they never got, had to resend. Fed up, I paid up in XX/XX/XXXX, mentioned I was not caught up with tax returns, they said " we can get around that ''. I Called back and was instructed to wire money to a XXXX XXXX account via XXXX XXXX ( i have full documentation and receipts on this transaction ) Odd, I suspect money laundering, definitely identity theft, as my vital personal information ( they never received in loan mod attempt ) went to who knows where? This is THE absolute nightmare of a company who takes very little responsibility/accountability/outsourcing their customer calls to a foreign country, who do not understand off 'script ' EXTREMELY FRUSTRATING TO DEAL WITH > HORRIBLE experience for ten years!! THE WORST. Came from Option One who went down in XX/XX/XXXX, months after I originated. Ocwen has been 'master servicer ' since the beginning. They will ruin your credit, and basically do whatever they want not short of take your house when servicers are not allowed to enforce anything but payments. Do not be fooled, they will lie, cheat, and cover up at every opportunity.
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (DC)

US BANK is marketing and offering a XXXX XXXX credit card. Under the running promotion the customers is to receive a promotional bonus after meeting a the requirements fo the promotion. Those awarded miles would then be posted to XXXX XXXX account and can be redeemed for award flights. However, in XX/XX/2018, XXXX XXXX moved all the US register accounts to a third party register in XXXX. Those miles were rebranded as points and now have half or less the value of the original miles -- even those awarded via the US Bank credit card. US Bank and XXXX insist in their statement that mile redemption values has no chained but this is false. Mile redemption now is liked to residency of the account. US residents MUST use a XXXX  partner ( registered undeXXXX XXXX law ) to redeem points earned on US Bank credit card that now cost 2-3 times more than some non-US residents would be charged. The change in value and devaluation was NOT announced prior to the move. As a matter of fact, both US BANK and XXXX   FALSELY communicated that the transfer of miles to points would have no impact on their value. Many attempts to dispute their rational and the unfair nature of their marketing have resulted to no solution.
Consumer complaint received 2024-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AR)

the company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2017-06-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. Auto Credit Corporation (FL)

In XX/XX/XXXX I was contacted by a company I had no knowledge of stating I was late on my auto payment. Apparently my positive account had been sold without my knowledge to a knew creditor. I advised the company I had just made a payment on my vehicle to the place my contract was with. The company it was originally with agreed that my contract would be paid Bi-weekly as that coordinated with my payment schedule and can be seen with the history of receipts as well as my on time payments recorded in my credit report. This company has contacted family members without my authorization, changed my contract without my consent or agreement and calls me constantly harassing and falsifying information. Today XX/XX/XXXX they demanded payment and threatened a repossession which they do almost every time I call. They never advised or had me sign anything agreeing to go back to a weekly payment schedule so now my account is severely behind and they are trying to put me in a financial bind not including embarrassment and harassment, falsifying information on my credit report and their aggressive conversations. Social is : XXXX | Name : XXXX XXXX, I sent a BBB complaint to them because I never got an updated contract from them and instead of responding through the BBB portal they contacted me directly and per the conversation admitted to alternating the contract without consent.
Consumer complaint received 2017-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I have reached out to XXXX XXXX several times to understand the calculation that created my monthly payment. I have completed several calculations myself to understand where my monthly payment comes from, as well as checked my math with professionals. No one is able to determine the same monthly payment that XXXX provided me for my XXXX loan. XXXX XXXX will only provide loan document information and an amortization plan to me, without explaining how my monthly payment came to be. I feel as though my loan is being charged incorrectly.
Consumer complaint received 2017-06-29
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. (TX)

On XXXX XXXX, 2017, I sent Transunion a letter disputing multiple inquiries on my credit report that I did not authorize and that I have no knowledge about. ( please see attached letter # 1 ) I then received a letter from Transunion stating that the items that I was disputing was not on my Transunion credit report. ( please see attached letter # 2 ) I called Transunion on XX/XX/2017 and spoke with a supervisor named XXXX. She informed me that the inquiries were on my Transunion report. <P/>I am totally disappointed in Transunion for sending out false information.
Consumer complaint received 2017-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (MD)

I do not have a contract with this company. They are trying to collect a debt that I do not owe them. I tried to dispute this through  XXXX .  XXXX  says the company says I owed this company {$2700.00} and  1st d elinquency was on  XXXX /2013. I 've never even heard of this company and I have no contract with them. This just popped up on my credit report within the la st 30days. It re ally brought my score down. Please help me. This is their info :  Convergent Outsourcing Inc,   XXXX   XXXX   XXXX   XXXX ,  XXXX  WA  XXXX
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (IN)

I received a notification on my credit monitoring about a new item on my credit report. When I pulled it, it listed this company on my credit I never heard of in my life. The account is listed as bad deb write off included in chap XXXX petition with a XXXX balance, no other information. I have never received a phone call or a letter from these people ever. I do n't even know who they are collecting for. My bankruptcy is still in process, it was filed in XXXX 2017 after my XXXX 's engine blew up, which caused me a lot of financial stress and almost lost my job. I have no idea who these people are, never heard from them and I dont understand why or how they can list something on my credit after a Bankruptsy has been filed? I called them and they wo n't talk to me because of the bankruptsy. I dont even know who they are supposidly collecting for?
Consumer complaint received 2017-06-29
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: EQUIFAX, INC. (GA)

XX/XX/XXXX    I sent a certified letter requesting disputing hard inquiries found on my credit report. Equifax responded by placing a fraud alert on my account but provided no validation.   XXXX    XX/XX/XXXX  I  sent a certified letter requesting validation for the hard inquiries and received a letter stating these inquiries have been verified.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

on XX/XX/year> Wells Fargo Bank sent an e-mail to consumers about a significant data breach resulting in exposing a personal information of the customers ( name, address, dob, phone number, bank account number etc. ). On XX/XX/year> I received a phone call from Wells Fargo bank ( XXXX ) claiming that a severe fraudulent activity was detected on my account and my bank needs my assistance to stop it. I checked right away online, that phone XXXX XXXX is actually Wells Fargo bank. Caller was highly professional and asked me to enter case numbers and codes to reverse fraudulent transactions. caller put me on hold in order to process reversal of fraudulent transactions. After a long time of being on hold, I became suspicious and, while on hold, called from another device to the different bank number. Wells Fargo Bank representative told me that bank did not call me, and three transactions were just processed through XXXX from my checking account. 
Immediately, I submitted the claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to resolve this fraud. 
Despite my attempts to resolve this incident with the bank, it brought no results. 
Wells Fargo Bank was not able to protect my personal information, and perpetrator used it to steal my money. Now, the bank refuses to reimburse my account. 
Wells Fargo left me exposed to the fraud and, truly believe it is my bank 's responsibility to properly protect its customers. We need more protection by banks! I truly believe Wells Fargo Bank must reimburse my account I would greatly appreciate your assistance with this case