davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cohen & Associates (NC)

On XX/XX/XXXX I received a voice mail from XXXX XXXX ( phone number " unknown '' ) who indicated she was contacting me in reference to a complaint that was forward to her office ( no name of the company ) under file # XXXX  to discuss a pending action being filed against me and if I didn't call XXXX proceedings will begin without my consent. I called the number and requested the name of the company but was told by the person on the line that she answers for several companies and to provide the number and she would let me know. I gave her the number and then there was silence and XXXX came on the phone and said she was from XXXX   or Cohen & Associates. I asked why did they call me and she stated they didn't call me that I called them - I said yes, because I was left a message to call and she played word games by saying I called as she originally stated. I said this is a scam and I'm going to report her to the FTC and she said " we will see you in court '' and hung up. Prior to this call, I received a call on XX/XX/XXXX several times from XXXX and a voicemail was left indicating that I have not responded to issues in the previous six months and it is considered as an intentional fraud and a lawsuit is being filed under my name by the United States Government. I don't owe any debt and I'm not familiar with any issues nor received any letters by US and/or Certified mail. I don't know if the two are related but its odd that out of the blue I've received these calls. I know my personal information was part of two separate breaches with big companies that were very public. I believe this has caused collection agencies to contact me in an attempt to collect on debts that have been discharged in bankruptcy which is in violation of the Fair Debt Collection Practices Act and Bankruptcy Protection Law. Additionally, the unwanted calls and pre-recorded voice messages to my cell phone could be in violation of the Telephone Consumer Protection Act.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

This company is a scam. The irony of that can not be understated given the fact that this is a company that is supposed to protect your credit and protect you from ID theft - but they steal from YOU!

You automatically get signed up if you don't cancel after getting a free score. That's pretty standard, but then THEY DO NOT LET YOU CANCEL YOUR MEMBERSHIP. Unlike any other reputable company in the year 2018, you can not cancel online. They set it up so that you have to call them in order to cancel, and then when you do, you're put on hold for hours ( I was on hold for almost 2 hours before I wised up, hung up the phone, and called again but pressed pressed different numbers besides what leads you to " cancel my membership '' ) so that you can not cancel. It's impossible to cancel online ; I tried.

The other problem is that they take your credit card info to subscribe you without your consent if the first credit card is cancelled, or is expired, or whatever. The card that I had used initially expired and they automatically accessed my new card and started charging me. Oh, the irony - a company designed to protect you from being stolen from, and they steal from you.

I know many other people have had this problem. It needs to stop. They should not be able to get away with this.

After 3 hours, I was finally able to cancel my account. To be honest, I'm worried that it won't actually be cancelled.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ORG GC GP BUYER, LLC (MN)

They are reporting I owe over {$2000.00} for a bill that is not mine. I have received many phone calls from different agents and they have all made threatening comments and have cursed at me. I have asked them to stop calling and they do not. I have asked them to remove this from my credit reports and they refuse to. I have sent them the attached letter and have had no response from them, so they are also in violation of the " Fair Credit Reporting Act. ''
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX XXXX XXXX / XXXX Credit Card
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

XXXX XXXX XXXX placed a collection on my credit report in the amount of {$1000.00} which does not belong to me. They have not provided any validation that this collection is mine. Validation means to provide me with a document that has my signature on it that proves this debt is mine. They have only provided a bill, which is not validation. 

Furthermore, as I look on the IL website for collection agencies that are licensed or bonded to collect debts from me in this state, they are NOT licensed in IL to collect debts. They have placed this collection on my reports erroneously and are also not even legally eligible to collect debts in this state. I would like this debt permanently removed from all my credit reports ASAP.
Consumer complaint received 2018-04-04
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. (NY)

XXXX credit reporting agency had deleted an account XXXX XXXX XXXX off my account now they re-inserted it again. This account was deleted and should not be reinstated.
Consumer complaint received 2018-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was XXXX XXXX XXXX XXXX. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to transunion, XXXX, and XXXX  as such, and is totally inaccurate, the other problem is in XX/XX/XXXX-XX/XX/XXXX I noticed two 30day lates added to my credit report after the closing of account in XX/XX/XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.Transuion is reporting no payment history on this account at all, XXXX, XXXX  all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, XXXX XXXX XXXX XXXX XXXX.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
Consumer complaint received 2018-04-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (AZ)

I had a credit card with aafes, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until XXXX XXXX XXXX started garnishing my wages at 25 percent and is garnishing a total of about 11,000.00. Never got a communication or sopona to appear in court, never received any letter from either aafes or XXXX XXXX XXXX. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently XXXX XXXX is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have sent several letters to experian to provide proof or delete credit inquiries that I did not apply for. They have replied to me telling me to contact the companies that made the inquiry. I have contact the companies via phone, and they don't have records of me personally applying for credit. 

The companies I would like removed from my experian credit report are 1. XXXX XXXX XXXX   XX/XX/XXXX 2. XXXX XXXX XXXX of downtown XX/XX/17 3. XXXX XXXX XX/XX/XXXX They have been reported on the other 2 credit bureaus, but have been deleted as per their investigation. Experian intentionally keeps reporting the inquiries and it is affecting my credit score.
Consumer complaint received 2018-01-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (PA)

When becoming a few days past day, Consumer Portolio Services will call you repeatedly until you pay off the debt. Unfortunately, my husband was laid off recently and I have had to pick up all of the bills in the house and have become behind in my payments to XXXX. I am currently 3 months past due and I am trying to gather the money to pay off my outstanding balance in full. XXXX has called repeatedly every day including weekends from XXXX to XXXX with about XXXX calls per day to myself and my husband and once or twice to each of my referrals including my employer. The calls began XXXX XXXX, XXXX and continue daily. 

At this point I ignore their calls because they have become so overwhelming. They offered to help me when through a email message to get back on track but once I called they said the only thing they would be able to do is give me one week to pay off the outstanding balance.
Consumer complaint received 2022-01-05
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (VA)

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to XXXX6 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to US DEPT OF ED as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against US DEPT OF ED in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 US DEPT OF ED is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract againstUS DEPT OF ED for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. US DEPT OF ED has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities. I was never informed full material disclosure pursuant to Truth In Lending Act. I have requested several times documentary evidence showing I owe this alleged debt and nothing was ever produced.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (CA)

An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. 

XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

We have been paying two payments of XXXX and XXXX a month to the credit card collection agency Weltman, Weinberg, and Reiss Co., LPA for over two years. This was a payment plan set up and approved by the agency and us. The monthly payments are automatically taken from our checking account every month so we've never missed a payment.This was debt incurred from two XXXX cards. Without any written or verbal notification to me, the above agency sent a court-ordered levy against our bank accounts ( one checking, two savings ) for over XXXX dollars. We owe them XXXX. They took XXXX dollars from our checking and over XXXX dollars from both savings accounts. My bank said they can not stop the levy so now our accounts are overdrawn by over XXXX dollars. This is a breach of our monthly payment agreement with no warning given. We have no other means. No way to buy food, gas, pay bills, or pay for needed medication.
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (NY)

XXXX XXXX & Credit Bureau I sent out Validation letters to the three major credit Bearue for the last year. All I recevied back is the my accounts have been validated, so I called the lending institution which is XXXX XXXX  and asked them to validate the account ( last payment made ) by sending me the payment method ( credit card, check, bank paid from ) or anything that I purchased with that account. They are not able to validate the account so i'm writing this in the search for a correction on my credit report. 


Thank You.
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

GENTLEMEN : THE FOLLOWING, MOST RECENT LETTER TO WELLS FARGO EXPLAINS MY ISSUE. 
I HAVE TO PUT THOSE NECESSARY DETAILS WHICH SHALL ENABLE YOU HELP ME. 
I AM LIMITING A/C INFORMATION BY INDICATING JUST LAST DIGITS. 
THANK YOU. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ** Ref. : a/c XXXX of XXXX XXXX & XXXX XXXX XXXX Gentlemen : Dear XXXX XXXX XXXX XXXX : Dear XXXX XXXX XXXX : With reference to my above mentioned account and to my recent XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX visits to your branch, please, TAKE NOTICE : 1 ) Since XX/XX/XXXX, XXXX XXXX XXXX . for unexplained, unjustifiable and abusive activity is illegally retaining my sizable $ XXXX-plus balance, 2 ) Since on XX/XX/XXXX, Wells Fargo Officers in address, still refused to release my money unless " a retaliatory, coercing '' affidavit of responsibility (?? ) had been signed by me, 3 ) Since, as brought to Wells Fargo Officers ' attention, I have to purchase an apartment at the XXXX XXXX, XXXX, FL XXXX and I am in dire need to funding that purchase, Wells Fargo is hereby requested to immediately and not later that today, XX/XX/XXXX, to pay/ transfer/ deposit my available, full balance at Wells Fargo , to my account : XXXX XXXX XXXX XXXX at : XXXX XXXX XXXX  , XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ***Take further notice that by further denying / refusing / omitting this final request, XXXX XXXX XXXX . will respond in the avenue of Justice for any subsequent damage in any form and consequence however  caused to the undersigned. 

XXXX XXXX XXXX email : XXXX XXXX
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX   XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had to deposit money into my grandmother 's account, held at Bank of America. I was told they can not accept cash deposit since I was not on her account. They did make an acceptation to " their rule '' because she is out of country.

The reason given to me for the bank 's decision to not accept cash deposits from non-members is to cut down on fraud and " its not traceable. '' I fail to see how discriminating against deposits will cut down on fraud when specific bills accepted at the teller are not accounted-for nor associated with my specific account.

How can a financial institute do business in our country and not accept the Federal Reserve Note, the legal tender for all debits public and private here in America, because its not traceable?

So is the true reason for the bank 's business practice just for the tracing of a person 's finances? Usable in a court of law? Who is our government working for, if not for its people?
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

I am trying to open an account for my adult son who is XXXX. I am his legal guardian. 
Here is the background on this issue. 
I original filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 
This was the original complaint : I am trying to open an account for my son which I am his legally appointed plenary guardian. The banker faxed the paperwork into their document review team, and they told the banker ( phone conversation ) that the paper was not sufficient. The review team refused to talk directly to me or to give me a number to reach them, or the legal team. I then asked for a supervisor and they said they would have a supervisor get on the phone with the banker and she would have to relay information to me. They stated they dont talk to customers. They did give me a name of XXXX XXXX XXXX who was talking to the banker and his supervisor XXXX XXXX but would only give me a number of XXXX. 
After filing that complaint with the XXXX XXXX XXXX I did receive a call from XXXX ( executive office ) XXXX ext. XXXX after several conversations she stated that the guardianship was going to outdated within a week it has to be within 2 years. 
So I then went back to the courts and got a updated court order of guardianship which I faxed several times and had to make several calls before XXXX would respond to me. She then stated that the legal department wont accept it because they needed it to state I was guardian of the estate. 
I then went back to court on XX/XX/XXXX and got guardianship of person and estate and faxed a copy of the court order to XXXX and left a message on her voicemail. I have left XXXX messages with no call back. On XX/XX/XXXX I finally was able to get XXXX on the phone she told me to fax and email a copy of the order to her and she would get it reviewed and get back to me. I did that on XX/XX/XXXX. Again I left several messages. Finally on XX/XX/XXXX I received a call from XXXX who stated they will review the court order and will get back to me. She did state it would take some time. I dont understand why it is taking this long. When I original went into the bank on XX/XX/XXXX they faxed the paperwork to the review team and got a decision immediately. 
I would like help with resolving this issue. I am not sure if this is typical practice on trying to open an account for a XXXX person.
Consumer complaint received 2018-04-04
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: Midwest Recovery Systems (TN)

This account is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Midwest Recovery VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.