davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc. (OK)

Account reference # XXXX I missed a call from a XXXX phone number who left a message with their company name XXXX XXXX XXXX advising it was a call from a debt collector. 

I returned the phone call a moment later and received an unprofessional introduction of yes when I called in. The representative XXXX then said he hadnt realized there was incoming call. XXXX then proceeded to inform me of the supposed medical debt for {$94.00} in his office. At this point there are had been no verification or mini-Miranda provided. I know that these are standard requirements of 3rd party debt collections and wanted to confirm I had a legitimate company before providing payment information. 

I requested a statement. XXXX advised they had sent one out in XXXX, I informed him I did not receive that notice. XXXX then became almost abusive by questioning my character saying it was odd I hadnt received the bill from them or the hospital since they are the second collection agency. I explained again I didnt receive anything for that amount. XXXX continued saying it was odd, I then requested a validation of the debt. Since there had been violations in the phone call I again wanted to ensure I had a legitimate company before providing my payment information. 

XXXX refused to accept my verbal request for validation. I requested to speak to a manager to inform them about the above information. 

I spoke with Mrs.XXXX who was the first person to provide a mini-Miranda on the phone call. I advised her of the above and requested validation of the debt. She advised they would mail the validation out. It is extremely deceptive and unfair to have practices where one employee refuses to accept your request for validation while the other accepts it? As a consumer this is very confusing. 

She advised me they would review the recordings and question and not contact my number further. I was never provided any disclosure that the company in question was recording the call either. 

Thank You, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Big Picture Loans, LLC (PA)

In XX/XX/XXXX I took out a loan with XXXX, it was then written off. 
I then got a voicemail today, XX/XX/XXXX that someone was trying to give me documents and I need to make arrangements. I called the number back and they said they are going to sue me for two counts because of XXXX. 
The number they called from and which I called back is XXXX, they recorded my conversation without notifying me and never gave me the required legal message that they are attempting to collect a debt.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (PA)

well XXXX got me, gave be a better deal was to pay of my XXXX and they also took 4 of my phones, well when I was a the XXXX store I let the XXXX guy get into my XXXX to have all payments cleaned up, 3 week later nothing I was turned into the collections agency 's for my XXXX, so I paid that, then every other day I would call to ask for a manger or would drive down well the guy who took care of me got fired but yet I was still determined to get to a manager, XXXX XXXX XXXX XX/XX/2017 was not able to drive for a few but could call, still no manger well was ready to do some driving still no manager to talk to so will XXXX breaking contract first buy not paying XXXX I shut XXXX off not only they owe me XXXX for paying back XXXX they also owe me for 4 cell phone they lost well here I am I disputed this with XXXX and was deleted from my report XXXX XXXX account # XXXX now someone else have bought it and placed all creditors on all my 3 reports I don't know what to do, not only have they lost it also fraud thank you XXXX XXXX XXXX
Consumer complaint received 2018-07-30
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. (NJ)

My navient student loan payment is due the XXXX of each month, on auto-pay. On XX/XX/XXXX, I received my monthly statement that my payment due XXXX was {$180.00}. Previously, my payment was {$180.00} and I was curious of the change, since I am fully paid off XX/XX/XXXX. Thankfully, I logged into my account on XX/XX/XXXX to examine the change. Online, it stated my payment due was {$190.00}, I believe. I spoke with navient earlier and asked them to discontinue auto pay. I was never notified that my payment increased. This is not the first time they have increased my payment without informing me.

While online, I noticed my outstanding balance with them is only {$430.00}. Yet, they are telling my I have five remaining payments of somewhere between {$180.00} and {$190.00}, I never asked for conformation on that. When I asked why I was paying so much more than my outstanding balance, the customer service agent told me because I had always paid on time ( just shy of the 10 year repayment ) and never modified my loans in any way, the system had not recalculated my payments correctly. However, there is new " schedule begin date '' of payments that starts XXXX. 

Navient previously increased my payment on XX/XX/XXXX. When I called to inquire then, I was informed that to be paid off within my 10 year time frame, my payment needed to increase. Clearly, my payment did not need to increase then. When I asked the representative today what the solution was so I did not overpay, she told me I could just pay the {$190.00} and I would be paid off earlier. As excited as I am to have my loans paid off, my budget is tight right now, and I would rather not pay more than I planned on such short notice. However, I will probably just payoff 2 of my 5 small loans, and make minimum payment on the other three. This amount is actually about the same as my payment.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CO)

I had fraud on my Wells Fargo Credit Card the end of XX/XX/XXXX and funds returned XX/XX/2018 in the amount of {$1200.00}, this was including the Adjustment Purchases and Interest adjustment as well and these were International charges as well. Wells Fargo replaced my card with a new one as well. On XX/XX/2018 my account showed 2 bank adjustment 's one for {$430.00} and the 2nd for {$140.00}. I saw these charges XX/XX/XXXX and called in about them. They explained that one of the International merchants had returned funds and it had gone to the old credit card number that had fraud on it originally ; the system in error did a bank adjustment on my new card and added the two amounts making me responsible in paying them back. They stated that the system would correct the error in 24 to 48 business hours. That time passed and I called back again being told the same thing, they stated that they would do a manual adjustment so those charges would be removed from my account but it never happened. I was then told in the beginning of XX/XX/XXXX when I called back that the fraud department was not allowing the correction to be made. XX/XX/XXXX I called customer care to request a case be opened as I was beyond frustrated by this situation. The customer care representative agreed that there was an error and attempted to resolve it with fraud and had no luck. He opened a case # XXXX and told me it would take a few days. A week passed and I called again XX/XX/XXXX and was told a XXXX  was assigned to it but nothing had been started yet but I would hear back from him. I still had not heard anything and called XX/XX/XXXX XXXX and spoke with a XXXX XXXX who was very helpful. She also reached out to fraud and found them to be very frustrating, she compiled an email to make clear what had happened and what needed to be done. XX/XX/XXXX she let me know she was told by a fraud manager that they  would make the corrections and would credit my account the {$570.00}. It would again take 24 to 48 business hours to complete. I checked my account on XX/XX/XXXX and saw that they did not credit my account but did a balance transfer of two amounts of {$140.00} and {$430.00} ( the original amounts that were to be removed ) as a debit to my new card. So I am now carrying a balance of {$1100.00} on my credit card that were from fraudulent charges. Wells Fargo has not fixed this error and has only made this worse. This high balance on my card is affecting my credit and I am being held responsible to pay for charges that are not mine. I will attempt to call back again to try and resolve this situation but I feel I am being victimized by Wells Fargo by them not fixing this error ( s ).
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (FL)

Pinnacle Credit Services is attempting to collect a debt to which I do not owe. The original creditor is XXXX XXXX and I was recently notified that I was illegally billed by XXXX for services that I did not receive. XXXX was recently sued by the FCC and CFPB concerning their illegal billing practices. The results can be seen here : https : XXXX
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BWW Law Group, LLC (MD)

when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, XXXX XXXX bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Only XX/XX/2018 i upgraded my Equifax membership with the Equifax 3 Bureau Credit Report and Score which is offered on the equifax website. 

I noticed with this 3 Bureau Credit Report and score, both my Equifax and XXXX did not generate my current credit card although it was reported and both showed a much lower credit score Equifax went from XXXX to XXXX although i have no negative accounts or late payments. 

I called Equifax on XX/XX/2018 when i was made aware of this. I was also told there was a glitch, I noticed Equifax was reporting a fake score for both Equifax, XXXX and XXXX   and i made the employees and supervisors aware of this. 

During the week of XX/XX/2018 i was told the errors would be corrected and updated in a in 2 - 3 days, so i waited and nothing happened.

I Called back again on XX/XX/2018 and was told by Equifax they are aware of this credit score and reporting glitch and they are working on it and it would be fixed by XX/XX/2018. 

Instead of calling back on XX/XX/2018 i waited until Tuesday XX/XX/2018 to try and get an accurate credit score and report, and was told they are still working on it by a supervisor and was told this glitch would be fixed on XX/XX/2018. 

So i waited a few extra days to call back and made another phone call on XX/XX/2018 and spoke with an Equifax employee and was told they are still working on the credit score and report glitch, this employee told me i will need to wait 7-10 additional days for this error to be corrected, i told this employee i have been waiting on a fix to this fake credit score since XX/XX/2018, this employee responded sorry sir there's nothing i could do about it. so i asked to speak to a supervisor, the Equifax responded he will tell you the samething. 


Finally after 15 mins of being on hold on XX/XX/2018 i was transferred to a very rude, nasty, and disgusting Male Supervisor by the name of XXXX, very trashy and dismissive attitude, I tired to tell this supervisor the problem, but he kept cutting me off and talking over me, finally when he allowed me to get a word in, I told him this has been going on for weeks and nobody has solved the issue and everyone is telling me the same. 

Supervisor XXXX responded it will take 7 - 10 days to solve this problem, i explained that i received similar reply 's weeks ago and nothing has happened. This supervisor started to become rude and nasty, telling me i need to hangup, why am i still on the phone etc ... They way he responded didn't seem real. it was shocking! 

and as of XX/XX/2018 Equifax is still displaying fake credit scores.
Consumer complaint received 2018-07-30
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 — Investigation took more than 30 days
Company: United Student Aid (USA) Funds (MS)

USA funds under XXXX Are trying to say that the information that I sent including a police report does not count and that for some reason the student loan is valid. Even though I sent numerous amounts of information to them to prove otherwise. I will be seeking legal action
Consumer complaint received 2018-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

I went to work in XXXX in XX/XX/XXXX. I intentionally missed one mortgage payment, so I would not be overseas with no money. With my first paycheck I caught up on the missed payment along with the payment due for the following month. A few months later I noticed a {$5.00} fee on my bill, so I called to inquire as to what the fee was for. I was told I must request that information in writing, so I did. The response explained that foreclosure proceedings were initiated at my expense of {$55.00} and charged to my account at {$5.00} per month until paid off. I never received any notice of foreclosure and, because I have equity, I believe they were trying to steal my home in a very unethical and possibly illegal manner. 
I believe it was XXXX last year I accidentally payed my mortgage twice. There was no payment due but Ditech put my accidental second payment toward the XXXX payment instead of toward the principal. In XXXX of this year I received a bill with the statement date of XX/XX/XXXX and the due date of XX/XX/XXXX. I payed {$800.00} for a {$570.00} mortgage due. I then received another bill with a statement date of XX/XX/XXXX with a due date of XX/XX/XXXX. Why am I being billed twice for the same payment, especially after it was paid? 
Another issue is my interest rate. I have a variable rate and it has been increased by .5 % twice over the last two years. I have called several times for an explanation and to find out which index my rate is attached to. They refuse to divulge that information to me and I am put infinite hold each time. I wish to research the index my mortgage is attached to and see if the interest rate increases were valid. I believe, because of their elusiveness, that the increases are not legitimate.
Consumer complaint received 2018-07-30
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: SUNTRUST BANKS, INC. (GA)

I contacted the Bank ( Suntrust ) in or around XX/XX/2017 to raise a chargeback against the merchant for services not describe. The merchant presented themselves with having the opportunity to trade and invest in a regulated financial products, such as Cfd, s stocks and options and other regulated financial instruments. However, I prove to the bank that the merchant was unable to provide said services on their website, since the merchant in question, lacks all necessary required licenses. Therefore the merchant is in breech of contract, thereby giving the bank the reason to raise a chargeback for services not as describe since the merchant couldn't provide the describe services. This is clearly a misrepresentation. Therefore this is fitting to have a charge back initiated under services as not described.
Consumer complaint received 2018-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

I received a credit alert regarding a collection from first credit services, this company me one day and i informed then this debt was not mine and they need to contact the gym for more information, i never received a debt validation letter or itemized statement with amount of charges.
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

AR RESOURCES INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX told them account was not my no response was giving
Consumer complaint received 2024-09-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FC HoldCo LLC (FL)

I had an auto loan financed with Flagship Credit on XX/XX/XXXX. I started to struggle with the payments in XXXX which resulted in my default. Flagship during XXXXwhere their collection associates called numerous times a day every day of the week. If I did not answer the call they would call over and over again and leave no message. They called my employment phone after I advised that I could not receive calls at work. Then they began to call me on my mobile telephone during my work hours, again I requested that they not call during those hours to no avail. I did not provide permission for them to call my cellular telephone. They continued to call my cell phone numerous times a day and call me back the same day after talking to me already. The associates then began to curse and threaten to report me to the police and have me cited as well as call and tell my employer of my debt. I advised caller to cease and desist and that they were in violation of the fair debt collection act to which they laughed and called me more derogatory names. 
I provided a written request to cease and desist. I still received a few calls. I finally got a XXXX and we discussed the fair debt violations along with calling my cell phone after I advised to not call same and an agreement was made that the violations and the remaining debt was a wash. I agreed to surrender the vehicle. It took until I called again months later advising that I was going to cancel insurance on vehicle and they needed to pick up the vehicle. Finally they picked up the car, in XX/XX/XXXX. Based on the agreement discussed, I assumed the matter was complete. 

I received a class action card for Flagship based on their violations of the fair debt collection act. This information certainly backs my interaction. 
In XXXX of XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX bought a group of collection accounts from Flagship. The next thing I know this new company files a legal action against me for over {$10000.00} in XX/XX/XXXX. A span of nearly 4 years from the time of repossession to legal action. 

I have advised new company of the issues and that my debt was not with them. However, now they have attempted to have a judgment entered against me with the court. 

I dont understand how a company like Flagship that clearly violated Fair Debt Collection Act can later sell its collection accounts for money to another company to put those people through the mud once again.
Consumer complaint received 2023-06-07
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. (NV)

I called TransUnionXXXX after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying a credit monitoring of my report to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are such an error on my file that needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I have been a customer of Amazon.com for over two decades. 

I had always used my own credit card. 

I was recently offered an Amazon Credit card via Synchrony Bank with a promise of a " SOFT ENQUIRY ''. 

I accepted the offer assuming it was a Soft Enquiry.

However, it is now showing up as a HARD ENQUIRY and thus adversely affecting my credit score.

I would not have agreed to the Card had I known it was not going to be a Soft Enquiry.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against TRANSWORLD. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.