davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (OK)

I received at unverified email from Discover concerning a past due amount on my account of approximately {$37.00}. I 've never had a missed payment with Discover, so immediately called the number on the email. The next 20 minute were the most invasive, pressure filled customer service encounter I 've ever experienced. The operator proceeded to tell me that I had only paid {$30.00} of a {$67.00} bill and I had been accessed a late fee of {$27.00} and interest penalty ; however, if I authorized her to get into my XXXX XXXX XXXX checking account she could take my money. In shock about her knowing my bank account number and threatening to access the account, I explained that I was driving and preferred to wait until I returned home to review my statement, payment history, and to make sure this was n't a scam. Immediately, the representative asked why I would doubt she was legit, because I called her? She stated that unless I gave her permission to access my XXXX XXXX XXXX account or made an phone payment, I would be penalized. Again, I explained I did n't feel comfortable giving her access to my banking account. At this point, I felt very uncomfortable and bullied. Remember ... I 've never missed a payment. Why was I being bullied by a collector for a {$37.00} payment 10 days past due? She then insisted on taking my cash rewards of {$38.00}. When I refused she again applied undo pressure. I refused all of her offers and her tone changed from aggressive to anger. I let the call with, I 'll contact customer service when I get home. I made a mistake on the payment and immediately called the number listed on my statement. The represenrative seemed to be sympathetic to my situation at first, but then immediately went into collection mode with the same barrage of questions, including having access to my checking account. She used my rewards to bring the account current but refused to reverse any charges because I would n't pay next months bill in advance. She asked me a lot of questions almost like an interrogation. At this point, I had had it ; refused to answer any more questions and explains that I had taken all I was going to take in one day. It was the most brutal customer service experience I can ever remember encountering. I am a XXXX. In my 21 years in this position and XXXX I do n't know that I have ever experienced anything like my two experiences today with Discover Card. As a long time loyal customer, I will sever ties with Discover Card, and will communicate with the CEO my incredible experience.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00}
Consumer complaint received 2016-05-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (NC)

My car payment was due on XXXX XXXX, 2016. I was not able to pay this payment until XXXX XXXX, 2016. My car loan company is with Coastal Credit, this company call numerous time a day, from texting, cell phone calls, and house calls. Finally, this company sent a stranger to my house on XXXX XXXX, 2016 who never identified himself, only stated he wanted to hand me a letter from Coastal Credit, and requesting that I call them in front of him, while he was there. So I called Coastal Credit and I was put on hold for while and I finally told the man I had things to do and I paid my car payment on XXXX XXXX. The man verified my information, it was the same information that Coastal Credit all ready received, and the man then left after verifying information. Shortly after this Coastal Credit representative who name is XXXX called and left message on my phone to call her before Monday and she did not see the payment that I stated I paid. So I call Coastal Credit and I was unable to talk to XXXX due to the representative saying she was on the phone with another customer. So I begin stating that the reason why I was calling about the car payment and sending a stranger to my house. The representative begin to tell me that she did not see the car payment as well and I told her I did send it and the payment is showing up on my debit card transaction. The representative then proceed to say let me check another system, I was placed on hold again, and the payment is in the other system. So I begin to express my frustration with this situation, particularly with XXXX stating she did not see the payment, and sending a stranger to my house. The only answer the representative could give me is the stranger sent to my house is another way of communication. I told the representative I have previous loan companies and no one has ever sent anyone to my home. The representative told me she was not going back and forth me. I also told the representative that maybe they should check all there systems before stating someone did not pay their payment. Now granted I was late due financial issues and I have been working extra to catch my bills up, but I do not feel like I should be harassed like this from this company. Is this legal for a company to act in this manner?
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank account ending in XXXX with XXXX  amount of {$640.00}. XXXX XXXX XXXX has the account XXXX in collections. I had no knowledge of this account. I have been receiving up tp XXXX or more calls per day. I also reported it under my credit report.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management has sent letters regarding a debt of {$640.00} that I owe them. I spoke with a company representative directly and was told to disregard the notice because the SSN associated with the account did not match. The recent notice I received is threatening legal action if some or all of the debt is NOT paid by XXXX XXXX. I spoke with the original creditor ( XXXX XXXX Bank in XXXX XXXX, NV ) and was told that there was no account registered under my SSN. This account has not been removed off of any of my credit reports, and I have recent submitted a complaint to the Federal Trade Commission with an affidavit to submit to the XXXX. Someone fraudulently used either my name, address, or SSN to open and close the account.
Consumer complaint received 2015-08-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

Calls from this company off and on for at least XXXX years. Each time I have to prove I am not the person they are trying to contact. Each time they say they will take my number off the list only to have them calling me again a couple months later.
Consumer complaint received 2023-07-06
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)

I disputed these accounts with XXXXXXXX XXXXXXXX XXXX XXXX  many times.The last time was XX/XX/2022. My name info is incorrect as well. My address is incorrect too.On XX/XX/2022 I put a fraud alert to secure my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A collections account XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed with all these accounts they do not belong to me, please. 
Remove. In accordance with the Fair hearing Reportingmay make Act 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any adverse line of information other than records or condition
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (MI)

American Express ( AMEX ) is charging me {$3000.00} in fraudulent charges. While I was in XXXX, my colleague and I visited XXXX of their night clubs. I received my bill for {$1600.00} and paid it with my XXXX credit card. After talking with the management about the service that I received, they agreed to reduce my bill and charged by AMEX {$1200.00} and told me that they would void my XXXX transaction. Which they did n't and I had to file a separate dispute with XXXX, who immediately credited my account. My colleague received his bill for {$3000.00} and was unable to pay it due to not alerting his credit card companies that he was over seas. After multiple hours of waiting for him to settle his bill by talking to the credit card companies over the phone, I finally agreed to pay his bill so that we could leave. The night club charged me {$3000.00} and then {$2600.00} for the same bill. As soon as I received my alert from AMEX on my phone I immediately called and told them that this club had XXXX charged me. AMEX claimed that I had to wait for the transaction to post before I could dispute it, in case it was simply a hold placed on the card while they checked to see if the larger transaction would go through since my colleagues cards had been declined. Once the transaction posted, I disputed the charge for {$2600.00} and was denied. I then thought that perhaps the {$3000.00} was the fraudulent charge and disputed that, again they denied me. Next I showed them how XXXX receipts had the exact same service listed and again disputed XXXX of the charges and they still denied me. None of these times was I ever contacted my AMEX or explained why they felt that these XXXX charges were valid. For a company that actively promotes their protection against fraudulent charges, I was extremely disappointed. Especially since I was willing to pay the other XXXX charges without any problems and have done a lot of business with AMEX over the years.
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have sent numerous comoldings on XXXX XXXX XXXX XXXX. I have madeany phone calls that have not been returned by XXXX XXXX XXXX. I sent to them my information about the identity theft but again no response. I have also requested from them a copy of the SIGNED contract from Capital One Bank and they have yet to provide it. They have now sent me a Motion of Summary Judgement that I received on Saturday, XXXX/XXXX/2016. I plan to file my rebuttal with the court clerk no later than XXXX/XXXX/2016. This DEBT IS NOT MINE!
Consumer complaint received 2016-11-11
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: LOBEL FINANCIAL CORPORATION (CA)

At ot around XXXX Lobel financial send a tow truck company to repossess my car. I was not home but my mother XXXX several of my family members were home a sleep the man banging on the front door waking everyone in the house and disturbing the peace. I feel this violate the XXXX fair debit collection in business and professional code.. I did not receive any documentation from the tow truck company. my car windows do n't roll up on XXXX side of the car and XXXX does n't go down I feel that my truck is not safe. They did n't give a invoice of the property in the truck. I called the company they had no idea what tow company has my car or were its at. And told me to call back very rudely. This is my frist repo. 
I just got a transmission rebuild that cost XXXX in the begging of the year. lobel fincal knows my car was a lemon. And told me there 's nothing they can do about it. The car value on paper is not the proper price for the vehicle.
Consumer complaint received 2016-05-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am behind in my car payment. I received a call from the company today. 
The date is XXXX/XXXX/16 and it 's a Sunday. I was told in the voice mail I received at XXXX to call them today until XXXX to discuss the issue. 
I called the number they provided but no one is there to take my call. 
They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on XXXX/XXXX/16 at approximately XXXX but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Second Round Limited Partnership, Austin, TX Branch (CA)

XXXX Bank # XXXX - SOLD to : Second Round LP Acct # XXXXThis account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the XXXX account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at XXXX Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at XXXX then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written XXXX numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *Second Round LP Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.
Consumer complaint received 2016-04-26
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SUNTRUST BANKS, INC. (NJ)

A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. 
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. 
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. 
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.
Consumer complaint received 2015-05-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (TN)

I deposit appoximately XXXX in order to cover all my bill payments. The bank name Wells Fargo has charged me overdraft fees for no particular reason, I was told anytime, when you deposit funds in your account when your balance is in the negative, and you deposit your funds into your account, there should be no overdraft fees. While Wellsfargo charge me up to XXXX overdraft fees, for nor particular reason. and could not address the issue of why the bank did so. I was told by a rep that if my account access a overdraft fee is to call back to the back and the bank will resolve the issue. Well I was misinformed about the situation when I talked to another rep, to resolve the matter. And the rep told me I should have gotten the rep name and number. I feel like Wells Fargo is a scam. Why would I get the rep number and call the rep concerning my account. I was treated very unfairly and I decided to file a complaint. Wells Fargo has charged me XXXX in overdraft fees.
Consumer complaint received 2016-01-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld System , Inc. ( XXXX ) has repeatedly called my home several times a day for over a week. Knowing that we do not have any late bills, we called them back to day ( XX/XX/2016 ). The agent who answered asked for the ID number that they left on our answering machine. She asked me if I was XXXX and I said no. when she asked me who I was, I told her I was her mother. I then asked what debt my daughter supposedly owed and she refused to tell me. When I told her that my daughter was dead for over 11 yrs. and again asked what the supposed debt was, she refused to tell me and hung up.
Consumer complaint received 2015-10-08
Product: Other financial service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Travelex NY, Inc. (OR)

Returning to the XXXX I exchanged XXXX at the Travelex XXXX at the XXXX XXXX Airport. The buy exchange rate posted was XXXX XXXX $ per XXXX. Rather than multiply that rate times XXXX ( XXXX XXXX XXXX = {$230.00} XXXX, the person at the counter divided XXXX XXXX = {$210.00} XXXX. I was shortchanged {$19.00}. I recognized this at the time ( I am an XXXX so I know these things ) but did not say anything because I had to catch a tight flight connection. My suspicion is that the person at the desk or her manager or maybe even the company does this routinely as a scam.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Usaa unfairly closed my account due to fraud which i did not commit and vague basis so now they sinister ways closed my account for good without merit or evidence and just assume i abuse and fraud their account and just misunderstanding the account the operator told me to close credit card and get a new card not knowing she was leading to the wrong direction on how to handle card fraud she told me to. Close account anyway just to be safe and the bank think I was misleading them which I did not intend to do because they saw the other transaction I admit I did but was confused on the other transaction so I followed the USAA operator and I closed the credit. Card to get new XXXX and now they closed my account because of fraud and mismanagement so that was unfair and unjust I 'm so frustrated now they gona close my bank accounts too and not do business with me all because the lady told me to closing knowing full well there was a big chance USAA will close the account it was disrespectful for a banking institution to do that at their discretion without credible reason and evidence it 's sad and unfortunate and it right now they want to no longer with. Me I. Ca n't even dispute. My them all in deaf ears it 's so rude too
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX  ( original creditor : XXXXXXXX XXXX  ) Account Number : XXXX Specific Issue : I noticed a discrepancy in the " Date Opened '' for this collection account across the credit reporting agencies. 
I
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

I took a loan for school. After I graduated I was unemployed and went on forbearance. I was unclear what that meant to the loan. I was then advised by lender to consolidate the loan which I did. My loan was then sold to Navient and when I requested to refinance the loan they said I could not. I asked what my old interest rate was and they could not provide it. My loan balance is above {$20000.00} 10+ years out of school and I only borrowed just above that. I am confused, feel I have been mislead, and need some help understanding what happen with the consolidation.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (PA)

I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (NY)

I received a bill from Paypal Credit in XX/XX/2016 for {$110.00}. As I have not used Paypal for anything in over a year I called the phone number on the bill and asked what this bill was for. I was told I was calling their debt collection department and that the bill was for a purchase made at XXXX. I explained that this must be a mistake on their part because I do not go to XXXX and have not used my Paypal account for a really long time. They were unable to provide a phone number or a signature associated with this charge but offered to check to see if it was fraudulent charge. I received a letter a few days after that, saying the did not detect any fraud in this case. Again this month I received a bill from Paypal this time for additional charges of {$35.00} late fee and {$2.00} interest charge. I have looked up my account through the Paypal website because I was considering reporting the incident elsewhere, to see if I could find any information about the transaction myself. The website stated no transactions have been made to my account in over a year! I was unable to print a copy of this with the name of the website visible or I would have sent this in. Since Paypal continues to bill me for a charge a did not make, I would like some intervention by the CFPB in this matter. I am also sending copies of the bills and the letter I received from paypal.