davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P. (OH)

I live in XXXX, but in XX/XX/XXXX I took a temporary summer position as a XXXX and worked in XXXX, XXXX. I got cable service with XXXX XXXX. I returned to XXXX in XX/XX/XXXX. In XX/XX/XXXX, I became aware that my FICO score had dropped to XXXX. For over 30 years, it has been at least 800. I checked my credit report and found that a XXXX XXXX XXXX of XXXX XXXX had placed negative information on my report. I called them immediately. They said they were collecting a past due account for XXXX XXXX. They said I still owed a portion of my final cable bill. I asked why they had not contacted me. They claimed they had. Apparently, they were asking for a XXXX XXXX. I receive a number of calls with no caller ID. I do not answer them as I am inundated with solicitation calls despite being on the do not call list. I paid the bill in full the next day with a personal check. 

I called XXXX XXXX and complained. They were sympathetic but said there was nothing they could do once it went to collections. I do not know why XXXX XXXX did not contact me. I paid my by personal check the entire time and it had my home address. SouthWest was somehow able to locate me and put a negative report on my credit report, but they could not send me a letter. I think this is grossly unfair!! I want my XXXX FICO score back asap. It is my understanding that negative reports will remain on your credit report for seven years. This is not fair!!
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i had a loan mortgage for which was transferred to another lender, but prior to transfer was with XXXX XXXX XXXX XXXX. account number XXXX on XXXX of 2016 the lender is reporting a late payment on mine and my XXXX boys credit report, because they are a share holder on this house. 
so basically they are ruining and reporting inaccurate information for XXXX innocent and honest people due to their error. 
nevertheless my boys are serving this country for many years now, they are in the military and serving for 6 years now. at that time that this misinformation happened XXXX of my sons was XXXX to XXXX and we were very worried. i believe i deserve the fact to have this inaccuracy removed just for the fact that i have given my sons for this country for which i am very proud of. please i need your help to have these late removed from all of our reports. 
appreciated. i believe we do deserve after going through lifetime of worry as a military family. thank you
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA Federal Savings Bank, and USAA XXXX XXXX XXXX have frozen my investment account, Roth IRA, checking account, and savings account. There is no legal judgment against me, and USAA has not explained their actions. 

I receive my XXXX XXXX check electronically deposited into my savings account, which they have frozen.
Consumer complaint received 2017-08-30
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. (TX)

The first and most prevalent situation being the financial, I secured two different student loans totaling {$74000.00} through Sallie Mae, then consolidated them in XXXX to begin repayment. Over the years the loans were consolidated and that consolidated loan was transferred to XXXX  XXXX. During the life of this loan I have made 187 full and partial payments averaging {$620.00} per payment for a total of {$110000.00} paid toward principal and interest on the loan. There have been times that I have deferred payments through XXXX Forbearance option, for an estimated total of 25 months out of the past 209 months. 
A side note, Navient is currently being sued by the States Attorney Generals of Washington and Illinois for predatory lending practices and over use of the Forbearance option which is vastly more expensive for the consumer as compared to other available options for payment allowances. Navients preferred use of the Forbearance is predatory and overwhelming slanted toward enriching Navient. 
This loan is compounded daily at 8.25 % interest, during the forbearance periods that I utilized, the interest is capitalized thus increasing the principal balance at a rapid rate. Meanwhile, at no time does Navient provide monthly statements itemizing the principal balance, capitalized interest added or the new balance amount, thus leaving the consumer virtually unaware of the compounding affect of forbearance on their overall position with Navient. The total capitalized interest as per Navient records during times of Forbearance totaled to {$28000.00}, meanwhile the current principal balance has increased from the {$74000.00} to a new total of {$83000.00}, despite 187 payments totaling {$110000.00}. 
I am not a forensic accountant but I do have a better than common understanding of accrued interest and debt service. these numbers combined with Navients failure or refusal to produce monthly statements itemizing totals and balances, lends me to suspect outright fraud. Navient will only produce documentation pertaining to payment history and capitalized interest ; there is no record of past or new balances on a monthly or even annual basis. If, for lack of any other choices, I continue to pay off this loan through full amortization I will have been required to pay $ 750+ per  month for a total of {$270000.00} ending year XXXX, for an original {$74000.00}, I will be XXXX years old. If this is the price for bettering yourself, what is the point?
Consumer complaint received 2017-08-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

For the last several months I have been attempting to go through the Loan Modification process with Select Portfolio Servicing ( SPS ). Even as of 1 hour ago ( literally ), I was told that I have submitted all of the documents that have been requested and this was done the week of XX/XX/XXXX, so it has been several weeks. 

They ALWAYS find something wrong with the documents i have submitted. I have heard every excuse from them - Like " they can not read what I have submitted ( even though its typed ) '', they " can not find the information on a bank statement '', even thought it is in plain view and circled. Or, " please submit again, we do n't have that info '' ... when I have already submitted it. XXXX will also randomly call me and hang up, I have records of all these calls, at least 2-3x per week. I am assuming someone is calling me back but does n't want to actually speak to me or help. 

My RELATIONSHIP XXXX changes every couple of months so every time I am lucky enough to get someone on the phone ( which is rare ), they do n't know anything about me or my situation and it must be explained again and again. I have had 4 RELATIONSHIP XXXX in the past few months. I have 3 of the 4 names, one I can not find. XXXX XXXX, XXXX XXXX, and XXXX XXXX. None of them want to help me and I get the run around. I submit documents EXACTLY how they ask for, then they will claim that they can not read or find something when it is plainly stated on the document. 
They have an excuses for everything. If you just XXXX " complaint or scam '' and XXXX or XXXX XXXX XXXX ... you will literally have thousands of posts come up so I am not the only person dealing with this. 
Sincerely, XXXX
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (WV)

I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Orions Management Group, LLC (TX)

This debt collection agency has engaged in practices that are explicitly prohibited by the FDCPA, which include abusive, deceptive, and unfair actions. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to ORIONS MANAGEMENT GROU, constituting another violation. It's important to note that my personal information was compromised in a data breach, information that your company, along with the credit bureaus, would have been aware of had an investigation been conducted. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed within 30 days, I will have no choice but to involve my legal attorney to address this matter through small claims court.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (GA)

I opened an business checking account with US Bank on XX/XX/ and deposited {$16000.00}. They closed my account without my authorization on XX/XX/ and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license to verify my address ( front/back ), social security card ( front/back ) and two billing statements from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( the originating bank that I initially requested to transfer the funds to US Bank ). Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. I've sought help from my originating bank ( XXXX XXXX XXXX XXXX XXXX XXXX  ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. 

XXXX from US Bank XXXX Customer Assurance DDA Fraud and Risk Prevention Office of the President ( see attached documents ) said that US Bank will return the funds back to XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( after 15 business days from XX/XX/XXXX ). It is XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has still not received the funds ( {$16000.00} ) even after 25 business days. 

US Bank Reference Number XXXX Account number : XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of the information, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the furnisher whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The funisher of the information never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2019-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc. (GA)

My father, XXXX XXXX died XX/XX/2018. A man from First Financial Asset Management called about an unspecified debt. He would not clarify the debt he claimed was owed but he demanded my fathers death certificate and my POA. I am his executor and the Will has been probated. I am told after death a POA would be invalidated. I gave the man an address where he could send documentation of the purported debt but he continued to ask for proof of my fathers death.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

According to 1006.34 Notice for validation of debt ( a ) Validation information require.

( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required By 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; or .....

( 4 ) Validation notice means a written or electronic notice that provides the validation information required by paragraph ( c ) of this section.

( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or assumed to receive the validation information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Has 30 days to validate these debt.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX XXXX supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Consumer complaint received 2017-08-31
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. (TX)

I have been a victim of Trans Unions Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX So many are duplicates as well.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (GA)

Rent recover solutions reinserted an account to my report without properly notifying me within 5 days which is against the FRCA. As previously discussed with this company, this is not my account, I am not responsible for this account, and I do not have a contract with this collection agency.
Consumer complaint received 2017-08-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Hi all, I 'm in a limbo because I 've sent a SEPA transfer on XXXX XXXX XXXX 2017 to Coinbase account, and after verification process Coinbase said It did n't never receive it ( I have an open ticket with coinbase ). 

I have contacted my bank and it said the transfer was OK, but the amount has not sent yet to my EUR wallet. My bank is sure about the payment : was correctly done with all information required and to the right destination. 


I 've sent payment trace of the transfer to Coinbase and all was required, but my payment is disappeared!
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I initiated the dispute process only to have the reporting time on the items in dispute reset and now listed as " on record '' until  XXXX . This is on some items first incorrectly reported in  XXXX . To top it off the report of the results provided by the credit reporting agency does n't provide a clear and concise description of the findings. Or what changes were made to my report if any. They do n't show me what the details were and what was changed.
Consumer complaint received 2019-07-15
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: FC HoldCo LLC (IL)

I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

All three credit agency are refusing to send me my credit report do to they say they can not verify my idenity but if i go online fill.it all out they can verify my idenity do to questions i answer an wan na charge me by law im intitled to one free credit report once a year there refusing to send me my credit report saying do to my new address not being here long enough ive been in XXXX 3yrs there is no other address to giv them plus threes years before that i was XXXX XXXX XXXX my id dnt have this add.my bills are all electronic i believe some1 has used my idenity for a mortgage loan and a home equity loan while i was in prison someone scaming is gon na do what ive been doing to get my credit report i need to see whats in there so i can address it right away my names XXXX XXXX thank you.please help me.