davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MN)

Be advised that someone is in possession of my personal identifying information including name, address, phone, SSN and birthdate. The information was used to attempt to open a XXXX 's XXXX XXXX XXXX credit card via internet. Fortunately Synchrony Financial contacted me as a precaution which resulted in me looking at credit reports. The inquiry was noted at XXXX  I have since put freeze on three credit reporting agencies and taken actions to protect other financial accounts. I have no idea how this happened. The thieves had my husband 's cell number and not mine so that raises concerns regarding how the connection was made to obtain information. I am grateful to XXXX 's for having the extra level of security to verify when someone attempts to open a store credit card via internet. I also wonder what happens in the store itself?
Consumer complaint received 2017-09-08
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. (NY)

XXXX XXXX shows on these date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
Consumer complaint received 2017-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.
Consumer complaint received 2017-09-08
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. (NC)

All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with American Express Centurian Bank first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing American Express, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the OC, American Express assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to American Express, either by insurance or the IRS & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights Consent to publish the description of what happened?
Consumer complaint received 2017-09-08
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: Experian Information Solutions Inc. (TX)

I registered at Experian.com in XX/XX/XXXX, which claimed of providing free unlimited Experian report for its members. I was able to get my Experian report from XXXX toXX/XX/XXXX. Then its website started showing error message and I could not retrieve report from it since XXXX. 

In earlyXX/XX/XXXX, I contacted Experian Membership service, reported this issue. OnXX/XX/XXXX, A representative tried to contact me and left a voice mail. When I called back, I was informed that Experian Membership department ca n't see my Experian credit report ( it 's blank in their end ). They asked me contact the Experian credit bureau department to request a paper report and upload to Experian.com/XXXX. They would open a tech support ticket after seeing my uploaded Experian report. 

I expressed my concern and upset, and the supervisor XXXX ( Employee ID XXXX ) informed me that their department just need to know that my credit report has account information on it, it 's not empty. And I have to request a new credit report myself. I told her that i just ordered my annual Experian credit report on XX/XX/XXXX. Everything looks normal. It was not empty. I have also subscribed ProtectMyID alert, which is also a division of Experian, and no suspicious activity was reported. However, the supervisor insisted that I have to request a new Experian report, and uploaded to them before they try to fix the website glitch. They would not do anything even after I told them i have a XX/XX/XXXXexperian report with correct account info. They further informed that i may need to pay for a new credit report since I had ordered one on XX/XX/XXXX 

The way the membership service at Experian department handled website glitch was so ridiculous and suspicious that it looks like they just want to mislead customer to pay extra to get a paper credit report instead of fixing their website glitch.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (NC)

On XX/XX/2023, company ( Iq Data International ) reported a outstanding balance of {$840.00}. Upon speaking with management, I now have a {$0.00} balance. I have documentation and a letter from management stating I have a XXXX balance.
Consumer complaint received 2023-04-17
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. (IL)

Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, XXXX. XXXX took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Name : XXXX XXXX Account number : XXXX Also on my credit report as : XXXX  This company kept putting late payments on my credit report and I have never used or dealt with them before. I tried contacting them. The information they gave me is incorrect and I filed a dispute with them directly, yet they still havent remove it from my report.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I needed to send a wire for {$17000.00} from Capital One bank. I tried to do it on Friday, XX/XX/2023. I have {$58000.00} in the account I want to wire from. It says you can send a wire from the web site which I tried but kept getting a message that read Sorry error occurred, please try again later ( paraphrasing here ). I called and spoke to a woman on Friday and she said she entered my number on a white list and authorized the wire so I should wait 15 min and then the wire would work. It did not. 
I tried again online on Monday, XX/XX/2023 and received the same error. I called again on Monday and spoke to XXXX employee ID XXXX. He said that he was unable to send a wire, that I needed to do it online. I said I could not do it online because their website was not working properly. He said there was nothing he could do. He told me he was the uppermost management person there that day so I was refused the option to speak to a supervisor. He suggested that I drive to a XXXX XXXX bank, use my Capital One debit card for a cash advance, and then put the money into the recipients XXXX XXXX account. I said I did not think that XXXX XXXX would allow me to do that. I also said that MY money was in Capital One bank and that I wanted to send a wire from MY bank. Not possible was the response I received. I asked if he could change the XXXX limit for a one time transaction and he said no. I asked if he could send a cashiers check to the recipient and he said no. I said its my money and my bank, I should be able to do this. No, was the final answer. Shouldnt I be able to send a wire from my bank?
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (GA)

The company has reported that I have a collection account with them that was opened XXXX XXXX, 2013 ; however, at that time I did not live at a residence that had power in my name. I have repeatedly asked for verification of this debt, but none has been provided.
Consumer complaint received 2017-01-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (TX)

I have had XXXX private student loans with Sallie Mae since XXXX. These loans were reportedly, by Sallie Mae, paid on time, until late XXXX. Payments of {$50.00} a week were sent, which more than covered the agreed amount due each month. 

For 6 years, Sallie Mae only applied the exact amount due each month to the loans, and placed the residual funds in some sort of overpayment account. The loans, for some reason, started to turn up past due, and I discovered that more than five thousand dollars were sitting with their company and not applied to my loans. I was charged interest on a higher principal amount than I should have had. Their company promised that the payments would be corrected, but only after mailing a notorized letter to their company. The excess funds have been applied, after much time spent working with the company to fix the issue, but the problem still persists with my payments showing up as past due. 

I now would like to pay these loans in full, which Sallie Mae requires contact by phone to receive a payoff quote. I have tried to call for 3 consecutive days, and have been on hold for over 4 hours, and I have still not been able to speak to anyone with their company so I may pay these loans off.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I keep getting these calls from XXXX and they never leave a message. So I looked them up and found it to be XXXX XXXX in XXXX XXXX, CA. I do NOT owe anyone anything. I have never been late on a bill in my life, my current bills ( which there are only three ) I have paid in excess of a year in advance. I have blocked their phone number and will not call them as any previous attempts to call such places who all seem to be looking for a " XXXX XXXX '' resulted in abusive service and continued calls. I am NOT XXXX XXXX and again, I owe NO ONE and I am NOT late on ANY bills. These calls must stop or I will have my lawyer involved and sue them for {$1500.00} per call as I understand is my right to do.
Consumer complaint received 2017-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by EOS contacting me, calling me and my family members and sending me letters regarding {$360.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since I had settled the sum in full with XXXX XXXX XXXX!!!. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile 's. this is getting alarming!
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MI)

They are calling me more than 5 times a day everyday non stop. I am unable to pay them right now due to a change in income. I've informed them of this and asked them to stop calling. They are still calling. Barclay 's bank.
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

To whom it may concern, I had two XXXX  one dated XX/XX/XXXXXXXX  the other dated XXXX XXXX. I received a call in XXXX from a collection agency to pay the remaining balance of {$400.00} that they quoted me. I have the receipt in my XXXX account transaction record for a payment to IC System on XX/XX/XXXX the company in question which I have attached below. I assumed the account to be paid in full and received no further communication that I can recall either phone or mail. Today ( XX/XX/XXXX ) I received a call from the collection agency stating I owed them {$400.00} for the services rendered on the above dates. I informed them that I would return their call after checking my records that I believed that bill to be paid. As it had been over a year I had not given it much thought in some time. After finding the payment in my HSA account I contacted the provider XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The agent looked up my account and initially told me that the XX/XX/XXXX date I still owed {$100.00} and that XX/XX/XXXX was paid in full. He then asked to place me on hold to check the account further. After he returned to the line he stated that I actually only owed {$56.00} and he saw it turned over to collection to IC System in XXXX of XXXX with no further info after that. I have not received any itemized bills for this nor any other communication that any balance remained from either the provider or the collection agency until today a year and a half later. I was also not been given an account number or any type of identification for the actual account by either party during today 's calls.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (WI)

Because we could n't come to terms, I advised a XXXX costumer service agent that I planned on cancelling my service with them to go with a different carrier since I was within my 15 days to do so with no penalty, then I disconnected our call. The agent went to the lengths to call me back to offer me a " loyalty plan '' to keep me with them, that I later ( now too late ) found out did n't exists. Ironically I tried to call XXXX numerous times in the following months to get them to honor what I was offered or terminate my contract with no penalty, as I planned on doing before being tricked into keeping it past the 15 day period. Ironically, I could n't get a call back from XXXX when I wanted to, but the agent could call me and sell me lies after I hung up on her. After about the XXXX call in I talked to a rep who offered me a new plan, {$50.00} more expensive ( {$120.00} instead of {$70.00} ) than the plan I THOUGHT I agree to, but I was tired of the run around so I agreed. After that, I had to call back again because the rep who offered me the {$120.00} plan did n't switch it over right. By the time I got my next bill it was {$190.00}. SO AGAIN I called, XXXX final time, to tell them I was done and to cancel my contract as I have been requesting. My intention was to go to get bought out of contract by XXXX of the other carriers but the bill had to be current and I refused to be pay XXXX another dollar after over 6 years of being with them and being treated so poorly. It took me some time to figure out a new phone situation, but I ended up doing so. Next thing I knew I got a {$690.00} bill from XXXX and emails from a debt collector on their behalf. I submitted a XXXX complaint and even that turned into a night mare of unanswered VMs and multiple contacts. I was told multiple things by multiple reps. They both made me offers contradicting each other 's and still based off of the wrong information, and when I asked for clarification and then a supervisor, I was denied both. I was tricked into keeping this contract when I made it clear I wanted out, and was within the time frame to do so without penalty. This the is the worst experience I ever had with a service provider, ever.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC (FL)

Direct recovery services contacted an acquaintance last Friday on how to get in contact with me, Ive never heard from this company directly until yesterday they tried calling me, they also contacted my dad 3x and step sister 3x yesterday alone, I called them last Friday and ask them to stop calling any person I know threatening legal actions, when I spoke with the first gentleman on the phone he stated a name and last 4 of social which at this point anyone can say there me and get the info in regards to this matter but now the harassing phone calls keep continuing and they will not stop
Consumer complaint received 2017-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I went online to pay my mortgage but when I noticed that my payment increased by {$700.00} a month. I called NationStar to ask them what is going and they told me that my Escrow is short and I need to pay {$6200.00} to get back on track. I told them I do n't know what they are talking about because I have been paying the same amount since XXXX with no problems and now all of a sudden my Escrow is short that much, HOW. They said that they wrote me a surplus disbursement check for {$4200.00} last year and my Escrow has been in the negative since and now they want me to pay {$6200.00} back to them. This is not right. Mortgage companies should not be able to treat people like this. I need to speak with someone with mortgage knowledge to advice me what to do. NATIONSTAR/MR. COOPER is a XXXX company trying to take money from my families mouth because they screwed up I feel I should not have to pay for their mistake, since I called them multiple times about that check and the manager assured me that something like this would n't happen and demanded I cash the check.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

CONVERGENT OUTSOURCING Date : XXXX XXXX, 2017 Source XXXX & XXXX Company CONVERGENT OUTSOURCING Address XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XXXX XXXX, 2017 Balance {$2400.00} I honestly do n't know who are they and they are not providing me any information. I even requested and faxed to send me a proof and no one responded and I have my faxed receipt copy