davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Alliant Capital Management LLC (FL)

I recently had debt to settle had no problems with that. I been trying to restore my history so if I owe I was pay. But Alliant capital management had a representative call my phone. When I ask for verification of the debt thats where it got out of hand. I was told they he was a lawyer which is a lie and that he did n't need to send me any info about the debt at all. Which scared me I recently had my bank info stolen. So i was a little unsure about just giving out my info. I wanted some simple paperwork to prove this person is legit. He got highly upset and ask if I had a lawyer because if not I will need one. I think it was a scar tactic. My I repeat he said he was with a law firm and not a collector. And that I wanted simple paperwork to be mail to me that is all. But no he hung up in my face. That after me threaten me to get a lawyer. I had no problems paying. I did a little resource may I add they called from a local number so I was scar at that. I try to google the number no businesses came up at all. I got even more scared. I thought somebody was trying to get into my bank info again. So I called the same number from another phone. It sent me to a operator. She told me it was alliant and they was trying to collect a debt. She ask who I was talk to. I could n't remember his name. She went me or I ask to be sent to a different person. I also google they and found a New York address and phone number. I called and got in touch with somebody. I told me it was alliant and ask for my name and that they was contacted to collect on a debt. I and to do all of that to verify the source was right. When the person who contacted me could have told me this. So I spoke to a rep. He insured that they are a debt collector and not a lawyer office. I told him that another rep said he was a lawyer. I guess he thought I was lying or he was trying to cover for his co-worker. I came to a settlement. I had no problem in doing so. I issue is the first rep misrepresented himself. I guess trying to scar me into paying. He was aggressive and hot tempted. And not willing to listen to he and trying to degrade me over the phone. I want the taped conversation of the first rep so I can pursue legal matters. He did n't have to lie about who he was I was at work and could n't talk I got confused and scared. I just had my bank info hacked. And some random number called and say do you have a lawyer well get one. If you do n't pay you need a lawyer. Like I was supposed to say well here is all my bank info. All I wanted was some simple paperwork. Or somebody that had a nicer and more calm attitude so we could resolve the issue. He stated I do n't need to give you any info at all I am a lawyer. I called the local non-emergency number because I was scared. I thought somebody was trying to steal my info. I did n't know what to do.
Consumer complaint received 2016-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NH)

I had a repayment plan setup with Navient. I was told that in the event I did n't have money in my account for a scheduled payment I would need to call no later than XXXX one business day before the withdrawal. I called before XXXX the day prior to withdrawl, spoke with someone who shifted my payment date later in the month. CONFIRMED that this was shifted. I received confirmation numbers for the new dates. Navient debited my account anyway on the XXXX putting me negative and triggering overdraft fees. When I called to have this fixed on the XXXX of XXXX I was told that no one knew anything and an investigation had to be performed that no refund was possible until after the investigation and that I would hear back soon. I did n't hear back. I called back on the XXXX of XXXX and was disconnected 3 times trying to get information about my complaint. Eventually I was able to speak to someone who had some magical ability previously absent from other representatives to look at my account. He was able to determine what actually happened was that the " request '' I had called about on the XXXX was n't able to be processed, despite me having confirmation from the rep on the XXXX and confirmation numbers. No one knows anything. I should have been promptly refunded on the XXXX when I called and instead representatives from Navient chose to lie to try and avoid the reality of their actions. 

Navient withdrew money from my account without authorization. This has caused me extreme hardship as I am not able to buy groceries to feed my family. What they did was blatantly illegal and they do everything in their power to make it all but impossible to force them to correct their errors.
Consumer complaint received 2017-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Client is wanting to save her home and has the means to do so - the loss mitt package was submitted to the lender XX/XX/2016 - 7 days prior to the sale date of XX/XX/2016 - the lender is not postponing sale to allow the review, they are now in violation of XXXX
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I wrote a check to XXXX XXXX XXXX as a donation. Although the check was written to an institution, someone at Truist Bank allowed a private individual to endorse and deposit the {$5000.00} check into their personal account. This should be a clear violation of their banking policies.
Consumer complaint received 2017-01-30
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2016 I requested I validation of debt via an affidavit sworn under penalty of perjury. Midland Credit Management , Inc. failed to provide validation and keeps reporting the disputed item on my credit report.
Consumer complaint received 2015-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX - XXXX to cancel was received and signed for. 

XXXX XXXX - I got called by Wells Fargo about making payments, I told them about the XXXX XXXX interaction. 

XXXX XXXX - I got confirmation again that it was received and the loan was to be cancelled. 

XXXX XXXX - There was no movement, I contacted their call center which claimed they 'd get back to be me on Friday by end of business. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - They did not get back to me. Called again, said someone would call me Monday. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - No one called. Called back, told to call on Tuesday. I told them I 'd need to file a complaint if it was n't resolved on Tuesday since they were insisting I send them payments and it was ~40 days now. The Right to Cancel is 20. 

XXXX XXXX - Called back, told to call back the following Tuesday. I told them I 'd need to file a complaint if it was n't resolved today since they were insisting I send them payments.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NY)

Today i called my walmart master card because my card was declined when i tried to make a purchase and i didnt understand why. I had a XXXX dollar credit limit on that card, i always make payments on time or before they are due and i exceed the payment amount every time! Well on the XXXX of febuary this year i tried to pay down my credit card and i have been saving my money every chance i get to pay tward my credit card not only to pay them down but also to use them when i need them because i have a 6 month old daughter at home and i am struggling with XXXX income. So to cut to the XXXX i made a {$940.00} payment to walmart master card my balance at that time on my card was {$1500.00} which should leave me with a balance of {$580.00} left to pay on my credit card. I charge {$300.00} dollars tward it whoch brought it to {$880.00}. So now after i had made that large payment walmart decreased my credit line which put me in debt of {$500.00} without even notifiying me that they decreased my limit and couldnt give me a reason why! I have had this credit card for 3 years i have never made that big of a payment and when i try to pay it down they decrease my limit without any notifications? It makes no sence to me at all! So now my balance is back to {$1100.00} even tho i paid all of that money because since they decreased my limit and put me in debt it made it as if i went over my limit ( this is how they explained it to me atleast ) i spoke with XXXX supervisors and they XXXX said well the letter was mailed 2 days ago, ok so it was mailed but i never receieved it yet the mail isnt that quick i mean come on! I just dont understand how that is right and am wondering if it is even legal to be able to do such a thing! Three years with that credit card and always on time and exceeding the payment amount every month sometimes i even pay 2 times a month but after making almost {$1000.00} payment only then they decide to decrease my limit which resulted in putting me in debt and the over drafting fee which at the time wasnt even concidered over charges because that was my limit! Can they do this. It was like the {$500.00} just dissapeared! Please help me!
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Performant Financial Corporation (SD)

Performant recovery is the designated collector for the Department of Treasury. They instituted a XXXX without following the provisions of 31 U.S.C. 3720 D ( b ) ( XXXX ) by providing notice of their intent to start the XXXX proceedings. The debt is owed to the XXXX XXXX XXXX who have had my XXXX, SD XXXX address since the year XXXX. The Department of Treasury has also had that address as my tax returns reflected that address since the year XXXX. Instead Performant made up an address of XXXX, SD. I have never resided at XXXX XXXX XXXX. We only received street addresses a little XXXX and my new street address is XXXX XXXX XXXX. Then when I requested a hearing on the matter they never gave me Notice of the Hearing and they will not address the fact that they violated my due process rights under the statute. Since Performant has the sole power to request the hearing they are abusing their position by not forwarding my objections to the Administrative Law Judge. Performant 's predecessor engaged in robo signing activities and I am sure that is what happened here. I am recovering from XXXX XXXX and have missed doctor appointments because this money is coming out of my check because my doctors are XXXX miles away from where I live. Performant also refuses to give me an accounting of payments on this debt. I am just seeking the opportunity to negotiate the payments to an amount that I can afford without having to miss XXXX appointments.
Consumer complaint received 2022-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NC)

After being solicited by a dealership from a " Happy Birthday email '', I secured a deal ; however the warranty listed XXXX months. 3,000 miles were given by the dealership. I took the vehicle to the dealership several times for them to assist and " check '' to ensure no major problems. The service manager reassured me up until a few weeks before the car was diagnosed with a transmission issue. With the dealership being 30 miles away. The car was towed on XXXX XXXX, and has been stored until 2,400 worth of labor can be performed. I purchased the extended warranty for 1,266.00. The company refuses to fix the vehicle at its current mileage which is over 61 miles over alloted. A certified letter was sent to the company directly for a resolution. No late payments were recorded until XXXX ; however payments have been rendered despite the vehicles ' storage at the dealership. As a result of reporting from the loan company ; the chance to trade the vehicle with the dealership was denied. A credit report was pulled by the salesman ( without permission ). The salesman stated he was going to see " what was going on with the vehicle ''. He came back with a credit report check document. No further assistance has been provided nor contact from the dealership. After the vehicle fail I did further research and read customer XXXX reviews ; I noticed several customers had a similar experience, and I learned of a federal lawsuit previously brought forth against the loan company. I did not know that this particular dealership was a : XXXX XXXX " everybody rides '' ad within the email. This particular slogan is on local radio and tv stations with the notion " everyone gets approved ''. In the soliticitation email that ad is not stated. I entrusted the dealership to ensure qaulity sales, and products. The vehicle failed at 9 months almost exactly at the correct amount of mileage exhaustion. I also have enticing, and XXXX XXXX  text messages from the service manager ; after it was his determination I was not going to let them manipulate me into beleiving they were being professional since signing. In fact, his actions led more to a situation in validating my opinions of business both inside the office, and inside the service area. During the siging period, I was asked if I was " nervous '', and the statement was made that this would " help my credit alot ''. I was confused because my credit was fair at the time as a widow. I invested almost XXXX  into the vehilce before the XXXX XXXX failure. After a 600 mile spring break trip, the car malfunctioned tremendously. I had to probe the salesman and the service manager for the final verdict on the car 's diagnose. Still not clear. They can not answer the question, limiting fair trades with competitor lots in the local area. The car was purchased post COVID SARS II.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-03-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

In fall XXXX I had placed on my credit report from Account Resolution Center a medical collection debt on my credit reports with XXXX, XXXX and Equifax. I disputed the validation of the debt with the agencies. XXXX and XXXX deemed that after Account Resolution Center provided them only a copy of their own internal account link and debt number where I never created any account with them nor provide any of my personal information with this agency had it deleted. Equifax however viewed it as being valid even though I was never provided any documentation proving the debt is mine. I have sent a personal statement contesting the investigation on XX/XX/XXXX via certified mail which as of XX/XX/XXXX I have had no follow up.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

spoke to rep XXXX  XX/XX/XXXX @ XXXX rep stated a new payoff quote was genereated on XXXX that should have been used ( showing their escrow disbursement ) I explained we sent the payoff one day before that quote was generated XXXX so that would not have been possible. 

I let her know that tax check was cut and sent XXXX and cashed XX/XX/XXXX. I asked if their cash check has been cashed and she stated it still shows as " processing ''. They sent their tax check on XXXX, the county confirmed they have NOT received a tax check from the lender, only from escrow. She asked that I send proof of tax payment to XXXX ( sent XX/XX/XXXX ). 

THEY ARE REFUSING TO SUBMIT PROOF THAT THEY CUT AND SENT THEIR TAX CHECK ON XXXX She finally said that she would go ahead and place a stop pay on their tax check. She asked that I give it a day to Process ( tomorrow XX/XX/XXXX ) and call back on XXXX. 

She also said she is putting in a note in the system that if their stop pay goes through, that I am requesting for our original payoff amount to be honored. 


Called back Monday to be told they never placed a " stop pay ''. 

WE ARE WANTING SPS TO HONOR THE DATE OF THE ORGINAL PAYOFF SENT ON XXXX AND TO REFUND US THE INTEREST THAT WAS COLLECTED FROM THAT DATE ON.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

In order to make sure I had a cushion to support my family, I took {$2700.00} out of my checking account and paid down my {$6000.00} balance ( also my limit ) on my credit card. I was hoping that this extra funds on this card would be able to pay for household expenses and be a backup in case I needed it. I had recently missed a payment due to having XXXX and as SOON as I make this payment ( and feel peace of mind that I have a backup source of money on a credit card ), Chase does a periodic " review '' and decreases my limit by {$2300.00} - almost the exact amount of my payment. Therefore, the money that I had put on this account was basically gone. I called and they seemed sympathetic, said the only thing they could do is review my credit bureau and make a decision over the phone and see if they can reinstate it. I received NO LETTER that they were decreasing it until after they did it. The lady asked me intensive questions on why my balances were high and I explained it was due to having hotels and food for my family while they had XXXX and then she denied it. 
Chase took my money and was extremely deceptive on decreasing my credit line to almost the exact amount of money that I paid it down after only one month being late ( when I have had this card for over 5 years ). 
This was so deceptive in their practices and if I would've never made that payment, they wouldn't have decreased my limit. 
Now I have to figure out how to support my family - thanks Chase. I will NEVER have a card with you again because you are SO deceptive in your practices and I hope you get a UDAAP violation for the way that you handled my account. I will NEVER ever work for you or have your card in my wallet because you are not understanding and don't care about the humans that support your company with their money. Take a lesson from XXXX XXXX.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I recently sent a dispute letter to Experian XXXX XXXX on XX/XX/2022, concerning erroneous information published on my credit report. Its been over 30-45 days & I still have not received a response from them as of yet, XX/XX/2022. I did not send it as certified mail, but I know that theyve received my notice b/c they updated the dates, the amount of open & closed accounts, & 2-year payment history on my report. They have not acknowledged my request, nor have they notified me of the beginning of their investigation process or results.

I want them I to be held accountable for their negligence & the damages Ive experienced from them not committing to completing a proper investigation. As by law of the FCRA, they are required to.

15 USC 623 : 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 USC 611 ( A ) : If the completeness or accuracy of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.