davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland Credit Management contact me for XXXX XX/XX/year>, I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt. 3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied. 4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.
Consumer complaint received 2024-09-14
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. (MS)

I am writing to formally submit a complaint regarding the mishandling of my personal information during the XXXX data breach that occurred in 2017. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. 

Despite being notified of the breach, I feel that XXXX has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by XXXX, but I remain concerned about the potential long-term impacts on my credit and identity security. 

Furthermore, I believe that the measures offered by XXXX following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. 

I urge the CFPB to investigate this matter thoroughly and to hold XXXX accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority (MS)

I made a payment on my mortgage loan but their system didn't register the payment. It pulled from my bank and was returned. I've spent a month trying to get this issue resolved with Servisolutions but even with the proof of the transaction leaving my account and their system not recognizing or accepting the payment they reported a 30 day late payment. I've submitted the transaction with the payment and when it was returned to my bank. This is my first problem with this mortgage company, but it's convenient for them that it happened after I told them I was in a refinance process. All I need is the negative credit report removed and they are fighting me over the proof provided, I also had to submit the transaction 3 times before they even started to look at it.
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Orions Management Group, LLC (NY)

Man called both my brother and father claiming to be from a real estate agency demanding to speak to me. Caller demanded I call back XXXX. I then received a call and voicemail from this same number stating to return his call with no reason for returning the call or why he is calling. They are threatening me about documents sent to my home which I never received. I am being threatened with legal action. They are rude and I did not give them permission to call any family and/or friends.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (NV)

I filed a claim for unauthorized charges XX/XX/XXXX. The dispute rep I spoke with had terrible conduct, asking the same questions and advising me that the calls are monitored, which was irrelevant. He asked what reason was there for not filing the transactions on time, to which I responded that when I filed a claim with then about 2 months ago the rep did not note all the charges I gave them. In a situation where you have no way to pay bills due to your money being taken the last thing I need is added stress. So I called back and asked for a supervisor and while I was explaining why the phone hung up. Nobody called back so I doubt it was on accident. I wanted someone to handle my case if the gentleman that took my charges down wasnt going to take it serious. I also told him I have proof I wrote down all the transactions that I disputed about 2 months ago. But since he couldnt see that he basically brushed it off. So rather than calling back and going through the same thing I just went with filing a complaint so someone else can reach out that has authority. The money on my card was for saving in case of emergencies. Which I shouldnt have to explain. It was my money that was taken so it should be taken more seriously. Otherwise, I have no problem going about it with legal help, which my father in law who is an XXXX offered the moment they hung up on me when I called back to speak to a supervisor.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (KS)

I found that my Marcus saving account was locked. Today I gave them a phone call and they told me that they closed my account without my notice with one of the following reasons : i ) inaccurate information ii ) illegal activities ( money laundary, etc. ).

I did provide accurate information when I opened this account and I made one deposit of {$500.00}. and have never taken a withdrawal. The account was opened in XXXX and they claim closed in XXXX. They advised my money is now with unclaimed property. How can it be unclaimed when I was never notified? This entire time I thought I was earning interest to pay for my daughters education. The only reason I reached out was because I was trying to deposit {$3000.00} into the account. I just want my {$500.00} back please. 
Thank you, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I have been with XXXX XXXX since XXXX of XXXX. My monthly mortgage payments were {$2100.00}. I have been paying every month, on time with more than minimum. I pay {$2200.00} every month on the XXXX of the month. XX/XX/XXXX of XXXX my {$2200.00} payment was submitted by auto-pay. My next statement showed a mortgage increase to {$2200.00}. This was received after my XXXX autopayment. XX/XX/XXXX I submitted my payment for {$2300.00} by auto-pay. 

XXXX XXXX I received notification that I was subject to foreclosure due to missing my XXXX payment. I called XXXX XXXX and was informed that because my XX/XX/XXXX payment was not the total of {$2200.00} therefore it was not appropriated to my mortgage but just sitting there as unappropriated towards nothing. I asked her to fix it and she stated that she would. 

Yesterday, I received notification that my credit score dropped by XXXX points due to XXXX XXXX reporting me as 30 days late on my mortgage. I again called and was told that because the {$2200.00} was not the full amount it was not considered a mortgage payment and thus I was 30 days late. 

1. ) I was not properly notified before my XX/XX/XXXX auto-payment that my mortgage was increased or I would have adjusted my auto-payment like I did in XXXX. I received no formal notice in advance of the increase in my mortgage statement. I only found out it was increased due to looking at my XXXX statement and noticing the increase. 
2. ) If my {$2200.00} payment was insufficient why has it not been returned to me and is being held by the company as unappropriated? That payment is not good enough for my mortgage but good enough to keep my payment? And what are you using my {$2200.00} for if you are not applying it to my mortgage, escrow, or principal? 
3. ) If XXXX XXXX refuses to reappropriate my XX/XX/XXXX payment towards my mortgage then I demand that money back plus interest. 
4. ) I demand they rescind the delinquency on my credit report as it is inaccurate and false reporting.

5. ) I have been a loyal customer. I have put my payments on autopayment through my bank to avoid missing a payment or late fees which is what any responsible individual would do. I am a XXXX XXXX with a XXXX degree and my husband is a XXXX XXXX. We are taxpaying, responsible citizens and I feel we are being punished for nothing. This is unacceptable.
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (TN)

I am writing to formally dispute the inaccurate reporting of an alleged charge-off account from Westlake Financial Services with a balance of {$2800.00} on my credit report. This account is being reported as a charge-off ; however, neither a 1099-C form nor any documentation of debt cancellation has been issued to me or the IRS, as required by law.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am entitled to a fair and accurate report. The failure to provide a 1099-C for this charged-off account implies that this debt remains unresolved, yet its continued reporting as income violates the accuracy requirements set forth by the FCRA. Additionally, without the 1099-C form, there is no basis for reporting this balance as income, which makes this account invalid for reporting on my credit profile.

Under 15 USC 1692 ( k ), if this matter is not addressed and the account is not promptly removed, I reserve the right to pursue civil liability for these violations. 

Please investigate this matter thoroughly and remove this account from my credit report to ensure compliance with federal laws. 

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation of the removal of this erroneous information.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery says I owe {$940.00} to some web bank company for who knows what. I looked them up and they have credit cards and XXXX computers that they give credit for. I never had a card with them and have only ever owned XXXX computers. I have tried numerous times to have this removed and have been unsuccessful. Please help. I asked them to show me a written or electronic agreement that I have entered into a contract with either and they are unable to do that. Please help it's killing my score.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo fails the truth and lending act, they are deceptive, and fails to be direct and forward with their Wells Fargo Reflect Credit Card Terms and Conditions with Cash Advances. It is imperative for Wells Fargo to be very clear and detailed on their terms of conditions especially for those such as myself who have a XXXX XXXX and for minority groups who struggle with fully understanding such lingo which I am also apart of. 

Wells Fargo Reflect Credit Card is advertised as 0 % interest for a minimum of 18 months and maximum of 21 months. It states for all terms that there are interest fees applied including Cash Advances.

In the terms and conditions it states what the FEES are for Cash Advances which is {$10.00} or 5 % of the advance. It does not state that there will also be a monthly interest charge. 

I did a Cash Advance and was shocked to receive monthly interest charges on a no interest card, and this defeats the purpose of having a zero interest card. 

When I called in the representative read me something over the phone, however, I pulled up the terms and conditions and see that its very misleading, deceptive, and possibly false. 



Wells Fargo needs to be very clear, concise
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I receive phone calls from Jefferson Capital Systems LLC on a weekly basis for someone named XXXX XXXX. I have had this number since 2013. This started about 5 years ago and has not stopped. I am not XXXX XXXX nor do I know her. Every time I answer the phone and ask to be removed or tell them they have the wrong number, the caller just hangs up in my face and continues to call. This time I told the caller who identified themself as XXXX that I was XXXX XXXX and XXXXXXXX XXXX XXXX by the way, just to keep XXXX on the phone long enough to get her information. She stated she was trying to collect a debt for a credit card on behalf of Jefferson Capital Systems LLC and her contact number is XXXX. Once I got the information then I explained to her that I was not XXXX XXXX and that for years this company has been calling my phone harassing me and that I would be reporting them. XXXX began yelling at me as if I did something wrong and telling me that it is a robocall that she did not dial my number. I want them to stop calling me please.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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

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 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NV)

My Apple Card interest rate was at the very top at over 28 %. I requested a lower interest rate as I had fulfilled my payment obligations but was told the company does not lower interest rates. I closed the account and paid the card off but had been charged the higher interest rate for more than two years.
Consumer complaint received 2024-10-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mortgage Research Center, LLC (PA)

XX/XX/year> after our offer was accepted by the seller, we were told our interest rate would be 5.75 % by our lender with veterans united, XXXX XXXX. He verbally asked if we would like to lock that rate on XX/XX/year>. My husband, XXXX XXXX and I both said " yes '', lock that rate. We were very excited about a 5 anything rate, since when we placed an offer in on a house a few weeks prior our interest rate would have been 7 something. The loan officer stated the rates may drop more and we might not want to lock, we said, No lock the rate. We electronically signed the documents not even noticing the lender selected " No '' to locking the rate. 
Fast forward to XX/XX/year> XXXX tries telling us congratulations on your 6.25 % interest rate we are all ready to finalize this loan and close it next week. My husband right away questions what happened to the 5.75 % interest rate? XXXX tells us he did not lock the rate because he was certain the interest rates were going to continue to drop. XXXX was wrong and the gamble he took on my family 's behalf did not pay off. My husband and I were extremely upset. XXXX XXXX admitted to him mistake right away and said he would try to make it better. He went to his supervisor XXXX XXXX. XXXX spoke with my husband and said they would get the rate down to 5.99 % by taking the commission they should have made on the loan and paying our loan down, but there was nothing else she could do. She also said, " she knows how we feel because she has a XXXX mortgage with a 7 % interest rate ''? Then I spoke with XXXX and explained the 5.99 % was not good enough, that they needed to correct their error. She lied and said federally she could do nothing else. She also just kept telling me we can refinance our mortgage. I told XXXX a refinance costs additional money and that is another gamble on my family 's behalf that interest rates will actually drop. I explained that their error will cost my family over a 30-year mortgage {$21000.00} and that they needed to fix it. I was told no one keeps their 30-year rate so my numbers are inaccurate. XXXX XXXX apologized for the error but basically told us " OH well '' in the most unprofessional way possible. My husband has been in the military for 12 years now and has earned the right for a VA loan- Veterans united and their error made our home buying experience this time around miserable. We are all human and make mistakes- but when you know you messed up, fix it. XXXX admitted to the error and his supervisor didn't care. I will forever tell anyone I know to stay far away from Veterans united- they cost my family over XXXX and treated us like trash. Also, XXXX and XXXX would only admit their error to us over the phone- but they also admitted this error to our realtor XXXX XXXX so we do have another person that can back us since apparently, they can't record our calls.
Consumer complaint received 2023-09-21
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

Toyota Motor Credit Corporation - On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, to test-drive a vehicle I was interested in purchasing. During my visit, I engaged in a detailed discussion about taking advantage of Electric Vehicle Incentives that could potentially lower the cost of the vehicle. 

The dealership 's sales team admitted that they were not well-versed in the specifics of these Electric Vehicle Incentives. They indicated that they would need to consult with their accounting department to understand how to proceed. In the meantime, I left a check for {$500.00} to reserve the vehicle while awaiting further information. 

One week later, I received a call from the dealership. They confirmed that they would accept the Electric Vehicle Incentive funds, and at this time, they requested that I provide my paystub information to facilitate the purchase. I responded by letting them know that I was currently unemployed and, therefore, could not provide pay stubs. Instead, I informed them of my intention to withdraw funds from my XXXX ( XXXX  ) in order to buy the vehicle outright, which I believed would resolve the financing issue entirely. 

On XX/XX/XXXX, I returned to the dealership for the final transaction. I signed all the necessary paperwork and issued a check that covered the entire cost of the vehicle. 

However, on XX/XX/XXXX, I received an unexpected letter from Toyota Motor Credit Corporation. The letter stated that they had denied my loan request due to my failure to provide pay stubs. This news left me furious and bewildered, as I had repeatedly informed XXXX XXXX XXXX verbally and in written communicationthat I would not be financing the vehicle. 

As a result of this misunderstanding, my credit score has taken a hit from a loan application I had no idea had been initiated on my behalf. leaving me frustrated and stressed about my financial situation.
Consumer complaint received 2024-09-14
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. (MI)

15 USC 1681i : Procedure in case of disputed accuracy PLEASE SEE ATTACHED DOCUMENTS I SENT OVER EVERYTHING XXXX to Experian WHY ARE THEY USING MY CONSUMER REPORT HOW EVER THEY WANT THE DELETE AND ADDIND ITEMS BACK TO MY REPORT STRESSING ME OUT WITHOUT MY CONSENT XXXX XXXX HAVE NOT ONCE CALLED OR CONTACTED ME ABOUT THIS FALSE CREDIT CARD INFO I WILL LIKE EVERYTHING PERMANENTLY REMOVED FROM MY REPORT THATS HURTING MY CONSUMER REPORT IF NOT I WILL TAKE LEGAL ACTION ii ) Notice to creditors If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency YOU NEVER CONTACTED ME 5 days prior to any thing A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.