davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allied Account Services, Inc. (GA)

I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. 
I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .
Consumer complaint received 2024-09-18
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. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2016-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (FL)

In XXXX XXXX, I received a debit card in the mail at my home address from US Bank with a " welcome kit '' that I did not request. Within an hour, I called US Bank to let them know that the account was fraudulent. I requested at that time that the account be closed. I subsequently ( within 10 days ) received paper checks in the mail that I destroyed. At that time, the statement balance was {$25.00} that I assume was deposited by the fraudster to open the account. I received nothing from US Bank for the next three months. In late XXXX XXXX, I received a US Bank statement indicating a negative balance of XXXX for withdrawals and monthly fees. When I called them, US Bank said that I needed to fill out a detailed fraud complaint so that they could close the account. I filled out the paperwork they send me via email ( which included copies of my drivers license, utility bills, etc. ) and replied back to them with the information on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, they replied and requested missing information including a notarized theft statement and a copy of my original SS card. I could not locate my ORIGINAL SS card ( I am XXXX years old ) but I did send back the notarized statement. Imagine my surprise when I received a letter dated XXXX XXXX, XXXX indicating that this FRAUDULENT account was overdrawn and has miraculously finally been CLOSED. However, US BANK claims that I now owe them {$40.00} in FEES. On XXXX XXXX, XXXX I again called US Bank and their rep " XXXX '' told me that I could either pay the fees ( to make this go away ) or SIMPLY provide another notarized statement, go to my local SS office to get my replacement SS card ( which I would receive in the mail in 2-3 WEEKS ). Resubmit and hope for the best. My questions is WHY COULDN '' T US BANK just close the account XX/XX/XXXX before the fees were incurred? I ca n't help but think this is just a scam. Unfortunately, I have had my identity compromised twice before, and I have never had to deal with this situation. I simply called and closed the accounts immediately.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXXXXXX Account Number : XXXX Balance : {$700.00} XXXX Account Number : XXXX Balance : {$14000.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$790.00}
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (IL)

I had a long-standing credit card account with Fidelity, which was converted to Elan Financial services XX/XX/2016. At this time, I did n't receive notice of the conversion and continued to have access to my Fidelity account online which reflected automatic payments were being made towards my account balance. I received a call on XX/XX/2016 from Elan stating that my account was two months past due and that I needed to make a payment, which I did to bring my account up to date. I was told that I needed to set up automatic payments at a new web address. I promptly tried to create an account on the new website, but it would n't recognize my account number. After many calls to reach the correct customer service office, I was told that my credit card number was incorrect ; that I had received a new card and would have to use that card to set up an account. I explained to them that I never received a new card, but without it I was unable to create an online account. Since then I am still unable to access my account online or set up payments because my account has been restricted. I 'm still waiting to talk to a representative because their " 24 customer service '' number is closed every time I call. Up until recently I could still access the old Fidelity account, which continued to reflect that my auto-payments were scheduled. As of now, I have no access to my prior Fidelity account.
Consumer complaint received 2016-12-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (TX)

National Principal Group has contacted family members more than once, although they have admitted to me on a " recorded call '' ( their words ) that they can only call a family member once. They have contacted them in order to try and get me to pay for a single loan that I supposedly took out XX/XX/XXXX from XXXX XXXX XXXX. I said that is n't possible because I have n't taken any loans XX/XX/XXXX. They said it 's likely a payday loan. I asked for them to send the verification of debt to me so I could look at it myself, and they said they only have the name of the original creditor, no other information such as loan documents to prove that I took a debt for anything. XXXX XXXX XXXX is not on my credit report as a debt that I 've ever received. Today ( XX/XX/XXXX ) I received the documents of the supposed debt that I owe, except they 've included XXXX other debts that they did not mention in the phone call on XX/XX/XXXX. Very strange. They also sent these via email and not via mail. So far I 've received no original documents explaining the loan that I took out, and the " original amount '' on the document they sent is different than what they told me over the phone. Luckily their phone calls are " recorded for quality '' as they told me. Another interesting tidbit is they claim that they can call my family members and friends as much as they want if I do n't pay the debt and my family does n't issue a cease and desist letter. This is actually a violation of the law as well, one relative has both of their voice mails from consecutive days, and again luckily National Principal Group records these calls for " quality ''. One call to a family member is all that they are allowed, and within two days they 've called the same person twice.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (PA)

I am writing because I reported a fraudulent charge to my credit card company, they refunded my funds and now they have put the charge back on my account. I explained that I was the victim of identity theft and do n't know how someone also used my card without my permission. The charge was for XXXX for a company? XXXX My bank said they would issue my credit, they also cancelled my card because of the fraud I assume but now they are trying to take my money back. Thought I would see if you could help me before I have to spend more money on an attorney who said he would file arbitration paperwork or go to court on this matter Thank You
Consumer complaint received 2015-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NJ)

IN XXXX my mortgage was 30 days in default since then to date U.S. Bank have refused to help me reinstate my loan. I have been trying everything possible without success. I have successfully completed XXXX different trial of payment and have participated in XXXX modification hearing among tons of application for a workout package, first every three months then of recent it seem like every month and all was denied even though I complied with all their requirements. They File final Judgement without bothering to let me know until the 30 days before the sheriff sale .After 90 day of being in default the mortgage insurance payed off my loan, they collected 10 times the value of my promissory note from the Federal Reserve and millions from securitization and mortgage back Securities also My mortgage was a part of the Government Bailout to the banks .In light of all of these fact XXXX is doing everything to take my house. no matter hard My husband and I tried there seem to be no way and this has caused us great economic hardship, XXXX resulting in other health problems as with extended time our loan is in default it affect our credit which cause us to lose employment opportunities and study opportunities forcing us to use up our financial reserves. They change the MAP representatives frequently.
Consumer complaint received 2016-09-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

In XXXX, my home and farm was appraised for XXXX XXXX. I borrowed {$140000.00}. This was done through XXXX XXXX. It was serviced by XXXX. Was then transferred to XXXX XXXX XXXX. I never missed a payment and was never late on a payment. In XXXX, XXXX, I received a letter stating that my taxes and insurance were in default and I had 30 days to produce proof of payment. The next day I received a lettered stating that XXXX XXXX XXXX had paid the taxes and insurance and that my payment had increased from $ XXXX to $ XXXX/month. My insurance had already been paid and the taxes were not due. I called and was told that I could get a modification and that I was to stop Making payment for 60 days and this would qualify me to get a lower interest rate from XXXX, smaller payments and longer term. That the entire process would be done in house and not affect credit. I agreed to do so. In 30 days I received a late notice. When I called I was told not to worry it was taking longer to complete mods because of the huge number of requests. The following month same. In XXXX, XXXX all of my credit cards went from 2.9 % to 32.9 % interest and I found that XXXX XXXX XXXX was filing this with credit reporting agencies. In XXXX, XXXX XXXX XXXX tried to foreclose on my home. I was able to get it stopped. They denied me on XXXX modification attempts, kept my trial payments and tried to foreclose 9 times by XXXX. During this time, I had XXXX XXXX, my daughter had XXXX XXXX, my son-in-law had a XXXX, and my son had to quit school to handle XXXX XXXX XXXX since they were threatening that if we missed a call, they would make decisions without us to take my home. Finally, i filed bankruptcy so that i could try to keep my home. Since i had always paid my taxes and insurance, I went to the tax accesor and my insurance company and paid them privately. At this point, XXXX XXXX XXXX transferred the account to a company named XXXX. They would not answer any phone calls or respond to me in any way. After a few months, XXXX sold the loan to a company with Rushmore as the servicer. Now they are trying to get a release on the property for the purpose of foreclosure with a court date set for XXXX XXXX. I need a resolution to this issue. I have. Complete paper trail from XXXX and a letter from XXXX XXXX XXXX that states that this loan only defaulted for the purpose of modification. That they are sorry for any inconvenience. I 'm XXXX. I need to retire. I have fought with all I have. Help.
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently moved away from home with a friend to a new location to find out that I have n't been able to purchase my own vehicle, rent a car, buy a phone, or set up banking account due to my credit. When I was younger I had a lot of things in my name that back fell on me and not be trained growing up on what to do or how to handle those situations I am now learning how to reach out to someone to report things under my name that I neither authorized or used. Or could have authorized at a younger age but did n't know what it may have been for not knowing what credit was or what it meant to have good or bad credit. I checked my credit report and see many things that I am definitely not aware of using or ever having, or even do not have at all on me. I do remember signing up for cards at a younger age with family that I thought was something like having a banking account. The older I got the lesser I saw any of those card and I do remember finding out about one of the, that I ended up calling to close. I start taking responsibilities for bill calls that I constantly received to my phone daily 24/7 not knowing what they were towards. And they stopped at a time so I though I took care of everything which was when I paid off a XXXX bill that my mother had in my name and never paid off when she discontinued that I did n't know anything about because I was not living with my mother at the time I begin to receive phone calls from them. I tried getting help from family member in order to avoid trouble with my mother on that certain cause. But there is a lot on my credit that I do n't recognize other than school loans and I still have another year to finish in where I can finish with school either because of my credit I 'm guessing. I do n't know how the credit thing works. And I need more education on what really has happened with my credit I do n't feel its fair on my end to have all this on me to stress that I had no cause for or knew what I was doing. And I want to fix that for a better life for myself being that I do not live with my family that I grew up with any longer. Just want peace from all of this that is so frustration about my credit that I never deserved and still do not barely understand. I was educated by a professor on ways to possibly help myself to better this situation as I did not know I could reach out to someone and not cause my family any harm. I do n't know what to do with all of this one me or even where to begin to start. I am struggling on my own as an individual and actually at a happy place that I have begin to find things out ( like this situation ) to better certain situations in my life that is causing me so much stress and frustration when I do not understand it. I pray that their is help from someone out there or who this message may concern. Look forward to hearing back as well.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or compay .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Consumer complaint received 2016-04-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same
Consumer complaint received 2017-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kimball, Tirey & St. John LLP (CA)

All of the above. 
Upon finally leaving XXXX as a XXXX on XXXX i hired a local cleaning crew give our base housing another final clean. The management told us not waste our money due to the fact that our residence was the last house remaining with carpet. We were told they would tear it all out and lay hard wood like all of our neighbors. I thought it was finished. I was wrong. 
To check out of base housing por house was inspected. We passed. 
With My papers signed we left XXXX military life headed to Idaho. 6 months later my wife started getting phone calls throughout the day ... Every day. All day. Some minutes apart. Some hours apart. 
She nearly answered them all. Diligent to find out who was harassing her she maintained her routine. I would n't have. But they did n't call me ... The XXXX, who 's credit it 's on. Who 's name was the housing. 
When called base to figure out the details XXXX military housing said did n't owe anything and agreed with the previous statement that the floor covering removed and a wooden laminate was put in place. 
However the so- called dent is still reflecting on my credit. 
I want the whole thing And all derogatory remarks removed.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On or around XXXX XXXX, 2016 identity theft and fraud claim was reported on a checking account in which I am a joint owner. Both myself and the other account owner made a report. In addition to the verbal report to USAA on XXXX XXXX, 2016, a police report was filed on XXXX XXXX, 2016 and a copy was provided to USAA. 

During the course of USAA 's investigation, USAA has frozen all accounts in which I was a sole owner, preventing me access to my money, and by locking me out of online account access, USAA has prevented me from updating other products that I have, i.e. Auto & Property Insurance, Life Insurance and investments. Furthermore, USAA sent a notice requesting that I pay {$12000.00} in overdraft fees in which I am not liable according to USAA 's Terms and Conditions. 

USAA 's policy states that account holders have 60 days to report fraud. The report was made well within the 60 day timeframe. In addition to the verbal report, the debit card associated with the account was reported as lost about a week prior to the fraudulent activity being detected. The {$12000.00} is excessive and goes against USAA 's written policy regarding fraudulent charge reporting. The investigation into the matter was opened on or around XXXX XXXX and as of XXXX XXXX, I have not received any information or updates about the findings of USAA 's investigation or how USAA came to the conclusion that the account holders were liable for the {$12000.00} in overdraft charges.