davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

I asked XXXX XXXX XXXX for a discount on my automobile insurance they stated that they did not have any discounts, so I obtained another insurance company XXXX and told XXXX I do not owe you money they sent notice that if I showed them my Declarations page they would delete the purported money I owed them I do not have to send them any more of my personal information I do not have insurance with them any longer. So this what I received in the mail in XXXX. I do not have an account with this company. This is IDENTITY THEFT pursuant to 16CFR 603.2. I have contacted this DEBT COLLECTOR. I am feeling upset, about this and I try to sleep but ca n't do that much because of my Credit Report being torn apart just because when I want to secure things for my personal, family or household use, I have intruders trying to steal everything I have in the name of DEBT COLLECTION I did not give my permission for this DEBT COLLECTOR CREDIT COLLECTION SERVICES to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR CREDIT COLLECTION SERVICE to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
I do not know how this DEBT COLLECTOR Obtained my non-public private information which is a GRAMM LEACH BLILEY ACT violation. This is IDENTITY THEFT pursuant to 16CFR 603.2. This DEBT COLLECTOR CREDIT COLLECTION SERVICES is trying to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CREDIT COLLECTION SERVICES, this is aiding and abetting fraud on the Consumer who is a natural person. I do not know where they got some figure saying I owe them they are strangers into my private affairs. 
This Debt Collector has violated and harmed my consumer natural person according to the Fair Debt Collection Practices Act ( FDCPA ) pursuant to 15USC1692c, d, e, f, g, and j respectively. Because of this CREDIT COLLECTION SERIVES DEBT COLLECTOR is subject to 15USC1692k and it must be paid so they will not make this mistake again with a natural person consumer.
Consumer complaint received 2015-12-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (MT)

received collection letter from XXXX on behalf of Pinnacle on behalf of XXXX. Do not owe the debt. I sent written request for? ALL of the foillowing. 
1. copy or original agreement with XXXX2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged. 
5. copy of original contract for account sale between Pinnacle and XXXX , and XXXX and XXXX . 
6. to have removed from my credit report. XXXX wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no one responds to my letters or calls to have this resolved. I am left with this and small claims court to resolve this now.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

this is my favorite bank with favorite card but i am very concerned my issue which is veyr important to me is not handled appropriately. its a dispute of XXXX i have NEVER made a dispute in 11 years of excellent customership here but now i am and i am serious about seeing it through and getting refunded at least the XXXX if not the whole amount. I fear it is not being handled properly as evidenced by the stupid letters i sm receiving in the mail. On XXXX i paiud for my child to go to tennis camp 25 days. At that time i did not realize there was a NO refund policy. I know that does not matter.Well after 6 days of her crying every day without me being told by the camp despite calls every day asking finally on XXXX i pulled her out when someone honest told me about it. she was sitting there doing nothing as she had all day before that. First day i was told this. on XXXX i reached out teo them to use some of my credit on another seice since this was the first i was made aware that i had signed a no refund policy. Again would not have signed it had i not been rushing to sign to get my child in. in may.I had ben signed up for XXXX lesson until XXXX when the owner XXXX XXXX answered my emails by accusing me of breaking his contract he had no concern about why i had left, what had happened with my child only that i used the monies tha ti had purchased. no other concern except telling me it was MY PROBLEM if i did not come back. No refunds. he also told me XXXX XXXX that if i did not come back again he displsyed no interest in why i had left if i did not come back hewould re bill me. That was his ONLY concern. Certainly not what you would expect from someone dealing with a child and a service. i told him that day i was NOT coming back. based on his treatment and the uneasiness of the deception associated with the 6 days she did attend. he then rebilled me XXXX on XXXX after the summer ended seemingly with no understanding or wonership of the failed customer service. their position is Simply i signed something. it is that they offered me MULTIPLE opportunities to attend maybe they do not understand XXXX i was not attending after XXXX was lied to about my child when dhe did not attend and baically paid for her to sit out and do nothing XXXX i was treated as i was NOW i sent all the emails to Consumer affairs XXXX and capital one. EVeryone agrees with me.I know i signed the contract but telling me in this instance to ask for a merchant refund is riiculous. absolutely ridiculous. I want a refund.go to the merchant and say NO service, poor Customer service but stick up for me properly after 11 years. I can not believe what i have endured. ask yourself would you return??? I will NEVER again rush to sign something. i want at least my XXXX back if not the entire emoaunt. Go to it please NO EXCUSES designed to XXXX.
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX checks that I had already deposited through my Bank of America mobile app XX/XX/2016 were stolen out of my vehicle. I had failed to write " void '' across the front of the checks. I did not know this was necessary as the app told me to write " for deposit only '' below my signature, which I did. I thought this was sufficient to prevent the checks from being nefariously used by someone else. Originally, the checks that I deposited XX/XX/2016 were cleared and I spent the money on bills and daily life needs. XX/XX/XXXX, the thieves used the same XXXX checks to deposit in an ATM. Bank of America allowed this fraudulent transaction to occur and immediately took the funds out of my checking account to cover these duplicated checks. They never asked me if I had mistakenly tried to use the checks again, which I would have told them " No! '' and explained that thieves and defrauders were at work here. My account was overdrawn by almost {$2000.00} because of this. I feel as though I have not only been victimized by thieves and defrauders but also by the the financial institution that my wife and I have used for over 12 years. Bank of America are accomplices to theft and check fraud by ( 1 ) allowing the fraudulent transaction to go through and ( 2 ) by taking the money out of my account to cover their mistake. They also took {$800.00} out of my wife 's checking account that was not directly tied to our joint account, where the duplicated checks were said to have occurred initially, after the account was made negative by the fraudulently deposited checks. This has caused my whole family untold amounts of XXXX. XXXX We filed a police report for check fraud but I just received notice that the case has been closed due to lack of surveillance video at the scene of the XXXX, fraudulent, transaction. Bank of America told us that we had to contact my employers bank, ( XXXX ) in order to see when the checks went through the 2nd time at XXXX. They knew that these checks had already been payed by XXXX after I deposited them XX/XX/XXXX. There was no reason for XXXX to pay these a XXXX time. My boss, the writer of the checks, went repeatedly to XXXX in order to ascertain this. XXXX had no record of the checks coming into their system a 2nd time. Bank of America paid the thieves without sending the information to XXXX the 2nd time. The fraud department of Bank of America has told us there is nothing they can do to help us. They are still incurring monthly charges to the accounts because we ca n't close the account with a negative balance.
Consumer complaint received 2023-11-18
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. (TX)

In accordance with the Fair Credit Reporting Act, this Creditor, XXXX, XXXX and TransUnion have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

Do you know how many years and times we tried to get USAA to do the legal thing. XXXX Not only did the credit card not only was robbery papers submitted, this company has illegally put the card in collections to sell it to someone else to make money, that is a crime. Not only that I was only main USER and XXXX XXXX was only an authorized user, from only XX/XX/XXXX to XX/XX/XXXX. USAA wo n't remove him and they illegally put him on their out of spite. This I find gross neglect and highly illegal. I was nothing more than that and not only that XXXX took USAA CREDIT CARD off my report realizing its illegal activity. Not only that, USAA reported wrong amount. There are 4 illegal things, not just one here, not only that 4 years I tried to resolve this, this is disgusting.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Responding to an email ad from Bank of America, we applied on XXXX XXXX, XXXX for a refinance for my rental home, owned since we built it 7 years ago. We complied with every request for documents, even having BofA contact our insurance agent and CPA. Dozens of emails, letters & phone calls later, & repeated delays, extensions & promises from them have gone on, usually with requests for more & more documents, not even pertaining to the property, but to our home & the other XXXX rental units we have, all dutifully submitted. BofA is currently the mortgage holder on one of those other homes, so a re-fi from them should have been a simple process ; we have excellent credit ratings and are stable, credit-worthy people, in the long-term rental business for many years, living in the same area our entire lives. Finally, on XXXX XXXX, they asked for an " update '' on the appraisal that was done by their appraiser in XX/XX/XXXX, an updated credit report, more copies of bank statements & another signed borrower 's certification form. The week before, I was asked what title company we 'd like to sign at, since the closing was finally at hand -- but no, yet more forms were now requested, instead! My phone service was down for a few days ( repaired yesterday ), so I could n't get these documents sent immediately electronically, but since they refused to give more than 2 days to get them to their Oregon office, they denied any further extension & canceled the loan application. We have been greatly abused in this process, a process even their loan officers claim was unusually, inexplicably & regretfully long. I would never recommend doing business with BofA, even though I had been a customer since XX/XX/XXXX! This was the worst, most demanding & most disappointing transaction I 've ever been through, & I 've bought, sold & refinanced many mortgages over the years. In view of all the time & effort this has cost us, only to lose this game of attrition, I feel our application fee should be refunded. I don 'd mind paying for the appraisal ( despite BofA thinking it needed an " update '' after only 3 months! ), but our time & effort would have definitely been better spent at any institution around here, which we 'll most assuredly do in the future.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Colony Brands, Inc. (CA)

I 've contacted them multiple times about them reporting on my credit file a seventh ave account with a balance of XXXX dollars, they wanted me to sign and send back information which I have and they are not in no way trying to resolve this issue with me, I have No idea who or what they sell, I just want them to be removed from my credit file. Please have them Remove themselves from my XXXX major credit files XXXX. They have failed to send me any documentation that this account is valid and I am extremely concerned.
Consumer complaint received 2016-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Over the weekend of XXXX XXXX my bank accounts XXXX at USAA bank was liquidated of {$70000.00} in Florida without my authorization. I reported the unauthorized withdrawals on XXXX XXXX. I was notified that my account would be credited back within XXXX5 business days but this has not occurred as of the date of this complaint. I need to pay bills but USAA has not even given me an update and the investigator has not contacted me.
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (CA)

After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC. (PA)

I was contacted by Mortgage Capital Associates by telephone to refinance my mortgage. Because of the low rates, I agreed to explore the opportunity. Upon review of rates at XXXX, I found their rates were 0.25 % higher than some of their competitors. I brought this up to them and they agreed to match it. Now that its time to close the loan, they are telling me that they can not honor the original rate quoted and need to charge me the higher originally quoted. Their excuse is that they had to switch to XXXX XXXX from XXXX. At this point, I have already spent {$500.00} for an appraisal and they know that most customers will just eat the extra costs. This is basically a bait and switch and I believe they never intended to give me the lower rate. Instead, they told me what I wanted to hear to get the business.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC. (MI)

I went to XXXX store # XXXX at XXXX XXXX Mi XXXX My loan was due back wed XX/XX/2016 I went in and requested a payment plan and was told if I enter into XXXX or more payment plans they would close my account and that I need to look into getting a home loan through a bank I then told her I rent an apartment why would I do that she said these are short term loans and that by me entering into a payment plan shows them that I am unable to pay back my loans so I feel as though I am being bullied into not going into a payment plan because they will no longer do business with me this is bad business I make XXXX per month I can pay back my loans my daughters father passed away and I needed some extra cash to help XXXX him and I feel as though I should not be punished for entering into a payment plan
Consumer complaint received 2015-08-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Illinois Collection Service, Inc. (IL)

I discovered an unknown medical account dating back from XX/XX/XXXX on my XXXX credit report so I filed a proper dispute with XXXX by way of certified mail as they are the only credit reporting agency that is reporting this unknown medical account. The certified letter was sent on XX/XX/XXXX XXXX received it on XX/XX/XXXX and I received their response on XX/XX/XXXX XXXX said that Illinois Collection Service Inc. had verified the account and if I had any other questions concerning the account I should contact the collection agency. I sent Illinois Collection Service Inc. a letter by certified mail on XX/XX/XXXX which they received on XX/XX/XXXX asking them for validation of the account but I have never heard anything back from them. I sent another dispute letter certified mail to XXXX on XX/XX/XXXX stating that Illinois Collection Service Inc. had not responded to my validation request and has provided no verification of any kind for this account. I also included in the second dispute letter to Experian a copy of the letter I sent Illinois Collection Service Inc. and proof of their having received it. The second dispute letter sent to XXXX asked that the aforementioned unknown medical account be removed from my credit report due to Illinois Collection Service Inc. 's failure to provide any validation of the account what so ever, this letter was received by them on XX/XX/XXXX. I then checked my XXXX credit report on Friday XX/XX/XXXX and discovered that this unknown medical account was still reporting with these new statements included, " Reinvestigation information this item remained unchanged from our processing of your dispute in XX/XX/XXXX '', and this " Collection as of XX/XX/XXXX ''. Illinois Collection Service has not only continued to report this unknown medical account even after my request for verification, validation and their refusal to to supply any information at all to validate this account but they have evened updated the account to XXXX of this year.
Consumer complaint received 2015-11-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I am a USAA debit card customer. Recently, my debit account number was hacked, so the bank replaced my card with a new card. In the meantime, XXXX payees reported that they had not received their monthly payment. Payee A contacted me by email and I resolved the problem by giving them the new card number. Payee B contacted me by email and then sent an email saying that they had resolved the problem by charging my new debit card. I never gave anyone at Payee B or USAA permission to debit my new debit card account. 
USSA has reversed my charges and given me a new debit card. But there is no explanation for why the bank or the XXXX network allowed payee B to be payed with my new card. Finding out what I know has wasted hours of my time. It 's worse than dealing with a car dealer!! 
This is a form of customer harassment. Why do banks get away with this?
Consumer complaint received 2015-12-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Oxford Law, LLC (TX)

A representative name XXXX contacted me at my employer he was rude and very disrespectful. I asked him not to call my work anymore. He continued to call my employer and speak to co workers about me, was rude and disrespectful to them to the point that they had to hang up on him. Then he started contacting my coworkers after hours. They and I have asked him not to call but he continues.