davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Recovery Solutions, LLC (CA)

For years I have been getting calls from a mediation firm trying to collect on a debt that according to them I owe. The debt is always for a different amount, and they always claim to represent a different company. I attempted to obtain information from this firm, but they always refuse by stating that is too late and that I only have the option to resolve the issue by paying, or they will have to sue me for the amount owed. I have always assumed that this firm is a scammer trying to collect money therefore I started ignoring the calls and at some points denying that Im the person they are looking for. Unfortunately, recently their calls escalated, and they started reaching other people I know. Over the weekend of XX/XX/year>2024 I called their numbers back which are ( XXXX ) XXXX and ( XXXX ) XXXX. Both numbers have the same voice message stating that Im calling National Recovery Solution. When I tried to further research, I found their website https : //unitedrecovery.net and phone number ( XXXX ) XXXX. I called the number ( XXXX ) XXXX and they immediately identify my information through the number I was calling from. They provided me with my maiden name, full social security number, and my current mailing address. I asked them the reason for their continue call and they stated that they are trying to reach me to resolve a debt of {$850.00} otherwise they will have to subpoena me to freeze my bank accounts and I will have to pay {$4000.00}. I asked them to provide me with information about the {$850.00} debt and all they said was that they had already mailed me correspondence about this and that now it was either for me to pay or I would have to go to court. I once again told them that I dont recognize the debt and I need additional information, since I persisted the call was hung up. I called again to ask them for the name of the company once again and this time they told me it was XXXX XXXX XXXX. I asked for their mailing address to request a validation notice and their answer was that they will not be answering a questionnaire and hang up the call. I called again during my lunch to try to get an address and they transferred me to a supervisor who said that my case was already settled that it was being taken to court and that I should stop calling or they will sue me for harassment.
Consumer complaint received 2020-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

The reason I am filing this complaint is due to the fact that Shellpoint Mortgage Services as failed to provide me with the modification denial letter. I was advised by Shellpoint Mortgage after 14 months of review on XX/XX/XXXX that we were denied for the loan modification due to a number of factors. As of today XX/XX/XXXX I have yet to receive the letter. I have spoken with my Single Point of Contact on a number of associations and was first initially advised that I would receive the letter by mail in a few days. I followed up several times to only find out on XX/XX/XXXX by XXXX XXXX that the letter was not generated due to internal system error. She stated the file was closed out before the letter was generated however ; that the letter would be generated within 24 hours at which point she would fax a copy. I have contacted XXXX XXXX on a number of occasions and was only able to leave a voice-mail. Failure to provide the denial letter has impeded on my legal right to appeal this denial should any information within the content of the letter is incorrect. Shellpoint has exhausted over 3 weeks and now only leaves with me with a few days to appeal. In accordance with the Homeowner Bill of Rights Act, I was to receive a denial letter along with a 30 day right to appeal and Shellpoint has relinquished this right due to failure to generate such letter.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (WA)

In and around XX/XX/XXXX, I wanted to upgrade my American Express Delta Platinum card to the Delta Reserve Card. I went to a web site link for Delta Reserve. It directed me to log into my existing American Express account. I followed all the prompts. One week later I receive my new Reserve card. It was a different number. I destroyed my existing Platinum card. When I received my new card, I followed instructions to link my new card to my American Express account. I expected this would link my account and transfer all information over to the new card. 

In and around XX/XX/XXXX, I got an email notification that my monthly statement was available. When I logged in, I noted that all my usual monthly charges were not in the statement. I called American Express to inquire. I was also charged a 2nd annual fee. {$450.00} when I just paid an {$190.00} fee back in XX/XX/XXXX. I expected a prorate fee charge for the higher tier but not an all new fee. At this time, I realized I now had two AMEX accounts. 

Over four days, American Express told me that I applied for a new card and would not resolve the issue by reversing the transaction or even backdating the change. 

I told American Express that I wanted to upgrade only to the next tier card. They could not reverse the transaction because they emphatically claimed I applied for a new card. I told American Express that at no time did I fill out an application that would require me to provide a social security number, birth date, address, income and other information that a new application for a new card would require. 

This American Express process is very deceptive and it is forcing me to still pay a higher fee than I would have if the card would have only been upgraded. I also filed a complaint with American Express claiming deceptive processes to get me to take a 2nd credit card and 2nd annual fee that I did not want. 

If any questions, please let me know. 

XXXX XXXX
Consumer complaint received 2020-02-26
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

My studentaid.gov account shows i have 6 college loans, 4 to XXXX XXXX of California - XXXX XXXX, and 2 to University of XXXX. My studentaid.gov says 2 of my XXXX  loans were canceled and never dispersed. 

Navient is/has been charging me for 4 XXXX XXXX loans, the 2 unknowns, have much higher interest rates. 

My 2 XXXX  loans on my studentaid say I owe {$13000.00} ( dispersed XX/XX/XXXX ) My 2 XXXX loans say I owe - {$11000.00} About the same for about the same time period, even though one was shorter and out of state tuition ... 

But there are these two other XXXX XXXX loans that were " given '' to me : 1 ) XX/XX/XXXX 1 month later for {$24000.00} and 2 ) {$3700.00} " given '' to me XX/XX/XXXX, 4 months AFTER the other 2 XXXX XXXX Loans were supposedly canceled. 

I have no idea where these other loans came from, and only recently noticed, because ive been trying to rebuild my credit and take better control of my finances.
Consumer complaint received 2019-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to XXXX XXXX   and Transunion about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 2018
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX  are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2024 Wells Fargo Fraud department called me at XXXX XXXX asked me if I just took {$1000.00} dollars out of my bank account. I said NO, they cancelled my debit card which I had in my possession and shipped me a new card. 

On XX/XX/2024 my debit card arrived at the XXXX Location, signature required to pick it up. I got an email stating the package had been delivered at XXXX XXXX, then I got another email stating that I picked up the package at XXXX XXXX. When I went to the XXXX office on Monday XX/XX/XXXX ( which is located in XXXX ) for my package they told me " your son '' picked it up on Friday. I informed them that my son did not pick it up " he doesn't even know I have a package here, he lives XXXX miles away '', they refused to show me the video of who picked it up until the police see it. 

I went to the XXXX Police Department and filed a report Case Number # XXXX. 

On XX/XX/2024 I got a letter from Wells Fargo Fraud department stating " We have determined that you ( Meaning I ) allowed someone to take the {$1000.00} out of my bank, no further action will be taken.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my Transunion Credit Report I was hit with a collection from XXXX XXXX XXXX a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via Transunion for the XXXX XXXX XXXX duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this XXXX XXXX XXXX to keep reporting a disputed claim and somehow legitimize it to Transunion when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. Thank you.
Consumer complaint received 2019-03-29
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: EQUIFAX, INC. (LA)

Submitted Equifax dispute, confirmation number : XXXX Was informed the dispute would be resolved by XX/XX/XXXX. 
Now, after checking almost daily for a month for the results online, I am no longer able to check the status online as Equifax claims my information does not match their file online. 

I called and spoke to an outsourced Equifax customer service representative on XX/XX/XXXX and was able to get verbal confirmation that the credit dispute had been completed, but I am unable to get written confirmation that the disputed item has been resolved. During this conversation the customer service rep reported he believed my address was listed in error and tried to update it, which I believe he input incorrectly and I did not receive a confirmation email of this change either. 

Today, XX/XX/XXXX, I have tried to request my Equifax credit report to verify that the item in dispute was updated or deleted, and my online request was denied both when utilizing XXXX and equifax.comXXXXXXXX and I am unsure if it is related to this customer service representative 's change of my information or for an unrelated reason. 

I am unable to get a human being on the phone who can help me resolve this.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax is reporting these accounts inaccurately. I spoke to Equifax today, XX/XX/2022 and to state that ALL XXXX XXXX. XXXX  XXXX accounts aAll US DEPT Education accounts listed below accounts are to be removed, as XXXX am not liable for these accounts. 

Account Number XXXX XXXX Reported Balance {$45000.00} XXXX XXXX XXXX. XXXX  XXXX Summary Account Number XXXX XXXX Reported Balance {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Reported Balance {$13000.00}
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (TX)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (KY)

MRS XXXX  contacted me last year regarding an internet bill. The account had been with another agency prior to MRS . I asked that agency, in writing, to advise what the bill was for. They responded it was equipment that hadn't been returned. I had returned equipment and my bill reflected it, but did stated I had " other equipment. '' My question to them and to the first agency was " What equipment do I have. '' The proceeded to send the account to MRS XXXX. I paid to MRS XXXX  what they showed was not for equipment and told them to send me details of what equipment I have so I know what to look for. They didn't. XX/XX/XXXX, I received a text message from MRS Assoc at XXXX " regarding a natter for XXXX. MRS is a debt collector. '' I responded at XXXX XXXX " Cease communication until you can tell me what equipment I have. This is disputed. '' Their text came from XXXX, Today, ( XX/XX/XXXX ) at XXXX XXXX  I received a text " Please contact MRS Assoc at XXXX regarding a matter for Spectrum. MRS is a debt Collector. '' My response to them at XXXX XXXX  " You ignore my written communication until you provide me with details as to what equipment I have? Isn't that in violation of the FDCPA? I will ask CFPB and FTC. ''
Consumer complaint received 2019-10-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (AL)

My wages are being garnished for auto loans that I owed {$8000.00} and some odd dollars They said that grow up to {$4000.00} more than the original amount I have paid {$10000.00} and just about finished paying the amount that they garnished me for but they are saying that its accumulating more interest and that they can keep charging more money
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I sent my first letter to XXXX XXXX XXXX XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form XXXX. 

XXXX is reporting inaccurate information related to an open account. 

XXXX has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

XXXX XXXX XXXX are now in violation of the FCRA and continues to be in noncompliance.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (NM)

Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. 

After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ENCORE CAPITAL GROUP INC. (MI)

In 2016 it says I got a XXXX XXXX credit card In my name, It was for XXXX XXXX they are saying I did it but I never put any kind of card on my name before. I would like to report it as fraud XXXX XXXX and XXXX XXXX had access to my social Security card number while I was living with them at the time I had no idea I didnt have to give them that while living with them. And next thing I know I was getting letters in the mail as soon as I moved out of there house about XXXX XXXX but I never even been on there website. Im pretty sure they put my name on their consumers bill or I think it was charter I would like to get it investigated because I do not want none of this on my credit it would be nice to figure this all out those two people are the only ones That had access to my Social Security number