davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLA Collection Company, Inc. (OH)

The number being contacted is my employer phone number, XXXX. I work for a XXXX and can not take personal calls on my work line. The first time I was contacted was the week of XX/XX/XXXX, the second time was today, XX/XX/XXXX, at XXXX XXXX EST. The first time I received a phone call, I contacted the number and told a collections representative that the specified phone number ( XXXX ) was my place of employment and not to be contacted. I advised if they wanted to discuss the debt they were calling for, to send a letter to my home address for me to review. I again, advised, to place a DNC on my account. I used to work in XXXX, so I am familiar with the regulations regarding consumer protection. Today the same representative, XXXX with GLA collection company, phone # XXXX, contacted the number I requested DNC ( XXXX ) XXXX again and left a voicemail. I contacted her back and advised her this was the second time I was reporting not to call my place of employment and that if it happened a third time that I would file a complaint. Rather than record that into my account, and send a paper correspondence as I requested previously, she continued to talk over me and harass me about paying my bills. I told her I would file a complaint and disconnected the call. 

This company has refused my request for written correspondence and continues to call my place of employment as a form of harassment. 

I believe the debt they are collection on is a student loan which is no longer on my credit, which I have been paying back directly to the Department of Education since XX/XX/XXXX. 

I want all calls to cease.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (MN)

Good day, I made a transaction below details of it : XXXX XXXX - {$340.00} From : Associated Access Checking ( XXXX ) {$620.00} Posted : XX/XX/2024 It appears on your statement as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Nickname : XXXX XXXX I used Assotiated debit card for that. 

Transaction was made though XXXX platform, XXXX XXXX on that platform : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX I have all details about it as well. 

After transaction have been completed, shop disappeared from that platform and nothing have been shipped. 

I reach platform they redirect me to bank later I reached my bank and approximately after 2 months they made investigation and refuse to help me help. They decided that nothing wrong with transaction even it was scam. I provided all details about it.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2022-03-10
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. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

first of all LVNV FUNDING LLC CURRENT CREDITOR. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX I WAS SENT SEVERAL LETTERS FROM XXXX XXXX. THIS DEBT HAS NOT BEEN PROPERLY VALIDATED AS I SENT SEVERAL CERTIFIED MAIL AND A RETURN RECEIPT FOR THE DEBT TO BE VALIDATED. THIS COLLECTION AGENCY CONTINUES TO SEND ME A DEBT LETTER ON A REGULAR BASIS. I DISPUTED THE DEBT AND ASKED FOR A VALIDATION OF THE DEBT.

LVNV FUNDING HAVE REPORTED THIS DEBT TO XXXX  AND THE OTHER CREDIT BUREAUS. THE LETTER ARE REPORTING THE WRONG ORIGINAL DATE.

I UPLOADED SEVERAL PROFF OF CERTIFIED MAIL AND RETURN RECEIPTS AND MORE.
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (NH)

I was sent a letter from XXXX XXXX XXXXXXXX detailing the sale of the leased car I had turned in early. The letter stated there is a refund amount of {$100.00} DUE TO ME, and will be mailed to me within 30 days of the date. ( XX/XX/XXXX ) of the letter. 

I have made numerous calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) involving hours of my time to the only number listed to call and I have been passed off from one customer service person to another and given excuse after excuse after excuse. My last phone communication ( XX/XX/XXXX ) I was told that the payment would be processed/ " expedited '' but that never happened either. I have received one scripted email ( XX/XX/XXXX ) from a so called " Customer Experience Specialist '' that I replied to with my frustrations and I have never gotten a reply with a resolution to my specific situation. 

I know {$100.00} is not much, and it isn't even about the money anymore. At this point I want XXXX XXXX XXXXXXXX to be held accountable for not processing refunds that they owe to me and who knows how many hundreds of other people. How many thousands of dollars do they have hiding in their books somewhere that they are assuming ( hoping ) people aren't going to bother to go to the lengths that I am to get what is owed to me?
Consumer complaint received 2018-08-28
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: HW Holding, Inc (HI)

XXXX has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

Hunter Warfield , Inc . 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

the same woman repeatedly calls about 3-4 times each week. she also calls my mother the same amount of times. she over talks me. she is very rude and threatening she works for a company called XXXX XXXX
Consumer complaint received 2019-01-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Wrongful Foreclosure : Mr. Cooper foreclosure on XXXX XXXX home located at XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 
Ms. XXXX filed Bankruptcy Case # XXXX on XX/XX/XXXX ( Exhibit A ) Ms.   XXXX was informed by Mr. Cooper and confirmed that the foreclosure sale date scheduled for XXXX XXXX, was stopped due to the filing Chapter XXXX Bankruptcy on XXXX XXXX. ( Exhibit B ) On XX/XX/XXXX a representative from XXXX XXXX XXXX spoke to Mr. Cooper loss mitigation to check on the status of the loan : Called the lender. XXXX called Lender ( XXXX ) XXXX. I spoke with XXXX and XXXX in the foreclosure department. He said that the home sold on XX/XX/XXXX. I told him that we have a letter from them stating the the sale was postponed due to bankruptcy. XXXX then said he would transfer me the Bk dept. 

Spoke XXXX in the Bk dept. She also said that the home sold on XX/XX/XXXX. I mentioned the letter but she said she could not do anything else.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (RI)

I have been having issues with XXXX XXXX, who took over my loan from XXXX. I have been in deferment for a while because I am a graduate student, but I like to check my account from time to time so I can keep tabs on what I owe. 
Last Saturday ( XX/XX/2018 ) I tried accessing my account multiple times and the service was unavailable despite claims on their website that they are a 24/7 access site. I have tried again today, XX/XX/2018, at XXXX and the site is still unavailable. I then tried to contact the company and they ask for a SS #, and it said the number was not on file, yet when I tried to register an account I couldn't because I already had a file. I decided to research the company only to find extremely negative reviews of other people having the same or worse problems ( XXXX XXXX XXXX  ). 
I have reset my password and gotten " in '' to the site where they say there is no information based on my SS #, yet they say that my loans are being handled on the same page ( screenshot attached ). I logged out and attempted to log back in with my new password, and the unavailability message is back. How is it that I have no access to MY information?! 
I plan on graduating this year which means that my loans would come due. I am not comfortable with this sketchy company having my personal information or access to my finances. 

I appreciate any help that you can provide. 
Thank you.
Consumer complaint received 2023-03-25
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: Glass Mountain Capital, LLC (MI)

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
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 an account without written instructions 15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR.

My rights have been violated several times over and I keep reporting this over and over and have been reported to this agency previously and to the third party by mail stating no such double payment shall be issued. By statute I am due relief and remedy the same as XXXX XXXX XXXX  has already been issued via 1099-A by the treasury. Again no malice is being issued, only frustration peaceable.
Consumer complaint received 2022-07-09
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. (IL)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (NC)

I paid off lease # XXXX for purchase in the Name of XXXX XXXX  on XX/XX/XXXX. The Lease is through GM Financial. The Lease was for a XX/XX/XXXXXX/XX/XXXX serial # XXXX. This was a lease in my mother 's name. As she entered a XXXX XXXX and we rearranged her finances, I decided to pay off her lease and purchase the car for my own use. Since the payoff I have repeatedly attempted to obtain a title. To date I have faxed the odometer statement and titling instructions a total of 4 times and to 2 different # 's supplied to me by GM Financial Representatives. I call weekly and every week there is a new excuse. First they don't have a fax, then they have the faxed odometer statement, but not the titling instructions. Both documents have been included in all of the faxes sent, and I verbally communicated and faxed ( 4th fax of the same docs. ) titling instructions on XX/XX/XXXX. It is now XX/XX/XXXX and I am on hold again after insisting that I speak to a supervisor and faxing the same documents to her direct fax line. This is my 5th Fax transmission all from a business fax line that sends as many as 100 faxes/day. She has purportedly called the Titling department to and passed the documents to them. However she has informed me there will be a 3-5 day delay for " processing '' : I feel at this point, that this is a pattern of behavior with the objective of holding the title after receipt of the payoff in order to make the asset side of their balance sheet reflect a more positive number. When one works the numbers conservatively, if GM Financial is successful in holding titles for 25,000 units at an average payoff amount of $ XXXX for 30 days it is a $ XXXX addition to the asset side of the balance sheet. This is called working the " Float '' and GM Financial appears to have it down to a science.

The length of the title transfer process of GM Financial needs to be looked into by the the CFPB and punitive actions should be taken.
Consumer complaint received 2018-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I accidentally did a mobile deposit check and now Im having problems opening a new account for my husband paychecks. Please can you help me with this matter I didnt know it was a fraud check. The amount was XXXX and something
Consumer complaint received 2018-08-28
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: EQUIFAX, INC. (HI)

Equifax has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX XXXX XXXX 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C1681 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 2018-08-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (CA)

We have sent several certified letters and emails requesting payoff amounts, proof of fees, history of payments and other pertinent information. 

NES acknowledges receipt of requests but will not respond or even provide any useful or relevant information in writing. 

The one form letter/statement NES sent left more questions and problems than answers and it did not respond to any of the concerns we inquired about, like the allegation of there being more than one account.

They have said several times that they can only communicate by telephone and thus provide no written records.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I have a derogatory mark listed on my all 3 of my credit reports listed by a company name of XXXX XXXX XXXX. I do not and have NEVER had a contract signed with the listed company. According to my credit report the company is a third party collection agency for XXXX XXXX. By Law a third party company can not collect on a debt that is not belonging to them, so therefore it is requested that the debt listed in the amount of {$850.00} be removed from all 3 credit bureaus immediately. The company has failed, lacked to provide documents of the validity of the debt with their office and being that they can not provide a validity of the debt with them XXXX XXXX XXXX, the debt must be removed along with all call to cease!! I do not have a contract with XXXX XXXX and as a third party collector they can not collect a debt that is not owed to them!!
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

*** Missed portion of the initial complaint*** The company failed to address them illegally collecting in the state of Texas . Texas Surety bond information as required by Sec. XXXX. I attached a filed complaint with the Texas Attorney 's General office and a copy of them not have a valid and open surety bond. This company is in violation of Texas law and I demand for this to be removed from all 3 credit bureaus. So apparently, they did not read my complaint in its entirety. Per this requirement you must delete this trade line. 

And you somehow just wanted to close the previous complaint without them specifically addressing all my concerns. Sending me the validation was only part of it. How are they allowed to illegally collect in the state of Texas which is why I filed a complaint with the Texas Attorney Generals office, which is attached. All their surety bonds are closed.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602A 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 2022-07-09
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. (NJ)

I have a closed a count on credit report which has disputable closed dates showing on XXXX XXXX and equifax. XXXX shows that the account was closed XX/XX/17, XXXX is showing the account closed XX/XX/17. This information isn't consistent on reports.