davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation (VA)

First, let me describe the problem and the abhorrent practices that I believe are in violation of the law. I had to do research to obtain the following information which included obtaining information from the FTC. 

I keep getting repeated calls to my telephone number by the following company : NCC ( Nationwide Credit Corporation ) XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX The repeated calls from NCC have a recorded message ( possibly robo dialed ) for another person to call them, even though this telephone number is not registered in that person 's name and never has been. Further, that person does not live at this address. I've had this number alone for over 32 years. 

NCC leaves only a long distance number to call them which would cost me money. No option to talk with anyone and no toll free number provided as required by law. 

The calls just keep coming, why should I have to pay and waste my money to get a lawless company to stop harassing me when I am not even a party to the debt? 

So I call the FTC & they are able to lookup a toll free number. I have since called NCC and told them that this phone is mine and does not belong to the person they seek ( name provided to them ) & that no such person lives here. I told them to cease and desist. Why should I have to waste my time & be put through all of this nightmare when I am clearly not the person they seek? 

Why are these companies allowed to behave this way? Harassing a person that they know full well is not the individual that they are after? This number is listed and anyone can see that it is not the telephone number for the person that they seek. 

This is abhorrent to keep harassing me without giving me a toll free number or an option to talk to anyone. This is terrorism by telephone and this company needs to be punished for these underhanded, deceitful & unlawful practices. 

I don't feel violated, I have been violated and it's totally uncalled for. Debt collectors are supposed to provide a toll free number if they demand a return call and they have no right to harass the innocent. Hint, my number has a very male name and the person they are after is female. Is this a reading comprehension problem on the part of NCC are do they intend to terrorize everyone with a similar last name trying to get them to pay the debt of another person? This is disgusting XXXX behavior.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA (MN)

In short XXXX XXXX XXXX refused to offer me a reaffirmation agreement because they stated numerous times that my bankruptcy was cancelled. I called nearly @ dozen times to tell them that it was active. They refused to let me speak with a supervisor or anyone else who would be willing to listen and investigate. Eventually they decided that my bankruptcy was active but made up different reason why they could n't offer me reaffirmation. One guy said we sent it in the mail, but to the wrong address. Now they 're trying to repo but no matter how many times I tell them my address, they keep trying to go by another states law in order to short cut the repo process.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Some hackers had my information and got a credit card in my name and now I cant get a capital one credit card. I didnt know that I was a authorized user on the account and I checked my credit score and it said that I had a capital one card in my name. I need some help so I can get my credit score back in order.
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (DC)

To whom it may concern, I am filing this complaint for the THIRD time because upon my research it appears that Lexisnexis is furnishing invalid, inaccurate, unauthorized, and unverifiable information on without written consent. I have wrote to courts and pacer and i have proof that each one of the do not provide information to third parties companies such as LexisNexis. Lexis Nexis promotes fishing bankruptcies on Pacer which is a third party who search for information and sells this consumers information without written consent. By reporting this information it has terribly harmed my ability to obtain credit and caused great harm to financial well being. I demand that this information based on the my permission. LexisNexis provides inaccurate unauthorized and unverifiable information on companies Verified and Unverified consumer reporting list. I have attached my supporting documentation to this complaint. I demand this information be deleted immediately from my profile on your verified and your unverified consumer reports, By reporting this information you are in violation of multiple consumer laws in including privacy law *15 USC SEC *** ( a 4 ) *15 US Code** b Permissible purpose of consumer reports *15USC*** a ( e ) Investigative consumer report by the provisions By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from report immediately. It is my understanding that you will recheck these items, and remove immediately. Also, since The Company wants to fabricate on last letter ( XX/XX/2022 ) attached is copy of my ID and proof and resident and email from Lexisnexis showing that have received my verification dated ( XX/XX/2022 ). I would like to know who gave Lexis Nexus permission to put XXXX XXXX bankruptcy on credit profile. I need to see a wet signature, and I am going to keep filing a complaint because LexisNexis is lying and never tried contact me via email STOP! falsely putting thing on these letters to cover up your wrong doings.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2023 I opened a checking account with a {$500.00} electronic deposit and on XX/XX/2023 deposited {$500.00} to qualify for an advertised {$320.00} reward/bonus. Two stipulations where that the deposits be made electronically and kept in the account for 3 months. After that time the account would be reviewed, and the bonus would be deposit into the account. At that time the bank determined that my deposit didn't meet the requirements of a qualifying electronic deposit, therefore I wasn't entitled to the bonus. On my bank statement for the deposits made it lists the deposit as " Total amount of qualifying electronic deposits ''. I made a complaint at the bank, however, they said I didn't qualify because the deposits weren't monthly deposits like social security payments, work payments etc. I believe I met the requirements and that the bank should honor out agreement. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX XXXX from XX/XX/2012. Convergent is the sixth collection agency to attempt to collect the debt. The debt is not mine and all other collection agencies, in addition to the original creditor, have been informed that the debt is not mine. 

I sent a debt validation letter to Convergent requesting proof that the debt was mine. They sent me a letter stating that the debt was valid along with a bill from the account on which the debt is owed. The account was not mine and, again, the debt associated with the account is not mine. 

I called Convergent on the phone and let them know that what they sent me was no verification at all of a debt owed. They informed me that they would send documentation with my signature proving that the debt was owed. This was weeks ago. Convergent, through inaction, has refused to appropriately validate the debt. 

Additionally, it should be noted that the alleged debt first became past due in XX/XX/2012.  According to Florida law, the debt is time barred due to the statue of limitations.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

On XXXX XXXX, 2016 I filed a Chapter XXXX Bankruptcy and the Servicer Caliber home Loans was obligated to post approximately {$5500.00} in the suspense/unapplied payments account to my post petition regular payments, plus another {$4500.00} approximately that I sent them during 2016 and they failed to do so. I need them to immediately send me an updated balance and payment sheet as soon as possible with all of this payments posted correctly.
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (ID)

Between XX/XX/XXXX and XX/XX/XXXX my credit score dropped from XXXX to XXXX. The credit company states that this is due to : a derogatory public record or collection filed. I have never received any legal documents to verify this claim via the mail or otherwise.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TX)

I use Barclay Card and went to use my app and they had said I needed to call XXXX for Service, not sure why no notice or email. I called this number two phones at a time and set on hold for longer then 45 minutes 6 times and nothing still. I finally called another number to get my payment paid but he said I had to talk to customer service before my online would be active, he transferred me, and then disconnected me instead. i am still currently on hold for another 25 minutes and counting and nothing still. This is complete waste of time for a working individual. Credit Card Companies should be ashamed of themselves for this kind of service.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and I noticed numerous violations and inaccurate information on my credit report and then proceeded to contact the credit reporting agencies that were reporting the violations and inaccurate information but they did not fix the numerous issues.
Consumer complaint received 2019-10-21
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)

Transunion continues to report a fradulent negative account on my Credit report. They are in violation of the FCRA.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

I AM VERY XXXX XXXX XXXX AND CAN NOT HEAR WHEN HEADSETS ARE USED AND IT IS NOTED ALSO ON MY ACCOUNT. 

I HAVE BEEN POKED FUN OF AND GIVEN THE RUN AROUND TOTALLY TODAY JUST BECAUSE 6 FOLKS REFUSED TO ACCOMODATE ME NOR GET ME A PERSON THAT I COULD HEAR. 

MY DISPUTE WAS NEVER PUT THRU.
Consumer complaint received 2015-08-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (SC)

I opted out of ACH automatic debit after the death of my father. I was and am experiencing hardship. Cash Central attempted to illegally debit my checking account. I have documents to prove this. I had a stop payment issued to protect me. But Cash Central emailed me indicating the illegal attempt to debit. 

I am now trying to work with an attorney to help me with settlement or bankruptcy as too far behind to make timely payments. 

Is there a fine that can be issued to Cash Central for their illegal actions? If so, perhaps I can pay my debts with that money and be spared any further hardship. I appreciate all help with reparations for this crime against me. They were very intimidating to me on the phone. I felt extremely threatened and violated as my rent money was at risk. 

All help appreciated, including attorney referral. 

***Please let me know where to forward documentation. I will need to find the paperwork and email to you in a separate communication as I recently moved. 

Regards
Consumer complaint received 2021-09-09
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. (NC)

In XX/XX/2019 through XX/XX/2019 I was contacted via email by XXXX XXXX that I had to make a payment. I paid XXXX, XXXX, XXXX, and XXXX dollars payments for an account that I did not open. Someone opened a fraudulent account in my name and it has caused issues with my credit report and the account does not belong to me. I had contacted XXXX credit several times letting them know that the account was opened in my name but not by me.
Consumer complaint received 2021-03-25
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. (GA)

My name is XXXX XXXX XXXX. I filed bankruptcy last year. My bankruptcy has been XXXX months ago but my credit report still has previous debt. I have contacted the creditors and credit bureaus. The information is still there. I need help resolving this problem.
Consumer complaint received 2022-02-21
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. (NY)

I am writing again in regards with the account listed below to inform you that I am the one disputing this debt. I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. Please update to PAID AS AGREED/NEVER LATE. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

I received an alert XXXX/XXXX/18 about a change in my credit report, a collection account had been added/opened. I had no idea what or why this came completely out of the blue. I called XXXX XXXX XXXX XXXX ( Listed as the creditor on the report ) on XXXX. Got the run around, requested proof of what they are claiming. Original creditor listed as XXXXXXXX XXXX I have had XXXX XXXX the past 6 years and am not aware of owing anything. Enhanced was unhelpful and rude when I called, this is clearly a scam to extort money holding your credit score XXXX. I have sent a letter to them demanding proof and requesting this be removed immediately from my credit report.
Consumer complaint received 2021-08-06
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 — Investigation took more than 30 days
Company: World Acceptance Corporation (LA)

Started the loan a world finance on XX/XX/XXXX and ended XX/XX/XXXX the amount was {$850.00} this action is taken by me.
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, XXXX, I made a purchase, with my Macy 's card in the amount of {$16.00}. I went home and did n't think about it. The holidays came and went and, on XXXX XXXX, XXXX, I received a letter from Macy 's ( no date ) saying that they had been unable to reach me for some time and alluding to me experiencing financial difficulties. I contacted the number on the letter ( XXXX ). However, the representative could n't access my account using my telephone number ( home or cell ). It was then I found out that Macy 's had incorrect telephone numbers for my account. The representative could n't divulge the numbers on file, but did tell me that they were not even in the same area code. I have had my home number and my cell phone number since XX/XX/XXXX, so I am confused as to why there were different numbers associated with my Macy 's account. It also appears that Macy 's did not have my email address on file. I was then told that I had an outstanding balance on my Macy 's card in the amount of {$140.00}. The representative could n't tell me what the purchase was for ( I did n't remember spending over {$100.00} at Macy 's recently ), but did tell me that it was for a purchase made in XX/XX/XXXX. I searched my receipts and found the one showing the {$16.00} purchase. Macy 's add added {$130.00} in late charges and fees onto my original {$16.00} purchase! Of course I questioned why I had n't received a bill for the original purchase and I was told that, according to Macy 's, I was receiving ebills. However, when I contacted XXXX XXXX, they confirmed that I had not received any ebills from Macy 's since XX/XX/XXXX. After much wasted time and phone calls, I was able to get Macy 's to reduce the charges to {$24.00}, which I promptly paid. However, my account has now been closed and I have been reported to the credit bureau for non-payment! Macy 's reported my payment as late to the credit agency without even notifying me that I had a payment due. It took them five months to notify me that I did not pay a charge for a bill that was never received! Macy 's had my home address. If I could not be reached by telephone or email ( through Macy 's own negligence ), why was n't I notified by mail sooner than five months?! In addition, I have proof from my bank that I never received a bill. I will take responsibility for forgetting the charge ( which is why I accepted the {$8.00} late charge to settle the account ). However, Macy 's was completely negligent for 1 ) not having the correct contact information ; 2 ) not verifying that the ebills were being received ; 3 ) not following up on the non-payment sooner than five months later. Upon checking reviews of Macy 's, I see that I am not alone with what happened to me. There are several people who are complaining about the same issue.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

I had many student loans with naviet and they told me to consolidate them. I consolidated them and my loans went from XXXX to XXXX. When I called to ask them about it for months they kept telling me that when u consolidate it just shows double for a while. Finally four months later when I called they told me that it was not doubled and that was my outstanding balance. So lost what to do now. I did it to make my payments cheaper not to go into debt for more. Now my student loans are more then my mortgage on my house.
Consumer complaint received 2021-06-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.