davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

On XX/XX/XXXX, my XXXX XXXX XXXX was repossed due to hardship. I contacted Prestige Finance company and spoke with XXXX XXXX, she stated to me what i needed to pay to retrieve my vehicle and that was the all we talked about on Monday. 

I then called back on Thursday at XXXX XXXX, where I paid the debt to retrieve my vehicle back. Ms XXXX emailed me a form to fill and return back to her, and she still never told me where my car was being held. I emailed her at around XXXX because i still haven't heard from her about my vehicle. She sent me numbers to contact individuals where my car was and where i can retrieve my belongings along with my tags. So when i called the number which was to XXXX XXXX, when talking to XXXX he asked me about my tags and i told him my tags should be on the vehicle. So I called Ms. XXXX back to inquire about this infomation. She said they do this to protect your belongings just in case the car get sold. I told her she didn't follow Md laws pertaining to my vehicle. The car had no business being at the auction, according to Md law I had up to fifteen day to retrieve my vehicle from the repossession place. 

When I called XXXX on Thursday at XXXX or XXXX, they were closed, so i call Friday morning at XXXX. Thats when XXXX told me about my tags not being on the vehicle. Then i had to make an appointment to retrieve my vehicle which not until Monday. 

Ms. XXXX never discuss to me where my vehicle was located and how long i had before they sent it to auction. The company never followed Md laws with notifying about my vehicle. I spoke with XXXX. XXXX supervisor, she then told me that thd didn't have to disclose that information about the vehicle.. 
Needless to say, i dont have the vehicle until Monday and i have to {$50.00} to retrieve my tags before i pick up my car.. 

This is so unfair to me because the day I paid to get the car is the same day it was towed to the XXXX XXXX XXXX. And again i was not informed of any of this ...
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (FL)

I recieved a notification in the via XXXX XXXX saying I have collection. 
I never any mail correspondence from the XXXX. 
They say they used a previous address, however, I had moved and have all mail forward to my XXXX XXXX XXXX I've had for 6 years as well as receiving many mail correspondence from other bills without incident. For some reason I never received any forwarded bills from XXXX. 

No contract was made to me to collect debt My address was forwarded I was never called about debt XXXX XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX ( hospital bill org )
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (AR)

I was contacted by an individual claiming to work for Ameri Save, a mortgage company. The number was XXXX. I had done a few internet searches to research the legitimate mortgage companies, XXXX and XXXX XXXX. I applied to only XXXX mortgage via telephone, not an online form. Somehow my internet searches were monitored and my private phone number was mined and sold to this company claiming to work for Ameri Save.

I find this activity disturbing and the US government needs to work further to crack down on data mining for simple internet searches. I blame the government for this as much as the companies mining and selling the information.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (VT)

I applied for a mortgage refinance with Guaranteed Rate on XX/XX/XXXX. On XXXX an appraisal was order on my property. The appraisal was conducted on XX/XX/XXXX. The appraiser sent the appraisal to Guaranteed Rate on XXXX. I requested a copy of the appraisal from Guaranteed Rate on XX/XX/XXXX and they denied they had it. On XX/XX/XXXX Guaranteed Rate informs me they have the appraisal, that it came it low but they still do not send it to me. On XX/XX/XXXX they add 3 points to the loan and change the loan amount. On XX/XX/XXXX I canceled my application. On XX/XX/XXXX they try to send me a copy of the appraisal, in the email it says " Per ECOA we need proof you have received your appraisal before we can complete the application withdrawl ''. 
By withholding the appraisal they did not afford me the opportunity to check for error and omissions and possibly challenge the appraisal. I feel like this was a bait and switch situation.
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Ive been trying to have all information removed from my credit many are paid off and others I have no clue whom they are. Ive reached out to theses companies and neither would provide me with anything about these debts. They 've called me harassing me as well the credit bureau refuse to verify these companies. Ive dispute with the credit breau over and over and nothing has happened.     Account Name :   XXXX   XXXX   Account Number :   XXXX Account  Name :   XXXX   Account Number:  XXXX  Date:  XXXX    Balance   : {$450.00}   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   XXXX   Account Number:  XXXX   Date :   XXXX   Balance : {$610.00} Address :   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Date :   XXXX   Balance :  {$740.00}  Address   :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   Account Number :   XXXX   XXXX   XXXX   Date : unknown Balance : {$450.00} Address :   XXXX   XXXX   XXXX   XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

the balance in full of {$230.00} on  XXXX / XXXX /   17  and the company states they have a hold on the account because the funds have not cleared. However the funds cleared my account on  XXXX / XXXX / 17 . Still it is now  XXXX / XXXX /   17  and they still have a hold on my account stating it still has not cleared.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Disputed inquiries on credit report and credit bureau responded without addressing my concerns. Sent a form letter explaining how inquiries on report, however verification nor deletion was done as requested. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Valor Intelligent Processing, LLC (TX)

Valor Intelligent Processing is in violation of the Fair Debt Collection Practices Act. I never gave Valor permission to contact me or use any communication. 

Item XXXXtion of 15 USC 1692f ( 8 ) - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Violation of 15 USC 1692 ( d ) ( 2 ) - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Violation of 15 USC 1692b ( 2 ) - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt Violation of 15 USC 1692b ( 4 ) not communicate by post card
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I continually receive  up to 30 m essages per day fro m Capital One c redit card company, trying to collect a debt. I am a person that lives on  XXXX  and this problem increases my  XXXX . I receive so many voice mail messages that it fills my inbox and I have missed very important medical calls and messages from my physician. Missed calls or messages from my care provides could result in delayed care that could be a threat to my life.
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

I opened a Chase checking account on XX/XX/2018. Immediately after opening the account I electronically deposited two checks for {$430.00} and {$990.00} respectively. Two days later, I attempted to log in to see if the checks were cleared but I was informed that my accounts were automatically closed. I called chase and the customer service representative told me that my accounts were closed for 1 ) reasons they refuse to disclose and 2 ) that my balances on the account would be sent to me in a check within 5-7 days.

It has been more than 5 days already and I haven't got my funds back. Chase is holding my money hostage and hasn't issued me a refund yet.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I have recently settled a debt in collection. I am trying to dispute the collection as already settled. I have tried submitted a dispute online but the verification information I gave was incorrect. Now, Equifax says I need to fax in my dispute. There is no fax machine available to me and this negative collection item is damaging my credit. I would like to dispute the item as settled but I can not move forward with the dispute process.
Consumer complaint received 2023-01-27
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. (TX)

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 : First Premier # 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. The afore mentioned accounts have violate my rights per the following laws : 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 2019-02-28
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: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX  are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX consistently talks to my relatives, as soon as they identify as a relative, about my debt, how much is owed, account information and attempts to collect payment from them. The latest attempt was XXXX about XXXX.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

For some reason Experian always hinders my credit score. My score with XXXX is XXXX as of XXXX/XXXX/2016. I was talking with XXXX Bank and they reported a XXXX score by Experian.That is XXXX points less. This happens with a regular basis and consistently holds back minorities ability to purchase a home.Consumer Financial Protection needs to look into why is there such a discrepancy.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (AL)

I have received many calls from XXXX XXXX / XXXX that are rude and threatening. I either speak with them or they leave voicemails. I have asked them each time to not contact me at my employment due to these calls not being allowed and possible dismissal if they continue is policy. They totally disregarded what I've aked them and continue to call. Today XX/XX/2019 at XXXX I received a voicemail from XXXX XXXX and then he immediately called my called my company 's office phone that I answered. I told him that I have asked them several times to not call my work cell or office phone and he said he wanted my HR department 's number immediately. I told him our HR department is not on site and he angrily said then give me the HR number to call concerning you. I politely asked him again to not contact my work ( bosses in office ) and hung up. I'm not sure what more I can do but I need my job and need them to stop calling my job.
Consumer complaint received 2017-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

Bogus Late Fee Charges  from Navient Student l oan. The amount bellow is for a bogus late fee. I have never been late. I have always taken the appropriate measure to defer or be  on Income base. Navient is playing games alleging that this o ccurred in  XXXX . This i  s False!
Navient To view all information regarding this notification, log in to your Navient inbox.
here 's a snapshot of your monthly statement.
Total payment due : {$85.00} Due da  te :  XXXX / XXXX / XXXX
Consumer complaint received 2022-09-08
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. (PA)

I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through XXXX XXXX, XXXX, XXXX Experian never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with Experian removing these fraudellent accounts
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

American Express ( AmEx ) denied a request to increase my credit limit today. They send me a letter explaining their decision was made based on information provided by XXXX dated from XX/XX/XXXX, showing a XXXX  score of XXXX. After spending 5+ hours with them over the phone, AmEx assured me that my credit information had been requested to XXXX as of today, XX/XX/2022. 

The problem is that my current XXXX  score with XXXX is XXXX. I have a membership with XXXX giving me live access to my XXXX  score. I then called XXXX for explanations and they advised that they were never contacted by AmEx today. Had they been contacted, they said they would have sent my latest credit report information dated as of XX/XX/XXXX to AmEx showing a higher XXXX  score of XXXX. 

The fact that AmEx based their credit line increase decision on outdated information and then lied about how they supposedly obtained this information is very disappointing. Moreover, this resulted in me being unfairly denied access to a higher line of credit, despite my good credit profile and income. The fact that many consumers out there have been provided higher credit lines by AmEx with less attractive credit profile make me wonder if any type of credit discrimination was at play here ( I have friends with lower XXXX  score and much lower income who have much higher lines of credits from AmEx on a similar product ).
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX I made a Kohls purchase and selected for two day delivery as I was heading out of town before XXXX vacation. My delivery was expected to arrive on XX/XX/XXXX. I was heading out of town on XX/XX/XXXX. For some reason or another my package was going from one state to another state and probably was in about 10 states. I have no idea when my package was going to arrive and neither did XXXX. So I called Kohls to cancel my transaction as I would not be home to receive my shipment at this point ( given nobody knew when it was going to arrive and I had to depart town on the XXXX ) and would be no good to me as I was already heading out of town for XXXX vacation and needed those packages with me to take as gifts for my loved ones. Either way my packages never arrived, and I dont know if Kohls ever cancelled my order as requested to do so by me. To this day Im being charged interest on top of interest late fees and all kinds of stuff on a purchase that was blatantly canceled on my end and never received. I keep trying to make a payment to keep my account current balance because I dont want it to go an affect my credit report. Kohls has taken no further action to resolve this issue its been going on for as I said since XXXX of my order was supposed to be canceled and Im still being charged with interest on top of it! Not only that every month my account is different my balance is different just the other month I was supposed to receive {$120.00} check because I was overpaid and I never received anything and then I received a letter from them saying that was an account mistake. I would like to see my account summary because nothing makes sense!
Consumer complaint received 2017-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (AL)

Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have  XXXX  accounts linked with the same account number on my credit report. Its unauthorized
Consumer complaint received 2021-04-21
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: AMERISAVE MORTGAGE CORPORATION (MA)

On XX/XX/XXXX XXXX Amerisave Mortgage Corporation inappropriately did a soft hit on my credit. I inquired about rates on their website without sharing my SSN. They sent me my credit scores stating they did a soft hit on my credit. I did not give authorization to check my credit. I called XXXX XXXX tel XXXX who sent me rates on my email after I inquired about rates on their website and he said that with my name and dob it is possible for Amerisave to do a soft hit on my credit. I want appropriate action taken against this organization and the soft hit reversed. They also kept calling me from 25 to 30 different phone numbers after that at night time and any time of the day. Every time I put a block they would call me from a different number. This organization is engaged in inappropriate behavior.