davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Pacific Credit Company, LLC (TX)

After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.
Consumer complaint received 2016-02-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BBVA FINANCIAL CORPORATION (CA)

I was supposed to receive a discount for having my loan deducted from my checking about at BBVA Compass bank ... I submitted the documents they mailed me in XXXX. I am still not receiving the discount..And everytime I call to inquire..nobody knows anything. I have even resubmitted the document and have received no response
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (TX)

I received a letter in the mail stating I owe Army & Air Force Exchange SVC the collection company is XXXX XXXX XXXX a balance of {$1400.00}. I have filed a police report and have disputed charges and sent documents to them showing I am a victim of identity theft. However, because payments have been made to Army & Air Exchange SVC for this account. They say I owe the balance. I have never made any payments to Army & Air Exchange SVC. I have not received a card from them or benefit from this card. I have sent another dispute letter. I recently received another collection trying to collect the balance a couple of weeks after I sent my dispute letter out again to them.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/2023, I received an update that my credit score had dramatically decreased. It appears that although I updated my loan Autopay information with XXXX for my auto loan, it did not properly register and failed to debit my bank account for my loan payment. I believe that this was not user error and was due to shoddy maintenance of the XXXX website, which is the only way to access financial information regarding my account. When trying to double check that I did not have any outstanding payments and double check that my Autopay information was properly updated, I attempted to access the XXXX website but was unable to do so due to additional website errors. I did not receive any notice of the failure to pay via a usable means of communication until the missed payment was reported to the credit reporting bureaus.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (MI)

XX/XX/XXXX. XXXX and XX/XX/XXXX XXXX XXXX sent a letter requesting verification and validation of account and there was no response. In addition this company is reporting inaccurate information on my credit report. The date of last activity and the last payment date is incorrect and is showing different on all 3 credit bureaus. 
Validation letters was also sent to the 3 credit bureaus and was not verified or validated correctly in XX/XX/XXXX.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synergetic Communication Inc (NJ)

XXXX was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss XXXX XXXX sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with XXXX, main office, and with Consumer Relations, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from Synergetic Communication , Inc. I feel exhausted disputing for this amount, XXXX have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.
Consumer complaint received 2017-11-29
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. (MI)

XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my XXXX cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my XXXX accounts are reporting as being in dispute. I called XXXX explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to XXXX 2 ) Page of my credit report showing the 2 XXXX credit cards with Consumer Statements
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I BELIEVE THE CREDIT REPORTS ARE SHOWING MY " FBN '' AS HAVING A SOCIAL SECURITY NUMBER AND PERSONAL CREDIT. THIS MAKES ME LOOK LIKE A UNAUTHORIZED PERSON WHEN I USE MY SOCIAL AND MY NAME TOGETHER ON ANY APPLICATION. 

I HAVE BEEN DENIED OPPORTUNITIES AND SUFFERED DAMAGES. 

I HAVE YET TO SEE ANY ORIGINAL INSTRUMENTS IN THERE ORIGINAL FORM THAT WOULD QUALIFY AS FACT OR EVIDENCE. 

I HAVE NOT RECEIVED A NOTICE OR BEEN SHOWN ANY PROOF OF ANY RULES BEING ENFORCED. 

I HAVE REQUESTED MY CREDIT REPORTS AND BEEN DENIED ON LINE A FEW MOMENTS AGO TAKING PICTURES OF THE SCREEN AND PRINTING ERROR MESSAGES. 

PLEASE HELP! 

THANK YOU,
Consumer complaint received 2015-11-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

I advised grand daughter that I may have a available balance on my debit card for a purchase. If not the purchase would be declined. She was able to make XXXX purchases and accrue up to XXXX in over draft fees. When I called Wells Fargo about the transactions I was informed, because you are a good customer we approved the transactions. I feel violated. IS THIS LEGAL?????
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

Mohela applied payments I made to the principal of my loans to " future payments. '' Basically, they took money I specifically directed that they make towards the principal of my higher interest loans, and then applied that money to my scheduled payments. It was not applied to the principal on any loans. It reduced my payments for a limited amount of time. 

For example, if my regular loan payment was {$600.00}, they took the {$2000.00} lump sum extra I paid and spread that over a couple years of payments, so I was paying {$500.00} a month for 20 months. 

They spread it over enough time that when I was just looking at my monthly payments, it looked like I had paid down the principle, so the monthly payment had come down. 

Before making the lump sum payments, I specifically called their customer service representatives and made sure I was following the proper procedures. I indicated the particular loan I was paying towards in the memo field of the check. 

Further, I can pay them monthly through their auto debit system, but to make payments on the principal, I have to mail a check. I have to rely on them looking at the memo section and applying my payment correctly. 

When I discovered this error and got on the customer service line to correct it, they said there was nothing they could do. I even talked to a manager.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion, XXXX and XXXX refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both Transunion and XXXX. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the Transunion and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to Transunion. They said they would send me a letter and that I should hear from Transunion in 30 to 60 days. Transunion refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your XXXX Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I took a call about reducing my rate - when I got a persona I asked them to stop calling me as I get these call almost every day. The person on the phone argued with me about my credit card debt, said they were from my CC company 's billing department, and why didn't I want to reduce my rate? I repeatedly told him I don't want any more calls then hung up on him as he tried to argue more. 

If it is my CC company it is Chase and the card is an Ink card.
Consumer complaint received 2017-11-29
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. (FL)

XXXX ALLOWED A FRAUDULENT INQUIRY TO BE MADE ON MY EQUIFAX CREDIT FILE IN XXXX 2017. I SUBMITTED A FORMAL COMPLAINT & AFFIDAVIT ( INCLUDING A COPY OF THE POLICE REPORT I FILED ) TO XXXX DETAILING THAT AN INQUIRY WAS MADE ON MY CREDIT FILE WITHOUT MY AUTHORIZATION. XXXX HAS NOT RESPONDED TO MY COMPLAINT NOR REMOVED THE INQUIRY FROM MY CREDIT FILE.
Consumer complaint received 2015-10-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TN)

Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Application processing delay — 
Company: NAVY FEDERAL CREDIT UNION (WI)

the credit card issuer navy federal fabricated the credit card credit amount which was maxed out based on revenge for filling prior complaints regarding fabricated credit by navy federal and their agents and associates in fact. 
navy federal futher failed to return fraudulent payments of XXXX to a va inspecter related to the home mortage at XXXX. 
navy federal failed to pay back fraudulently stolen money from I pay global of over XXXX dollars I filed a fraud complaint regarding navy federal fabricated prior credit denials for mortgage on XXXX XXXX XXXX. 
my home XXXX XXXX which was corrected after my initial ftc complaint. then let the mortgage run out claiming my name was un would not be accepted by them as grounds for no va loan but my name was registered at va as such when done. also their agents refused to give me pr proper answers to questions regarding an inspection by a home inspector. 
this droping of the mortgage application by fraud of nfcu is used by them to now claim my fault credit card dbt high is my fault when theirs for fixing credit and mortgage application denial and denying subswquent XXXX on bad creted nfcu manufactured with prior budys at credit bureaus and others. 
futher the fabricating of credit by nfcu is equal to or higher than what is claimed owed on fabricated credit card debt
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I booked a XXXX flight using Chase Ultimate Rewards points. The flight was cancelled due to COVID-19, and I should get a refund according to Department of Transportation Enforcement Notice ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund  ). However, Chase refused to issue refunds, citing the airline policy, and ignored DoT ruling. In addition, Chase refused to start a dispute or chargeback on my behalf, stating it was a point transaction and there was no way to do so.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I asked for my yearly credit reports from Experian, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but XXXX XXXX, and XXXX stated they had been sent, but I never received them. Experian would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.
Consumer complaint received 2015-07-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (OH)

XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one told me that if i opened a spark business card It would help me build business credit and it would report to my business credit report. They marketed the card to me as a Spark Business credit card. I specifically asked them during the application process would the card report to my personal credit report because I was working on my personal credit and opening new debt hurts my report. They told me that it wouldnt. Well thats not true. I found out that it did in fact report to my personal credit report. Its been hurting me ever since as I started using the card daily to run my business. Then the balance got so high from Interest rates and fees that Ive been struggling to pay it. When I called them to close it down and complain that it was ruining my personal credit report they told me that they cant close it with a balance. So I disputed the card with the credit bureaus as improper reporting. i lost the dispute. They allowed them to continue to report this to my personal credit. IT IS ruining my life to this current day.
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (VA)

This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report. 

As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.
Consumer complaint received 2018-06-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Management Services, Inc. (NE)

On XX/XX/XXXX, Credit Management Services ( CMS ) sent me a notification of a debt. On XX/XX/XXXX, via USPS certified mail, I sent a request of debt validation ( letter attached ). On XX/XX/XXXX, I received a certified letter from CMS containing a summons, stating that CMS has filed suit against me in XXXX County ( Nebraska ) Court. The court assigned case ID XXXX XXXX XXXX. To date, I have not received the requested and required debt validation from CMS.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF HAWAII CORPORATION (NY)

I applied for a mortgage loan modification with Bank of Hawaii, they sent me an offer letter for a forbearance agreement. I had a friend in the mortgage business review the letter, and he said I may be worse off after the 1 year of lower payments offered due to I will still owe all of the outstanding difference between the contractual payment and the reduced forbearance payments. I am unemployed and on private XXXX insurance. Since the XXXX is 1 year or longer I 'm not sure why they were not able to do a permanent modification? I asked what would happen at the end of the 1 year forbearance period, and if I could re-apply for a modification at that time, and they said no I need to sell the property before the 1-year forbearance period ends. I wondered if someone at CFPB could help me review my options and the offer letter? I need to send 1st forbearance payment by XXXX XXXX, 2017.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX