davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (PA)

Cavalry SPV I , LLC through its lawyers XXXX XXXXXXXX XXXX garnished my bank in XX/XX/XXXX and again in XXXX for money not owed to them. I had petitioned the Court to strike the Default Judgements XXXX XXXX XXXX. obtained without notifying me with a required Certified Mail 10 days notice. Both petitions were granted for the Judgements to be striken. However, XXXX XXXX XXXX still did not reimburse me for the {$250.00} fees I lost due their attempts to steal from my bank account. It caused me to suffer {$250.00} in loss for non refundable bank fees and have refused to repay it. They also damaged my Credit Report and have refused to compensate me for the damage on my reports since XXXX.
Consumer complaint received 2021-09-16
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. (CA)

I sent Experian notice of Identity Theft with instructions to block the information. 
Experian removed the information which is evidence of violations of 15 USC 1681e. 
Experian reinserted information which was known to be in connection with identity theft after removing said information from my consumer file. I have not seen or been presented with evidence showing proper notice was made for the reinsertion of the information which is a violation of 15 USC 1681i ( a ) ( 5 ) ( C ).
Consumer complaint received 2021-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I went to refinance my mortgage and had everything ready to go and then the bank calls and says they cant approve my loan due to a recent unsatisfactory judgement from wakefield and associates. I had taken out a XXXX loan in XX/XX/XXXX and that judgement didnt show up on my credit plus I have taken out another XXXX in personal loans in XXXX and XX/XX/XXXX and again nothing about this on my credit report. So I contact wakefield and i will attach the email that says the whole story.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MN)

On Friday XX/XX/2021 I made the minimum {$20.00} payment due for : XX/XX/2021 at Discover. I used XXXX bill payment next day service that I have used periodically for years with no problem. Discover maliciously Stolen my {$20.00} payment because they have hatred of XXXX Consumers ( as stated by Discover customer service ). I called prior to confirm this payment was on the way but Discover choose not to do business with XXXX where a business can see and monitor " Incoming Payments ''. Discover took back my {$20.00} payment in the form of a Fraudulent {$20.00} Late fee which is total Theft. When I call to have the fees reversed I get a hate speech condescending lecture about using XXXX bill pay by Nasty Discover customer service reps. Disrespectful arguments that have nothing to do with the issue, Discover is hateful of XXXX because they make money in fees from these form of bill payments. Money Discover doesn't get ( and they know it ) so they decide to Abuse and Steal from there customers as reprisal which are unfair business practices. 
I will file a Police Report to this as well. Enough is enough.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners (OH)

XX/XX/2019. Amount {$430.00}. Contacted the company with violations an invoice and cease an desist letter 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe. 
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections. 
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement. 
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2021-09-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (TN)

This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.
Consumer complaint received 2021-09-16
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Revenue Cycle Associates, Inc. (AZ)

XX/XX/2021 the rep called from Revenue cycle associates at XXXX XXXX, Im upset they are harassing me so early in the morning an being rude about it. This needs to stop immediately as they are not allowed to legally call me that early. I want all calls to stop and to only contact me via mail for now on.
Consumer complaint received 2019-03-18
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 (NY)

LEXISNEXIS XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX  XXXX XXXX XXXX XXXX, TEXAS XXXX AXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX LexisNexis has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of LEXISNEXIS that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including LEXISNEXIS could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves LEXISNEXIS never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Consumer complaint received 2022-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

In trying to manage my student loan accounts, I have been trying for months to unenroll from automatic debit payments. When payments resume, I simply wish to submit my payments manually each month. 

Each time I ( or any borrower I assume ) clicks " Cancel Direct Debit '' it logs me out and says an unexpected error has occurred. I assumed this was a temporary issue, and have been trying for months with the same result. 

I have contacted FedLoan Servicing ( the servicer ) on XX/XX/2022 and XX/XX/2022. They will not respond, help me cancel direct debit, etc. 

With continued uncertainty surrounding student loan repayments, it is not unreasonable for consumers to wish to monitor their loans closely and submit payments themselves when payments resume. I simply wish to opt-out of direct debit, but FedLoan Servicing is making that impossible.
Consumer complaint received 2022-11-19
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. (FL)

In accordance with the Fair Credit Report Act, The list of accounts below has violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without 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 or any other adverse item of information other than a record of convictions 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 any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-11
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. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( spoke with XXXX at XXXX ), I made contact via phone calls and written asking for proof of a signed contract by myself and them and if they would provide it, I'd gladly accept responsibility. 3 disputes were filed with XXXX, XXXX, and EXPERIAN. The disputes was resolved in the favor of the collection agencies, I found this out upon checking my profile, so XXXX I filed a 4th disputed with all the credit agencies asking for written verification proof and a signed contract between these reporting collection agencies or to remove these item from my credit file. 

I owe no debt to XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX I never signed a contract with them, nor do I know who they are. In accordance with the FCRA. These companies along with XXXX, XXXX, AND EXPERIAN has violated my rights under 15 U.S.C. 1681 602 A. states I have the right to privacy. 15 U.S.C 1681. 604 A. Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) states a persons shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

While checking my credit report on XX/XX/XXXX, I discovered that there is a collection on my report from a company named Convergent Outsourcing for {$950.00}. I called them and they mentioned it was from XXXX. I was surprised because I'm a client of XXXX and have been since XXXX and I pay my monthly bill and had no past due balances, and they were not calling me to collect any debt. So, I called XXXX. After talking to 5 or 6 different people from XXXX, they determine that the collection balance was related to the fact that I transferred my account when I moved using the mobile app and according to them, that created a new account in their system and, once I moved, I never knew they were charging me anything. Their explanation makes no sense to me. Why would XXXX have an application to transfer services when you move and then penalize you by opening a new account and left hanging the old account to create charges for equipment not returned, and a snowball of charges and penalties unknown to me? On top of that, they had me and have me as a client!! XXXX could have called me and send me letters to my current account and address ( which is what they should have done by consolidating the 2 accounts when I moved like I have done on other occasions in previous moves ). To add insult to injury they sent the old address account to collections seriously impacting my credit not only for an incorrect amount but without my knowledge and without giving me a chance to dispute it. They have violated so many consumer protocols!!! And when you call either Convergent or XXXX, they give you tons of excuses but don't solve the problem they created. On my first dispute, they reduced the {$950.00} alleged debt to {$370.00} without any explanation and when I called to ask about the new balance NO ONE could explain why. At this juncture, I want the collection to be erased from my credit. If these companies can be penalized under the FCRA or any other law, I want them to be fined as well. It is very unfair to ruin a current customer 's credit by reporting a collection that they created and that is not only inaccurate it is simply wrong and non-existent for an equipment that they know I have and use within the new account that I've had with them for XXXX years before they reported the collection.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IN)

Tried contacting Citi bank to close my savings account last month was told they cant because of negative balance the balance was only negative because of a maintenance fee that was charged in error Citi bank agreed to adjust off the fee but they cant do it at the present time and I will need to contact back again. Account is now been charged another maintenance fee because unable to get ahold of Citi. I just want the account closed.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been communicating with Capital One since XXXX about changing my name on my account. I was told to send over documents to prove I legally changed my name, I did send over the information and the name was changed on the account with new cards coming in the mail shortly after. I registered the card via the online system to make my payments, but then I was kicked out of the online system. For the last three years I have been calling and been transferred from department to department, everyone uses the wrong pronouns. I was in the hospital multiple times since XXXX and while I would like to keep my account payment up to date it has been hard to do when I have to call all the time just to pay. On XX/XX/XXXX I spoke to XXXX who was supposed to help me change the information once and for all so that I can get on with my life. We were speaking to someone at XXXX XXXX named XXXX, while she was assistance us, XXXX from capital one hung up due to capital one closing and did not call me back. 

Now my account is very very out of date and the supervisors will not talk to me until I bring the account up to date, but the account has been maintained and its not my fault that no one will help me with my account information. I feel like they are not trying because of my gender identity. I was mailed new cards, I have been using the cards for years, I pay the bills under the name XXXX. What is the issue with helping me update my account. I want my account updated so that I can log on and pay and manage my bills. I think this going on for three years is unacceptable and capital one needs to help me. I can pay the bill, but why should I when you continue to discriminate against me.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Certegy Holdings, LLC (CO)

Tried to write a check for groceries at XXXX XXXX for {$68.00}. The transaction was denied by Certergy Check Services ; a check verification service, without cause. On multiple attempts to find out why, the agents of Certegry, via phone provide no useful help or information. The date of the incident was XX/XX/2019. The location was XXXX XXXX XXXX, XXXX Colorado. I have shopped at this store for 10 tears and other branch stores for 40 years and have never had a problem. I have no history for financial problems and the account is valid and at least 20 years of active use with a positive balance and overwrite protection that has never been used.