davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NV)

Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This company is attempting to collect on an item that belongs to XXXX. I reached out to XXXX but privacy laws and statutes of limitations hinder me from receiving any information on this matter making this unverifyable ... this company is very aggresive in there collection efforts and i need confirmation and validation from XXXX that this company is associated with them. Also i need a letter from them, or a copy of their license, saying that they are authorized to collect in Florida. We want all the statements of this account, not just the last XXXX or XXXX. We want original creditcard application showing date and my signature ( and not a print screen print out of there computer screen. They are showing theywant to collect {$4200.00}, and this item shows to have been for {$3100.00}. So you can see why its important we receive all statements to completely 100 % verify and validate the accuracy of this company and the item they are collecting. I am asking for a letter from XXXX and XXXX XXXX, on XXXX and XXXX XXXX letterhead, that this company is collecting on an item that shows as belonging to XXXX, and the letter shall have XXXX and XXXX XXXX contact information and my account information on it as well, so i may confirm its authenticity. I dont want a " print screen '' print out of there computer screen. I want them to stop all collection efforts either by mail, phone or litigation, and to remove there item from my consumer credit reports.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a charge on my Capital One Venture Credit Card in XXXX. The exchange rate was 12 % less than what was advertised by Visa. 

Per Capital One : They do not charge any bank fees on foreign transactions and the Visa rate should be the rate reflected on my transactions. 

MY charge is currently being disputed and took some pushing on my side for them to understand what was going on and even dispute the charge. But given the size of Capital One and Visa this could either be a honest mistake, that needs to be rectified quickly for many card holders. Or possible intentional fraud that can push millions in profits towards these companies that needs to be investigated and rectified.
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I reviewed a current copy of my credit report and I show inaccruate payment information to home loan account XXXX account number XXXX. This account has always been paid on time as agreed and never late. I have contacted creditor and credit bureaus to advised that no such late payments have been made. I am having trouble with send in dispute to have this updated for review.
Consumer complaint received 2015-10-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (MD)

XXXX for my daughter on XXXX XXXX, XXXX. My health Insurance provider paid this medical bill in full in XX/XX/XXXX for the visit and the physicians. XXXX XXXX XXXX has sold this debt to XXXX different collection agencies. Those collection agencies were provided the proof that this medical bill has been paid in full by the health insurance provider XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Once again, I am being harassed by another collection agency.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

This is a repeated complaint regarding CapitalOne 's annual fees and resulting lates fees, finance charges, and negative credit reporting. I have several cards, most of which I've had for many years, maintain in good standing, and most I keep completely paid. When I don't use the cards for an extended period of time, I should not be charged and annual fee. If I am using a card, and receiving the cash back benefits, then paying the fee is not unreasonable. 

Contrary to policy several years ago, CapitalOne now " automates '' the process of waiving annual fees and late fees, instead of allowing and empowering the individual phone agents with the ability to view the accounts ' history and offer the accommodation ( s ). 

The specific card is one of several I have not used for many months, yet is being charged an annual fee, subsequent late fee, and related finance charge.
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (VA)

In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX XXXXe group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " CAVALRY SPV I , LLC, '' which showed XXXX  XXXX, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But Cavalry 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the XXXX XXXX card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of Cavalry but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.
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. (NC)

Ive requested an investigation multiple times in the year XXXX and XXXX but to no avail. My request has fell on deaf ears numerous times regarding issue. This account was charged off on the following date ( XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX In addition the following entities are claiming to both own the same debt by XXXX and XXXX XXXX who does not show up on my credit report but has made attempts to collect a balance on the debt theyve purchased. As you know, this shouldnt be possible and a violation of my rights. Because of this, the account needs to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately When the requested above deletions are made, please mail me an updated copy of my credit report
Consumer complaint received 2023-03-28
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: Mobiloans, LLC (ID)

I received a text message today XX/XX/XXXX. I called the number back and they told me that they took me to court and that they're going to arrest me if I can not pay half of the Debt but I never received anything in the mail about a court date or anything and this happened back in XXXX. They have all my current information but the debt was done in california. I tried to contact mobile loans themselves. They said it was sold to a 3rd party deck collector XXXX XXXX XXXX  I call That number and they told me that it was sold to another company in XXXX XXXXXXXX XXXX XXXX. I tried to call that company and their number does not go through. The lady told me on the phone that I have 2 hours To come up with XXXXXXXX XXXX or they are sending someone out to arrest me. But like I said I never received anything about me being sued or I would have responded. I am very scared I can not be arrested I have children.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (DC)

XX/XX/XXXX changed insurance to XXXX XXXX XX/XX/XXXX Insurance disbursed was XXXX XXXX where is that monies ) You said a partial refund was deposited into my escrow XX/XX/XXXX of XXXX. So that mean I should have been over my escrow amount. So I should have gotten a refund. 
Escrow statement dated XX/XX/XXXX my XXXX payment is XXXX Escrow statement dated XX/XX/XXXX my Current payment is XXXX That is not my current payment. I am payment more for my Mortgage then suppose to based on the Escrow statements. 
Where is he refund. Someone is doing something with this money.
Consumer complaint received 2016-09-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RS Clark and Associates, Inc. (TX)

Original debt owed was to an emergency room, which I was never contacted by until a third party collector contacted me. Once contacted I paid immediately. Several years later they will not remove the account from my credit even though it is a medical bill.
Consumer complaint received 2016-11-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

WF is 1 ) arbitrarily " converting '' accounts to ones with higher fee requirements ... 2 ) deceptively using online statements to communicate this unexpected account conversion activity not requiring statement review and ... 3 ) failing to disclose and notify account holders of alternative accounts with similar fee requirements of existing accounts in the same statements regarding account " conversion '' ...
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. (CA)

15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the accounts. 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. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Compass Recovery Group, LLC (CA)

This is not my debt, I am NOT the account holder- Over the last year, this company has called me 8 times on my cell, and 4 times on my landline. They ask for me by full name, but then say are trying to contact a XXXX XXXX and ask for any contact info for her. 
I do not know this person. First they claimed she was my mother and that I had to tell them where she was because she owed them a lot of money. I informed them that was not my mother 's name, not even close, and then they said " oh well she is related to you somehow so you need to tell us where she is so we can collect the debt ''. 
Again, I informed them that I do not know anyone by that name, and just because someone shares a last name, doesnt mean they are 'related somehow ' so stop calling. They didn't. I blocked thier number and then they started calling from a new number. They won't stop. I don't have what they want-I don't know any XXXX ( an old co-worker, but he was a man and his last name was XXXX, so that can't be who they arecalling about ). 
I thought maybe this was happening if my credit was stolen or something, but nothing odd is on my reports, so why are they harrassing me about a stranger 's debt? How is this allowed?
Consumer complaint received 2016-05-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guild Holdings Company (CO)

I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all XXXX previously given 4 % rate. 
MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket {$2800.00} 3 days prior to close due to MLO and lender error. They gave $ XXXX credit on CD to try and make up for the additional {$6800.00} I will now pay in interest pay in interest if I do not refinance in 30 years.
Consumer complaint received 2015-10-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (VA)

My mother and I had the same first and last name. I continue to receive letters and phone calls from Northland Group indicating that I owe debt. I contacted Northland Group who requested my social security number and DOB. I refused to provide my SSI and only provided my DOB. At this time, I was told that my contact information ( phone number and address ) will be removed from their list since DOB did not match the DOB on file and that I will receive no more contact from Northland Group. I was then asked for my mother 's contact information. The very next two days I received phone calls from a man who did not introduce himself, informed me that the phone calls will be recorded, and immediately asked me for my DOB. I asked who he was and what this was in regards to. He told me his name and indicated that he is from Northland Group and that it is a confidential matter and that he can only disclose information if I verify my DOB. I gave him only my year of birth. He then indicated that my phone number will be removed.
Consumer complaint received 2016-03-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I have made repeated attempts to obtain my consumer report. Chex Systems Inc has failed to respond in an appropriate fashion. 

After failing to open an account with Simple.com and XXXX XXXX Checking due to my Chex Systems score, I ordered my report online. I contacted them via phone on XXXX XXXX 2016 and was informed that the report would be sent the next day. I called again on XXXX XXXX 2016 and told them that I had n't received the report - the agent said they would send another one later that afternoon. No explanation as to why I had n't received the first report was given. I called once more on XXXX XXXX 2016 and was informed that the report had n't been sent on the afternoon of XXXX XXXX as promised. It turned out that the agent I spoke to on XXXX XXXX had lied to me. However, they claimed to have sent it earlier that day ( XXXX XXXX ). They 've outsourced their customer service to XXXX, and it 's impossible to get in touch with anyone who 's actually involved with the company. I 've insisted on them giving me a tracking number for the report, as evidence that they 're actually sending it. 
I have a very high credit score and my banking record is very clean. I 'm not, and never have, been in debt. I can only assume that they 're reluctant to send me my report because there they are unable to validate the false claims. This is clearly in violation of the Fair Credit Reporting Act and I will pursue this in the courts, if this is not cleared up very soon. 
Please remove my banking record from Chex Systems with immediate effect.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Lendmark Financial Services (MD)

An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo paid {$6800.00} on XX/XX/2016 in County Tax from my Escrow account. However my county tax is only {$530.00}. I soon realized the mistake by Wells Fargo and found that Wells Fargo had paid the tax for wrong property address from my Escrow account. I got the Wells Fargo to pay the {$530.00} for my property. I also requested the refund of {$6800.00} which was wrongly paid. However I still have n't got the refund. It 's been 8 weeks of calling to Wells Fargo and all I get to hear is that our Tax department is working on it.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX # XXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law.
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and another 30 days late in XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.