davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Debt was paid in the fall of 2018, in store, in XXXX Ohio. Midland bought out the misstatements debt, and has put it as an account in collections despite the debt being paid. 
I called out to Midland to discuss the debt, and they refused to accept the fact that this debt was paid prior to their buying of the debt. To get this misstatements debt handled, and the company refused to remove the debt. Additionally no validation of debt was received, despite my asking for validation. I even attempted to settle the debt to remove it and the company refused. 
The fact they they have not sent any validation of debt, and have refused to remove this item from my credit report is a direct violation of the fair debt collections act.
Consumer complaint received 2015-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (GA)

Dual Tracking and Foreclosure violation by Caliber Homes Loan. We applied for loan modification due to unemployment and underemployment before XXXX XX/XX/XXXX and more than 37 days from the XXXX XXXXXX/XX/XXXX foreclosure, sale date on my home. However, although, our modification process is still currently going on, Caliber Home Loans, has simultaneously, scheduled a foreclosure date for XXXX XXXX, XX/XX/XXXX ( now, roughly, 2 wks from today ). 
Please, Help Now.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MN)

the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

I ordered new phones from XXXX through their upgrade service from my USAA Credit Card XXXX The phones never arrived and I was still charged for the merchandise. When calling T-Mobile they hung up on me twice and finally told me it wasn't their problem it was XXXX 's because they had been given a delivery receipt. I never received a package with the new phones. I disputed the charges from XXXX on my USAA Credit Card account XXXX XX/XX/2021 ) and reported the card Lost/Stolen to prevent additional charges. USAA then closed out the dispute saying the company had provided them with a delivery receipt and that it was enough to close the dispute and reverse credit for the amount. I have been fighting with them since XXXX last year to get it sorted out because I will not pay for merchandise I did not receive. I provided the same delivery receipt and confirmation of purchase, etc. but was told that isn't enough to confirm my dispute. XXXX, XXXX and XXXX all have given me the same " the original creditor has verified the information '' line and continued to report more false information on my credit reports. The account has been closed since XXXX yet they all report it as open... This is the last straw.
Consumer complaint received 2015-12-04
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Cascade Collections, Inc. (UT)

I am currently going through an appeal. In the midst of my case, I feel my privacy rights are being violated. The lawyer XXXX XXXX XXXX, that is representing the Plaintiff ( Cascade Collections ) in this case. ( Case # XXXX ), has not only mailed but faxed paperwork regarding my case to my place of employment. The Federal Debt Collections Practices Act was created to protect us as the consumer, so that we may be able to work with out feeling harassed or feeling anguish in our place of employment. He has had phone conversations with my boss, who should n't have even known about my case situation other than just the garnishment and to solely garnish my wages as requested until the appeal case is resolved. Nothing more. 
The fax machine that the attorney XXXX. XXXX XXXX faxed information to, regarding myself. Is a fax machine that everyone uses at the office for medical reasons. Not for personal cases regarding employees. He did n't have permission by myself or my employer that he could do so. He also mailed a copy of my case to my place of employment. Now everyone in my clinic knows that I have a collections debt in court and that I am being garnished unfairly. 
I am in jeopardy of losing my job and now have no money to even pay for the debt he is coming for. Because this has caused me such anguish and embarrassment. The attorney has abused his power and I have proof that Cascade Collections knowingly produced a false collection letter that was never sent to my home. 
I am in such a hard place, in the fact that I am just an average person earning just enough to pay my student loans and other regular bills deemed necessary.
Consumer complaint received 2016-01-13
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo home mortgage has contacted me two times looking for another person. I informed them on XXXX/XXXX/2016 that I am not that person and to remove my number from their contact list. They asked me to give a message to that person which is a violation of the FDCPA. I was contacted again on XXXX/XXXX/2016 by Wells Fargo home mortgage looking for the same person. I again informed them that I am not that person and to remove my number from their contact information and to not call. The 2nd call is a violation of the FDCPA.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

opened a XXXX credit acct. through/with XXXX XXXX. XXXX credit limit. a series of fraudulent charges were made on the card. tried to reconcile with bank many times over the course of months ... asked them repeatedly to freeze the acct., with no result. finally shredded the card ... four months later i was still getting bills with new charges on the acct. any attempt to deal with them via phone was almost impossible as most of the time i got someone who didn't speak english, or was incredibly rude calling me a deadbeat! i was always polite with them, simply asked for a full accounting of all charges made on the account from day one before i would pay in full yet another time. ( i had done so twice previously ) never received anything except nasty letters or bills. i have a file approx. 2 inches thick letters and bills from them, called dozens of times. not honorable people. i pay my bills.
Consumer complaint received 2016-10-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (NY)

I am extremely and severely being harassed by this bank. I had my car towed away 3 times. I feel this is racism. Today XX/XX/2016 my car was towed and I was in shock. I ca n't believe it .Me and my kids are in shock. I looked maybe I 'm made a mistake. I checked my bank account XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX,XX/XX/2016 XXXX paid. The bank is being paid. The first time my account had a fraud company deducting money out of my account, my checking account took too long to refund my money. They towed my car in 1 day to New Jersey I had to hire an international car service to get my car back. that was when I received my independent foreclosure for {$6000.00}. Anothrer time they took my car in 1 day to 2 hour drive upstate. Every time they tow my car it is 2 or 3 three days from my payday. I get paid {$55000.00} to {$60000.00} a year.I get a raise every year. And every year I can take a pension loan for $ XXXX.There is some extreme jelousy going on. my statement on line has {$2300.00} in tow and repossession fees and it says Recent payment XXXX 0n XX/XX/2016 and payment due XX/XX/2016 XXXX It stays on my credit report. my loan is reducing now down to {$12000.00}. I 'm trying to retire in 2 years and buy a home not be harassed and have my credit ruined by this bank. 2 years ago a female texted me I complained and my car got towed away. it seemed like I 'm begging for my car.I 'm in fear I keep their checks being paid out of my account because the pull 2 times 4 days and 8 days. they are always paid and i 'm charged {$30.00} fees. I fell on XX/XX/2016 I have a few XXXX. My XXXX is on it 's way.i just made payments.My kids and grandkid ca n't get to work or school.I still ca n't believe my car is gone.
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Describe what happened so we can understand the issue ... 
For the last couple of years I have worked diligently to repair my credit. I have had many challenges to say the least. I have paid off more accounts than negative credit. Accounts I have disputed have been removed from my account. I am employed and have been for 20 years at the same employer and have worked a XXXX job for more than 6 months changing my debt to income ratio. In this time my credit score has remained extremely poor. Based on the below chart my score should have changed for the positive long ago thus increasing my score. There are also several questionable inquiries on my credit report which concern me. 
Payment history ( 35 % ) The first thing any lender wants to know is whether you 've paid past credit accounts on time. ... 
Amounts owed ( 30 % ) Having credit accounts and owing money on them does not necessarily mean you are a high-risk borrower with a low FICO ( R ) Score. ... 
Length of credit history ( 15 % ) ... 
Credit mix in use ( 10 % ) My attempted in verifying my score with each bureau via phone went nowhere. They will not answer questions about your score and direct consumers to go on line and pay to view the score. Even after I stated I wanted a copy of my report because I was turned down for credit and I was still directed to go on line. I was told by customer service that I could not dispute my score. Where is the customer service? There are times it is not convenient to go on line especially when a consumer has questions. 
Consent to publish the description of what happened? Consent provided
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-08-15
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. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

This issue I'm facing with Capital One travel that booked with them using Capital One Venture-X credit card ending in XXXX. 

I had booked international ticket for multi-city with confirmation code- : XXXX XXXX, US to XXXX XXXX, XXXX on XX/XX/2024, XXXX XXXX, XXXX to XXXX, XXXX on XX/XX/2024 XXXX and XXXX, XXXX to XXXX XXXX US on XX/XX/2024 XXXX 

I faced the following issue - 1 ) I couldn't reschedule a flight online so I called customer care to find out the rescheduling charges. Charges were high so I did not reschedule it. This happened 1-2 weeks before my travel started on XXXX XXXX. 
2 ) Before my travel started on the XXXX of XXXX, I found out that the previous agent had by mistake cancelled that ticket. So, after so many follow up and spending hours on the call, Capital one offered me the same ticket and they bore the extra charges. But they did mistake again to book incorrectly book my departure from XXXX on XXXX instead of XXXX XXXX. 

3 ) On XXXX XXXX, I asked to reschedule my return ticket keeping the layover time the same of 3 days but the agent booked it on XXXX XXXX with no 3 days layover and told me that the previous agent also made a mistake and had booked both the tickets of XXXX to XXXX and XXXX to XXXX on XXXX only. Agent cut the call without providing the resolution. 

4 ) I called again to Capital one travel to fix the error but they are not agreeing and putting blame on me. While I repeatedly told the agent to book flight with 3 days layover and return from XXXX on XXXX XXXX. 
I have also requested them to share transcript of the call but they said they can't.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

disputed to Trans union on XXXX/XXXX/XXXX XXXX account remaining on report as open. Account was paid XXXX/XXXX/XXXX. Trans union replied XXXX/XXXX/XXXX in one section on XXXX dispute page marked closed however were it was prior on credit report after the dispute marked paid XXXX balance now the credit report is marked it open and the balance that was due on XXXX/XXXX/XXXX. I called trans union today they claim no prior dispute. I asked if there is no prior dispute how would I have a File # for a prior dispute. As you can see they are sloppy at best. Now my report is a mess and they seem unable to figure out what they are doing.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ID Analytics, Inc. (FL)

i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. 
I would like this company to respond to my inquiry.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-07-27
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NE)

My money transfer was put on hold, due to a " need '' for additional information. Tried to call them was put on hold for almost XXXX hours, so I disconnected the call and redialed their number. Then after refusing to let them transfer me again, I told the lady whom I was speaking to that she needed to help me out, and that even though it was unfair of me to wait, I told her that she could put me back on hold, instead she disconnected the call on me. So at XXXX I decided to call them back. I got through to someone almost immediately, only to be place back on hold and that was XXXX minutes ago. Money gram is refusing to let me cancel the money order also, placing it on " A hold ''. I feel like this is against my rights because they had no problem taking my money but now I ca n't seem to get it back. I do personally know the receiver of the money, so I have no worries about it being a scam. I am still on hold after XXXX minutes on this phone call. The representatives on the phone were also very hard to understand as they did not speak clearly and understandable. They were also asking very personal questions, I understand they are just trying to make sure nobody is getting scammed, but after I have personally confirmed that I knew the receiver and there was no way at all it was a scam, they should have had no problem sending the money through. I am very displeased with this company and will no longer be dealing with them, and the same goes for the receiver of the money.
Consumer complaint received 2024-02-21
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. (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. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2016-12-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Asset Recovery Solutions, LLC (IL)

I am getting at least two calls per week for the last month at my place of employment from a company in the XXXX area. Their direct office phone is XXXX but also have a toll-free number at XXXX. They are not trying to reach me on my cell, simply, calling at my work and it 's embarrassing if it is for real. They will not say what they are calling for or who they are but they keep calling. I have to take several calls per day across the country and this is tying up my line and negatively affecting my workflow.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2016-10-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Iopened a new bank account at Wells Fargo after an unsatisfactory account at at a local credit union, and they said nothing on opening the new account about me having an alleged overdraft on the closure of my old account, since both transactions were done in person. They then started withdrawing money from a savings account that they insisted I open to go along with my checking account to get no service charge with 10 withdrawals in the cycle. Which there always i, and I know of another person that is going trough the same situation with them. What is this collection by surprise or is it out-right fraud? My bank account were supposed to be available on line for 7 years since that is how i got my statement. And they have disappeared. itold them to close my savings account after I made a deposit and they took it.