davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IN)

On or about XX/XX/2021 Experian was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Experian is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Experian sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXXXXXX XXXX XXXX XXXX XXXX verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXXXXXX XXXX XXXX XXXX also demands XXXX XXXX XXXX XXXX XXXX to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXXXXXX XXXX XXXX XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX XXXX XXXXXXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXXXXXX XXXX is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. Experian provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA XXXX ( a ) ( XXXX ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA XXXX ( a ) ( XXXX ) ( B ), XXXXXXXX XXXX XXXX XXXX XXXX is required to forward all of the relevant information XXXX XXXX XXXX XXXX this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information Experian used for their investigation, as required by FCRA XXXX ( a ) ( XXXX ). 

Please reply within 15 days or delete the items, as originally requested.
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

I have never done business with or signed any contracts with SCA Collections Inc. and  they are attempting to defraud me of money via the United States Postal Service. 

On XX/XX/2020 I sent a letter via certified mail with return receipt requesting that this company validate the debt they claim I owe. 

The letter was received and signed for on XX/XX/2020. 

The collection was then removed and illegally placed back on my credit files on XX/XX/2020.
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by XXXX I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS
Consumer complaint received 2016-06-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Broward Adjustment Services (FL)

About a year ago, in XX/XX/XXXX I had to go to XXXX hospital for XXXX, that day I made many XXXX and they asked me would I enter for more XXXX, I had health insurance with XXXX XXXX XXXX XXXX FL, but there was test insurance does not pay and for that reason the Hospital sent me to collection, affecting me the credit
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

The amounts were over {$500.00}. They were charges overdrafts numerous of times which resulted in my account being closed due to the discrepancies. I had direct deposit which I had to move due to them depleting my accounts.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On or around XX/XX/XXXX I discovered multiple inaccuracies on my credit report, including but not limited to, two capital one credit cards, with charge-off balances of {$510.00} and {$300.00}. On or around XX/XX/XXXX, i sent correspondence to Capital one in an attempt to dispute the fraudulent accounts and all charges associated therein. Capital one failed to respond. In XX/XX/XXXX I filed an Identity Theft Report with the FTC and sent a copy of same along with correspondence to each credit bureau identifying all fraudulent accounts and further requesting that all unauthorized charges be blocked from my credit report pursuant to FCR.605 ( B ). On XX/XX/XXXX I advised that I did not open or authorize this account, and I requested that it be closed immediately. I requested that the company send me written confirmation that I am not responsible for charges on this account, and to take appropriate steps to remove information about this account from my credit files. Because the information the company reported is the result of identity theft, and inaccurate, I requested that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). To date, the company continues to report two fraudulent capital one credit card accounts which continue to negatively effect my credit. Capital one has not and can not provide any credible evidence to establish that the credit card accounts were opened by me and I continue to maintain that I did not authorize the accounts and/or receive any benefits as a result therefrom.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (NY)

XXXX University located at XXXX, NY. 

Sallie Mae Private loan, unfortunately I can not afford the monthly payment for the private loans because I am still in the process of making direct payments for my XXXX semester that will begin at the end of XXXX No sallie mae representative willing to process In-School Deferment.
Consumer complaint received 2016-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (IL)

My son has a new cell phone. Okay, it is not that new. We bought it for him a year ago, when he was XXXX and biking to school on his own. Recently Receivables Performance Management has been repeatedly calling his phone. They want to collect a debt from someone else. I called them back this evening and I had a very disappointing experience. I told them they were trying to collect a debt from the wrong person and the person they were calling was a minor. They told me it would take 40 hours to remove his number from their call list. I said they were violating the law calling a minor and they should be able to comply in less than forty hours. They could not do more. I asked to speak to someone who could assist me, and the person who answered said he just transferred calls and he could not help me and the four people there were all busy. 

I then asked if they were registered as a debt collector in XXXX, and the phone rep was unable to answer the question. 

About a year ago, someone was calling my son 's phone to collect a debt and I explained to them that this was the wrong number and the person they were calling was a minor. They stopped calling. I am afraid this is just a resold debt and this will not come to an end. 

I also think that they should send my son a written appology for repeatedly calling his phone during school hours.
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I contacted Navinet to gain advisement for the repayment options of the current standing of my loan. I have made my payments faithfully since the original date of XXXX XXXX. Please note my intention is only to resolve my debts. 

My last payment of XXXX was made on XXXX XXXX XXXX. Shortly before that payment was automatically withdrawn I was contacted stating that my loan amount would be increased to 2 % which is beyond what I can afford at this time. 

I was told it was the only option I had and therefore no payment has been set up for XX/XX/XXXX or XXXX XXXX. 

During my call to try to resolve this matter, a supervisior proceed to question " what am I doing to change my situation '' asking have I considered getting another job or a Roommate which left me feeling very challenged as a responsible individual only wishing to gain a resolution to my dilemma. I currently work for the XXXX XXXX XXXX as a XXXX beyond my contracted hours daily at a minimum of 10 hours per day to receive overtime to make a living and to satisfy my living expenses. One would presume that years of service would entitle them to financial increase year to year, however in my case that has not happened yet. I felt that the supervisors questions were very inappropriate given the information I had just given him regarding my current situation. 

Ultimately was simply reaching out to gain some support to address this matter. I asvised them I am able to continue on the 1 % repayment program totaling into {$210.00} per month, however to no avail.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: LTD Financial Services, L.P. (VA)

Good morning-My husband, XXXX XXXX XXXX, passed on XX/XX/XXXX. I was trying to get all the creditors he had cards with in his name notified. I contacted XXXX, and I assume they thought the card was originally issued to him. However, he was only an authorized user. XXXX recognized the program and reinstated my card, # XXXX. For some reason, this collection company, LTD Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX, has contacted me XXXX claiming that I owe {$330.00}. I pay my XXXX credit card 's entire balance each month. My balance is XXXX as of XX/XX/XXXX. 
I work for the XXXX and can not afford to have collections on my credit report. I have contacted XXXX, the company, and now your office to stop these erroneous charges.
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Original creditor AT T XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX FCU Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXA Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (IN)

Regional XXXX is violating bankruptcy law by reporting a debt on our credit files that was included in bankruptcy and continue to report monthly as delinquent debt. This illegal reporting has caused us harm and we will sue for violation of Bankruptcy and FCRA laws. This is a joint loan- XXXX and XXXX XXXX XXXX attachments included to prove. Filed complaint on the 1st and creditor sent back without researching and just said no account. As you can see we had an account, it is continuing to be reported. I will sue for {$10000.00} in damages.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IA)

I sent a certified letter to Resurgent Capital Services L.P., LVNV Funding, LLC and XXXX XXXX, XXXX on XX/XX/2019 asking for specific validation regarding an alleged debt. ( Letter enclosed ) On or about XX/XX/2019 I received a generic account summary report. ( Letter enclosed ) Prior to XX/XX/2019, I did not receive a dunning letter. I was also not given notice before/after of negative information being reported to all 3 credit bureaus.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XX/XX/XXXX, I was going to file a chapter XXXX Bankruptcy. On XX/XX/XXXX I realized a chapter XXXX BK was not good for me. On XX/XX/XXXX I notify Bank of America i would not be filing BK and ask did they have a hardship program? they said yes, but i had to work with their debit management company. The XXXX XXXX XXXX BOA referred me to was unable to assist me, because all my other creditor had already put my account in a hardship program with set monthly payments. The accounts was closed and no interest are being charge for the next 60 months. On XX/XX/XXXX, I called BOA again, stayed on the phone for approximately XXXX hours with collection requesting for a hardship program again. I provided all my financial assessment, to be inform i did not qualify/approved for the hardship program. On XX/XX/XXXX and XXXX, XXXX, I called BOA again requesting a settlement for the XXXX account ; i was informed no settlement offers on the accounts at this time. I would need to call back on XXXX and XX/XX/XXXX ; once the cycle closes for the accounts. Again the BOA did the financial assessment, stated i did not qualify/approved for the hardship program. At this time, the account has not been paid in 4 months, late fees ( {$38.00} ) are accruing and the interest rate have increased to the maximum amount. On XX/XX/XXXX, I paid one of the accounts off, because they refuse to do a settlement with me, but continue to charge the late fee and high interest rate on the BOA rewards card. I called back to bank and informed them I had reduced my debit by paying off a call loan and the BOA account, do i qualify for an Hardship program now? I was advised i do not, because the package can only be submitted once a month. I was not informed of that. I'm filing this compliant against BOA, because it appears BOA would rather have the balance increase with late fees and interest before they will help or charge the account off and submit to collection company. I communicate with BOA monthly to get some help. I have received not assistance from them at all. In XX/XX/XXXX the balance was approximately {$6000.00} and now the account is {$6600.00}. What BOA keep offering to me, to then not approve is an payment of {$130.00} a month, with an interest rate of 4 % ; still would charge {$38.00} late fee until the late payments are pain in full. At this time the total minimum payment due os {$1000.00}. I will never get ahead in paying this bill. in my opinion the credit practices are not to help the customer but to help the bank make additional money off the client who is having a financial hardship. I lost an income in XXXX, I have taken a loan out of my XXXX  and have done a hardship XXXX loan to maintain my debit, to be here now asking for help. Please contact me if you have any question please contact me
Consumer complaint received 2017-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Attached please find Wells Fargo 's mortgage interest statement for 2016, With different account number XXXX, this is a complete different number. Because, the account number I had for the past eight years was XXXX. 

Does this paid interest is from XXXX to XXXX 2016? Since, in XXXX Wells Fargo sold/transfer my loan to XXXX, and I made the last XXXX of 2016, payments to XXXX. 

Why does in Real Estate Taxes their stamen show {$0.00}. They collected tax escrows, also from XXXX to XXXX? Who is paying my property taxes? 

Why they charged deferred interest, I though, I have a fix interest rate?
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened an XXXX XXXX XXXX account through XXXX XXXX in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, XXXX puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, XXXX does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by XXXX. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as XXXX failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department . XXXX XXXX XXXX issues your account and responds to all credit related inquiries. This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team I appreciate your help, Sincerely XXXX XXXX XXXX
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received from my employer a Judgement/wage garnishment from Midland funding. I contacted Mindalnd Funding immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to Midland Funding that the credit card owed was a legal responsibility of my exhusband, but Midland funding only gave me the option of paying the amount in full ( along with legal fees and interest rate ), or Midland would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork ( legal document ).
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (GA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX