davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc. (GA)

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO XXXX. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in XXXX where the Person is buying from XXXX CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ALLIANCE ONE RECEIVABLES, MANAGEMENT, XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
Consumer complaint received 2016-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX bank sold my accout to midland credit management. I called them to make arrangements to pay, they stated I had to call back in a week.I called again and was told they could not give me any information at that time.They finally called me a week later and when I refused to give out my bank information I was told they would get an attorney.They also wanted to send all correspondence via email, I refused that as well and again I was threatened with them getting an attorney.I never refused to pay.They called me non stop.I then told them I had mailed a validation letter and once again they wanted to send it via email, when I stated I wanted it in writing via regular mail the again threatened to contact attorney in my area.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I tried changing my due date over a week ago ( 7 days roughly ) prior to my due date. I have automatic withdrawal scheduled on my due date. The CSR told me I have to cancel my automatic payment online only and change my due date online only. She did not tell me it had to be at least XXXX business days before the due date. Today, 3 days before the due date, I 'm told by a floor supervisor ( XXXX branch # XXXX ) 3 business days may not even be enough. Sometimes they will still auto withdraw the payment from the account, there is no guarantee it wo n't. Also, they can not manually cancel the transaction, even if they contact their " payment processing '' department they can not do it. I struggle with this considering the size of the organization, that they can not manually put a stop to a transaction when the payment is not even pending. Also, the terms and conditions do not mention that " potentially '' it may or may not hit your account. The terms and conditions are only available via a small link you have to click and read, the web page itself does not present or require you to read them before you accept the automatic withdrawal. You can easily, accidentally skip over the link and continue the setup of your automatic withdrawal payment. Needless to say this entire payment process is unfair and deceptive.
Consumer complaint received 2015-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc. (GA)

I have a payment scheduled for the XXXX of each month with a ACH on file, i called the representative XXXX XXXX yesterday ( XXXX/XXXX/15 ) and asked her why has n't the payment came out of my checking account yet. She states that it may take a few days after the due date to come out, she asked if it does n't come out by Friday XXXX then give us a call back. The representative XXXX XXXX calls me today saying that the payment came back NSF, i asked and asked me if i SPENT THE MONEY. I, then asked her why would i spend the money if i called you yesterday to check on why has n't the money come out of my checking out. i told her she being rude and that i did n't want to speak with her anymore and please put a manager on the phone. XXXX start yelling at me saying that all the managers were " in a meeting '', so i asked her to put another rep on the phone. She stated no i will give the manager a message that you called, i asked her what was her last name and she stated " My name is XXXX with XXXX, i do n't have to give you my last name. I hung up on the rep and called back and spoke with a man ( which he refused to give me his name ) but did provide me with XXXX 's last name ( XXXX ). I explained the situation to him and he transfers me back to XXXX and she tells me that the managers are still " IN A MEETING '', mind you that neither XXXX of them gave me the MINI MIRANDA OR QUALITY ASSURANCE. I spoke with the operation manager XXXX he was very nonchalant about the situation and really did n't care in my opinion. He to did not verify my identity or give me the MINI MIRANDA OR QUALITY ASSURANCE.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I was contacted via phone for a low interest loan that I applied for. I had been applying for several different online loans for bad credit, this company offered a low interest, low payment loan. I contacted them and the demands began. They deposited money into my Chase bank account to bring my credit score up and to verify it was a legitimate account. I bought one gift card, sent the picture to them, and was to get the funding for the loan. This escalated with monies in, monies out, for two days, and finally came to my senses. I had just sent the last monies to them, ( via XXXX ), on XX/XX/2023, and told them I was done. This whole process was beyond weird, even though, it was still not my money. 
I went to Chase, told them the story, and the fraudsters had dumped checks in my account, paid to me, {$170.00} each, grand total {$2000.00} (? ) or so, all the monies tracked. 
I closed the account. Alerted Chase to the fraud, at least, I presumed, that was part of the conversation I was having. 
On XX/XX/2023 my social security payment was due to be electronically deposited to my Chase account. A new Chase account was opened just for this payment, or so I thought. What actually happened, the bank backed out the fraudulent checks, overdrafting my new checking account, and using up all of my social security for the month! 
I have contacted Chase in person, via phone, via their fraud department, via claims department, any department that might help me. Chases response was I was assisting in the fraud. I wasnt assisting when they took the checks out repeatedly for {$170.00}! 
Therefore, my loss. This was all done via EFT. 
If I had been truly thinking, I would have totally closed the Chase account and my Social Security check would still be available, late, but available. 
The customer service at social security even checked to see if they could take back the check and issue me another one. They were a truly bright spot today. 
All I am requesting at this point (, I am going to cease doing business with Chase, of course, ) is my social security payment of {$1700.00}. 
Yes, I am an idiot. And it was too good a deal, and at my age I should know better. 
Any help, suggestions would be greatly appreciated. 
Thank you XXXX XXXX
Consumer complaint received 2016-07-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC (CA)

I contacted Cavalry on XXXX XXXX, 2016 that the debt was resolved with the orginal creditor, XXXX. XXXX also removed the debt off my credit report and send me a letter. I called Cavalry and recorded the conversation with the Supervisor XXXX. Which he started that they will not contact me anymore. But now I get a letter from a lawyer on behalf of Cavalry stating if I request verification a copy of a judgement will be sent.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Improper Account Reporting by Bridgecrest Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper reporting of an account by Bridgecrest on my credit report. I seek your assistance in resolving this matter in accordance with applicable U.S. laws and regulations. The timeline of events and actions taken by XXXX XXXX on my behalf are as follows : XXXX. XX/XX/XXXX I first discovered the inaccurate account reported by Bridgecrest on my credit report and immediately contacted XXXX XXXX for assistance. 

XXXX. XX/XX/XXXX XXXX XXXX sent multiple letters to Bridgecrest, requesting documentation to validate the ownership of the account and provide a detailed breakdown of the outstanding amount. 

XXXX. XX/XX/XXXX Following the lack of response from Bridgecrest, XXXX XXXX escalated the issue by contacting their customer support team and engaging in numerous discussions to seek clarification and resolution. Despite these efforts, Bridgecrest has failed to provide the necessary documentation to validate the legitimacy of the debt and confirm my ownership of the account. 

This improper reporting has caused significant distress and financial harm, impacting my credit score and financial opportunities. I believe that Bridgecrest 's actions violate the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, Bridgecrest has failed to provide accurate and verifiable information, as required by law, leading to erroneous reporting on my credit profile. I respectfully request the following actions from the Consumer Financial Protection Bureau : 1. Conduct a thorough investigation into the improper reporting by Bridgecrest. 
XXXX. Enforce compliance with FCRA regulations and other applicable laws to ensure accurate and fair reporting of consumer information. 
XXXX. Facilitate the removal of the inaccurate account from my credit report. 
XXXX. Impose appropriate penalties or corrective measures on Bridgecrest for non-compliance with consumer protection laws. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your dedication to protecting consumer rights. Sincerely, [ Your Name ]
Consumer complaint received 2019-02-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MN)

I need to file a dispute on Experian Credit reporting agencies this is My 3rd and Final written Request to Experian Before taking Legal action on this Company. I have asked them for Physical Proof of disputed items on my credit report but they fail to respond to my Request! This is a clear Violation of the FCRA. They keep saying that they have CERTIFIED verified these accounts with the creditors But they are not sending me any of the information that I have asked them to send me such as the ( ORIGINAL CREDIT APPLICATION WITH MY SIGNATURE ATTACHED TO THAT APPLICATION ( FCRA 609 609 ( a ) ( 1 ) ( a ) I WOULD THINK THE CREDITORS WOULD HAVE THIS INFO TO GIVE TO EXPERIAN IF THEY CLAIM THAT THEY HAVE CERTIFIED THE ACCOUNTS IN THEIR INVESTIGATION THIS IS THE INFORMATION I NEED DURING THIS DISPUTE PROCESS FROM EXPERIAN! THEN I GET ANOTHER LETTER FROM EXPERIAN SAYING THAT THEY WILL NOT DISPUTE THE ACCOUNS ANYMORE UNLESS I HAVE SUPPORTING DOCUMENETS WHICH CONFUSING ME AND THIS IS WHY IM ASKING EXPERIAN FOR THE SIGN CONTRACT! BUT SEEMS TO ME AS EXPERIAN IS NOT DISPUTING THESE ACCOUNT THAT I HAVE ASKED THEM TO WITH THE CONFUSING RUN AROUND THAT THEY ARE GIVING I NEED THE CREDIT APPLICATION WITH MY SIGNTURE ATTACHED TO PROVE THAT THESE ACCOUNTS HAVE BEEN VERIFIED AND DISPUTED ACCORDINGLY. THIS WILL BE MY FINAL TIME ASKING FOR THE ORIGINAL SIGNED CREDIT APPLICATION BEFORE TAKING LEGAL ACTION I HAVE ALREADY FILE SUIT IN COURT ON EQUIFAX AND I WILL NOT HESITATE TO FILE LAWSUIT ON YOUR COMPANY THIS IS NOT A THREAT ITS THE TRUTH I HAVE ASKED YOU TOO ME TIMES FOR THE INFORMATION LISTED ABOVED BUT YOU WILL NOT REPOND OR DELETE THE INFO THAT I HAVE ASKED for WHICH IS A VIOLATIONS OF THE FCRA. 
Experian I do have supporting documents for the disputed accounts see attached File this is my final and very last time asking for this information or you will see me in court and I will sue you for {$1000.00} per each disputed accounts and credit inquires if you do not send me the sign documents with in the Next 30 days or have these unverified accounts deleted!
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc. (FL)

I rented a condo from a rental management company, XXXX XXXX XXXX XXXX. After moving out when the lease ended I noticed they placed a large debt on my credit for {$5700.00}. I have no idea why or what it 's for. I 've emailed the rental management company ( XXXX XXXX, the owner ) twice and both times she responded it was an error, that it would be corrected. I 've disputed several times to credit report agency with not results. I do not owe this and the management company never answers my calls or requests. The owners of the unit ( investors ) XXXX XXXX XXXX will not respond either. I will say this, while I lived in that condo their accounting was terrible. They 'd place late notices on my door when the rent was already paid. I 'd call and it would take days for them to get back to me and verify they located the rent I 'd sent. Now this. This is not my debt. I have a copy of the rental lease, the correspondence between myself and XXXX XXXX, the rental agent that managed the property and the collection notice.
Consumer complaint received 2021-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have been writing the credit bureaus since XXXX trying to get account i have no relations with deleted from my credit, file, XXXX XXXX. i have written XXXX directly asking them to verify, i have written transunion, the only thing written back to me is that it has been verified, which is not the same as VALIDATED. I have tried calling transunion, but talking to someone who actually speaks XXXX, laughable.and that is a joke, they talk to me like i'm a criminal, im just trying to get one negative file removed from my report. Big giant corporations treat real life humans, like were the bad guys, I di n't believe it would be this difficult, but now almost a year later, i still have a negative in my transunion file. can anyone please help me
Consumer complaint received 2020-05-27
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. (NJ)

There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! These inaccurate reportings are hindering me being a mother and providing housing.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (AL)

I started college with financial aid. I was offered a direct loan by the registrars office with XXXX foundation. I got bought out thru Navient. My credit report has me owing over {$29000.00}. I went to school for 1 semester. I received like {$11000.00}. My credit report has each time my loans were switched and/or bought out from another company added to my credit report. I thought it would switch from one to another. This has not happened. I do not know how much the loans were sold for but it 's like they double or even triple. I actually withdrawn in 2016 from the XXXX and I tried to attend again ; I was told I owed the school {$700.00} to {$900.00} because of some strange reason. I took care of my mother for 4 years until she passed away on XX/XX/2016. Now I planned on attending college again but it seems as if will be purchasing a house for my college degree.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Continental Finance Company, LLC (FL)

Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (MN)

I thought I was applying for a balanced transfer but instead it was a cash advanced. In addition they never calculate or show during the process a fee for a transfer ( actual cash advanced ) the amount for the transfer ( cash advanced ) until after the transfer ( actual cash advanced ) It says transfer everywhere, they talk of balance transfer, no mention anywhere Cash Advanced, I was told 3 days later at the bank office it was not a Balanced Transfer but Cash Advanced. different fees, different monthly payments every month. How deceptive. I was told by someone in the Corporate office I could get it changed once I paid it off. Give me a lie then I have to pay for that. Why are they allowed to run a XXXX XXXX like that? 
Solution : They should be made to place cash advanced description on there website in big bold print, capital letters. There is a reason its not there. How sad to deceive people in such way, why are they allowed to even have a banking business.
Consumer complaint received 2021-10-03
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: Experian Information Solutions Inc. (CA)

Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (NY)

My Loan with this company was fully paid off several months ago ( XXXX XXXX ), I have since been requesting proof of this I called several times, they would put me on hold for an extended time, transfer me from department to department with no help, and finally some one would promise to provide the information, but to date nil. I just reached out to them today XXXX/XXXX/XXXX, spoke to four persons ( names ) and when I indicated that i 'm recording the call, I was abruptly disconnected from the last person. I have been patient, but this practice is unacceptable, I needed this information for my other loan that 's not with Selene Finance, and for clearance for work. They are messing with people lives and do n't care. I also need help in acquiring the proof of payment. It is my legal right that I have access to the information and this is a violation of same, I would seek legal advise but that is an expense I can not afford at this moment.