davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management is inaccurately reporting this COLLECTION XXXX XXXX XXXX as well as this COLLECTION account XXXX XXXXXXXX on my credit report as an OPEN ACCOUNT and also reporting PAST DUE BALANCES. Midland Credit Management is reporting falsely and inaccurately. this is a clear FTC Violation and must be DELETED immediately. As well as in violation of 15 U.S.C CODE 1681S-2! Also a clear violation of 5 U.S.C 552 a ( i ) ( 3 ) and The Fair Debt Collection Practices Act As Well As 15 U.S.C 1692d. Not only are they reporting with an account status of OPEN but they are also reporting this ACCOUNT XXXX XXXX XXXX XXXX  ) as well as this ACCOUNT XXXX XXXX ( {$500.00} ) with an inaccurate past due balance and putting derogatory marks on my credit as LATE PAYMENTS. Which is also a violation of the FCRA which states that I have the right to an accurate and fair credit report. This also violates XXXX XXXX XXXX XXXX XXXX Standards! Delete both of these accounts immediately from all 3 credit bureaus that are reporting this false, inaccurate, and incomplete information on my credit report. I, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I Request that you provide to me verification of this debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed pursuant to the fair debt collection practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report XXXX, XXXX, And XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. FURTHERMORE I did not consent to you having my personal or private Information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Please delete all accounts!
Consumer complaint received 2022-02-15
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. (TX)

Hello, my name is XXXX XXXX and this is my second attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. 

I look forward to your prompt attention.
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

6 months ago I discovered that I was a victim of identity theft and therefore I disputed XXXX accounts with the XXXX major credit agencies. XXXX and XXXX did comply with my investigation however, experian has not. I am requesting that they comply with my demand under the fair credit reporting act. I have submitted a notarized affidavit, police report and my request to move these accounts.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (GA)

I 've received XXXX calls from West Asset Management since XXXX XXXX about a debt owed by XXXX XXXX. I 've told them XXXX times that my XXXX XXXX is my child and they must have the wrong number. They confirm by asking " XXXX XXXX. XXXX? ". I tell them the middle initial is also wrong. I 'm then told that my number will be removed from their records, only to be called again the next day. 
I asked if they just go through a phone book and pick a name that 's the same and he actually replied " pretty much ''.
Consumer complaint received 2016-10-25
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Cottonwood Financial Ltd. (TX)

I submit a stop payment request on this payday loan from my bank, XXXX. I paid the fee of {$30.00} but Cash Store was still able to withdraw my account putting it in negative. I tried to have them to stop payment via a phone conversation which they refused. My bank also will not stop payment because they have no control over automatic checks.
Consumer complaint received 2017-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (GA)

A certified letter was sent and received by the company on  XXXX   XXXX . The letter was disputed information on my accounts listed on my reports. The company failed to respond and mark the accounts as disputed within the 30 day period. This violates both the FDCPA and FCRA.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (FL)

After a " system update '' with Rush Card serviceI have been unable to access my funds in XXXX days now. My account balance has been XXXX out and I have money that should be available to me. I have called customer service for this company at least XXXX dozen times and I get no human response, I get hung up on every time. I am unable to access my money and I am getting no response from the company after trying many times to make contact via telephone and email.
Consumer complaint received 2015-10-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc. (PR)

Nationwide Recovery systems reported to my XXXX Report a debt for which I never received a statement or collection letter. I Paid my bill today XXXX. XXXX agreed that it should have never be sent to collections because Nationwide reported all mail returned. I paid and XXXX told me that Nationwide should take that collection out of XXXX and/or any other Credit reporting company within the next 48 hours.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have no idea what is happening to my student loans from XX/XX/2009. I originally had 2 loans when graduating totaling roughly 17k. Ive sent money sparingly over the years, have bad wage garnishments, and now these 2 companies Navient & XXXX own the debt. I am outraged, last month I got a letter saying one of the loans principal was at XXXX and a month later they tacked on a XXXX fee! This was from XXXX. So now Im at roughly 45-50k off of XXXX. This Navient company only ever sends me these forbearance texts and emails where a simple yes puts Them into forbearance. I need help. I have no idea what to do about my loans. Its emotionally and financially devestating knowing what This has become. Im wondering what type of options I have. Im currently unemployed and am willing to find a public service job if it means I can get some of this crippling debt erased. I have countless letters and documents from these people.
Consumer complaint received 2016-01-15
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (PA)

I did not want this card. I tried to cancel/close it and cant get a hold of anyone at customer service. I have been on the phone several times for over 30 minutes each time and NO one answers the phone. as of this date I still have not reach anyone and will be sending a letter and HOPE that someone contacts me before any fees are accessed.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

Barclays Bank on the XXXX XXXX Credit Card offered XXXX bonus points if I spend {$500.00} in EACH MONTH. XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. 
However they claim I did not meet the qualifications because I did not spend enough money until my statement was closed ( XX/XX/XXXX ). 
The bank would have given me the points if I had spent at least {$500.00} in EACH STATEMENT however that 's not what they have advertised. 
They have advertised EACH MONTH. 

EACH MONTH is not equal EACH STATEMENT.
Consumer complaint received 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XX/XX/2019 called Bank of America the automated system to make a payment, I have XXXX and sometimes its the easiest way for me. I spoke that I wanted to pay XXXX which is more than required. It asked if I wanted to pay XXXX, I said yes and it thanked me for paying XXXX. I called back immediately and was told that they could not stop the payment and to call back the next day and they would refund me, and they had some problems with their system. I called and was told to call back Monday, I explained I had XXXX  and had bills to pay and that I needed it pit back. They said they were sorry and to call back I called back Monday and was told the same thing. As of today I have been charged XXXX from my bank for a bill not covered. I am not able to pay my Insurance as I need the money they took. I have been a good customer for years, yet they charge me a yearly fee and a high interest rate so I am never able to finish paying. I have XXXX boys, one in college and my husband has been out of work she we may end up losing everything.
Consumer complaint received 2016-12-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I XXXX XXXX file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called XXXX XXXX XXXX has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to collect a debt by legal statute. The legal timeline if one was ever necessary has passed by this time. What Fair Collections and Outsourcing is doing is holding my credit report hostage, even though they have no right to attempt to collect on this credit item in the first place. I believe that this collection agency should be sanctioned for this illegal activity. Accordingly, I demand this extended collection be deleted immediately and permanently from all pertinent credit reporting agencies. This agency was required to show proof from the initial procurement of the collection. That right was never protected on my behalf. The maintaining of this collection on my credit bureau seriously violates the Fair Credit Reporting Act. I demand its deletion immediately!!!
Consumer complaint received 2017-05-28
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: EQUIFAX, INC. (PA)

Complaint number  XXXX  is not resolved. Although  XXXX  does not appear on my Equifax report ...  XXXX  representing  XXXX  still appears.   XXXX   and   XXXX   have removed both  XXXX  and  XXXX .     Attachment s : # 1 and # 2 : Emai ls from  XXXX  that their error is completed.    # 3 : C urrent report from Equifax showing the unauthorized inquiry of  XXXX  is still on my credit-report.
Consumer complaint received 2022-09-06
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. (NH)

In accordance with the Fair Credit Reporting act 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 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

Today I received a letter from resurgent capital services claiming they I wrongfully owed {$910.00} claiming to belong to XXXX XXXXXXXX XXXX and that XXXX XXXXXXXX XXXX XXXXs a scam and somehow they tried to route Resurgent capital services to pay the wrongful debt
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a   modification based on his  XXXX . He went through marital issues and a divorce in  XXXX  and  XXXX  causing him to struggle with excessive expenses, he struggled from  XXXX  and was hospitalized multiple times. He Is a  XXXX  patient and has to be   XXXX    XXXX  times a week. He was admitted into the hospital on  XXXX  and  XXXX , currently in hospital.   He has been hospitalized multiple times due to  XXXX   XXXX  and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only  XXXX  yrs of age and struggles like an elderly individual.
Consumer complaint received 2015-05-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (NH)

XXXX/XXXX/XXXX received debt collection notice from Dynamic Recovery Solutions. I responded on XXXX/XXXX/XXXX asking them to validate the debt because I have never had a creditor by the name they indicate and I have never owed a debt in the amount indicated by Dynamic. I never received any response. Then on XXXX/XXXX/XXXX they sent another collection letter. I still have not been provided the information I requested and I have advised that this is not my debt.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have set email notification for low balance. Bank did not send me email notification for low balance. Their system shows email notification could not deliver even though no issue with my email account. 
Next day I received email about overdraft fee charged. That email reception clearly shows no issue. 
This happen multiple times. Mostly on Friday email notification does not work and next day I get email notification about overdraft fee charges. I talked with Customer care and they tried to revert those charges their system shows its valid charges and they are unable to do it. 
Just to provide, no issues with email id, I have attached email received screenshot for 3 days. 

Please help.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting I had a XXXX card. Please have them verify this information with a XXXX card. I have never had a XXXX  card in my name. The account is showing up only on my Transunion credit report only. The amount shown is XXXX account XXXX. I have never had an account in my name with a XXXX card. Please have Transunion personally verify my information showing the I had and I am responsible for the debt of the credit card.
Consumer complaint received 2017-03-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Discovery Systems, LLC (WI)

Accouny Discovery Systems disclosed information about my debt to a third party without my consent. Today after requesting them not to contact me at work or any other person who is not me trying to get a hold of me, they dishonored my request and contacted my mother at HER job. Instead of keeping my information discreet, they shared that they were attempting to collect a debt from me after my mother asked who was calling. Is n't this supposed to be against the law? The fact that I am in debt should not be shared with anybody without my consent. I am getting tired of them harassing me and calling my employer and family members several times a day. I feel helpless.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (CA)

Hi, i'm a XXXX  mother and also an XXXX XXXX XXXX I get XXXX every XXXX weeks. once my mortgage and property taxes where lumped together the month payment became a little harder with everything coming out in one paycheck. Starting in XXXX I was attempting to stop my auto payments so I could have my payments come out a little later, NOT late but it would come out of my XXXX paycheck of the month. For some reason I was unable to do this online so I always had to call and speak to someone. In early XXXX I again attempted to stop my autopay but this time not only did it say that I was unable to access my account but this time it said that my account was sold. ( not one time during the pervious months did live person tell me this ), I didn't receive a letter. I even looked up the bank that the mortgage was sold to, in attempt to make an account but I was unable to. I had to speak to a live person once again... I was told that the reason I am unable to get into my account or create a new account is because my mortgage was sold and I am in a " black out period ''. I explained what I explained above and she told me not to worry, since I am in a " black out period '', my mortgage won't come out for an additionaXXXX XXXX  days at the very least so we are looking at the XXXX at the very least, so call on Monday and you can sort everything out. I was told that if I had any questions she sent me an email. On Monday morning my mortgage was posted, I was neg XXXX in my bank account. I don't have any money for me or my child until Friday, and for some reason it feels like my mortgage company is trying to get me to default on my loan. I called Cross Country, in good faith thinking that they would help me and they said, oh I '' m sorry, since it has posited there is nothing we can do, but maybe we can help with mortgage assist ... ..... I have had XXXX  homes, I am a XXXX  mother, and XXXX XXXX XXXXXXXX XXXX XXXX  I don't need mortgage assist I need people to do what they said they were going to dol
Consumer complaint received 2022-08-04
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. (NY)

Upon checking my credit report I noticed that there are two accounts from XXXXXXXX XXXX with two different account numbers being report on credit report. Account # XXXX and Account # XXXX.I only have one account with XXXXXXXX XXXX  which is Account XXXX XXXX. I never applied for a second account. Somehow this second account seems to be a duplicate account of my current one. Included is a copy of my current credit card statement with accurate account number. According to the fair credit reporting act 15 USC 1681 : 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 an account without my writmen instructions. 15 U.S. Code 1681i Section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My car company stopped reporting to transunion and XXXX for a year. Thats how long ive had a incorrect balance on my credit report. Ive already reported. XXXX came up with the same incorrect balance. I do not feel, like a proper investigation was done. Thank you
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

Citibank refuses to provide equal access to services for XXXX customers who do not use TTY services. I was unable to register for an online account for my Citibank Thank You card, in order to pay it directly, and requested assistance via their advertised XXXX account. I had the card in my possession, as well as all other information necessary to open an account. Despite using DM XXXX Direct Messaging ) which is secure, the representative refused to assist, and told me that the only available way they would assist me is TTY, voice telephone, or physically going to the bank. I asked for a supervisor many times and was denied, and eventually ignored. I wasted over an hour of my time trying to get assistance from Citibank. The amount listed below for lost money is my hourly billable rate.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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