davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. 
My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. 
Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.
Consumer complaint received 2022-09-05
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (AZ)

Debt collector Convergent sent me a collection notice for XXXX from company XXXX. The account is fraudulent. Previously I worked with the company to clear this and they confirm and acknowledge this account was opened fraudulently back in XX/XX/2021. I provided my Drivers License Account statement and SSN. They removed it from my credit report ; however bow they have sold it to another collection company Convergent
Consumer complaint received 2021-06-03
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. (IL)

I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section of the report. 

I ask that the items be deleted to correct my credit report.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

My American Express Macy 's credit card failed to send me any sort of invoice or bill for purchases I made on the card. Then then charged me XXXX late fees and ultimately reported the account as delinquent to the XXXX credit company which brought down my credit score and caused me to be denied a loan. When I contacted them they said I was set up for " electronic billing '' but they did not have my email address. I never signed up for electronic billing, so I do n't know why they would say that. Also, they have my home address, so if they did n't have my email, they could have sent a bill there. I had to pay over {$100.00} in late fees and it ruined my credit score, cost me a car loan, and took hours out of my life trying to get it resolved. I have never not paid a bill in my life. If they had sent me a bill, I would have paid it, but I had no idea there was an outstanding balance because they did not notify me. I spoke with multiple representatives, waited hours on hold, and no one has been able to help me. I was told someone was going to contact me to resolve this, but it has been a week and I have heard nothing.
Consumer complaint received 2015-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

Briefly - I was given a XXXX machine for XXXX XXXX, which did not work and was returned. I was promised a refund but when I showed with my XXXX machine but the only person to receive my machine was an assistant ( who I had never seen before ). She stated that the XXXX principals were not in ( even though I just talked with them by phone ) and that they did not have to be present to refund my {$500.00} deposit as they would refund my charge card from the info I had already provided. Not only did I not received my refund as promised, they then sent me a bill in XXXX for {$700.00} and sent me to collections as the same time. I informed the collection agency of the problem I was having but they informed me that their only responsibility/concern was to collect. Please help. Thank you!
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX XXXX Account # ( XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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 2020-10-03
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (MO)

I receive daily calls at my employer from  Atlantic Credit , a company for which I have never done business with. I find this repetitive attempt to collect a debt, that I do not believe I owe  Atlantic Credit , harassment and I feel my employment is in jeopardy as a direct result of these repetitive phone calls.
Consumer complaint received 2015-12-14
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A LOAN WAS DONE XX/XX/2013, AND PAID XX/XX/2013 IN FULL. i WANTED TO PAY IN FULL AND CALLED TO MAKE THE PAYMENT OVER THE PHONE. i ASKED WHAT THE AMOUNT WAS IN FULL THAT NEEDED TO BE PAID. i PAID AND ASKED IF THIS WAS FINAL AND CLOSED. THE PERSON I SPOKE WITH SAID YES, PAID IN FULL. TODAY I RECEIVED A CALL FROM A COLLECTOR ON BEHALF OF ACE SAYING I OWE MONEY. {$880.00} PLUS LEGAL FEES????!!!!??? i PAID IN FULL WHY DO I OWE THEM MONEY, THE LADY I SPOKE WITH XXXX XXXX SAID WELL WHO EVER YOU SPOKE WITH WHEN YOU MADE THE PAYMENT DIDNT CLOSE THE ACCOUNT???? NOW THEY ARE SAYING YOU OWE THEM MONEY.???? wHAT DO I DO??? i HAVE THE BANK STATEMENT FOR THE AMOUNT I PAID. i WAS TOLD ON THE PHONE THAT PAYMENT WAS IN FULL!
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CT)

Discover credit card site shows incorrect amount, instead of {$79.00}, it shows {$130.00} and it I try to make payments, it shows {$130.00}, which is incorrect Last Statement Balance {$0.00} Payments and Credits - {$120.00} Transactions + {$200.00} Current Balance = {$130.00} Next Statement Closing Date XX/XX/XXXX
Consumer complaint received 2015-10-20
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

Rushcard went through a system update on the XXXX of XXXX and I have not had access to funds since then, and this includes a direct deposit that was supposed to have hit on the XXXX. I checked my balance after they said the deposits were late due to the system update and it showed on XXXX XXXX, but by the time I got to an atm ( about XXXX minutes later ) the funds were gone and the balance was {$0.00}. I called Rushcard and they claim they do not show a deposit and to contact payroll at my job to see if the funds were returned. My job assured me no money was returned and that Rushcard has my deposit. I have not been able to get in contact with Rushcard as the customer service number now hangs up on you.
Consumer complaint received 2016-10-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dynamic Recovery Solutions, LLC (MD)

I received a call from a company calling themselves Dynamic Recovery Solutions. They provided me a phone number of XXXX. My wireless phone identified the number they called from as phone number XXXX XXXX XXXX XXXX. 

These people informed me that I have an outstanding medical debt of over {$300.00}. They have been hired to collect this debt in full or make arrangements with me to pay in installments or they will offer me a settlement. They requested for a credit card to pay this off. 

This company had my name and my wireless number and the last XXXX digits of my social security number and my previous address. They requested me to confirm my social security number and my previous address and provide my new one. I would not give them any information because I believe they are a SCAM. 

I have health insurance which covers most of my health insurance, therefore I DO-NOT any outstanding medical bills. I do not know HOW they got my personal information. 

I look forward to your investigation of this matter. Thank you!!
Consumer complaint received 2017-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TimeMark Solutions, Inc (TN)

I called and thought I was speaking to a   XXXX   customer service rep. However by the end of the call I realized I was not. This was a company called time mark solutions. I gave them my social my debit card as well a license number. They did n't tell me until the end of the call when they were " supposable '' sending me my paper work that I never got that they were n't  XXXX  they were a debit consolidator. Here is there number  XXXX
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (TN)

In XXXX 2016, i saw on my experian credit report thatbi had a debt collection debt on my credit report, which i had no knowledge of, the company convergent Outsourcing put a debt on my credit report. Which is not mines, The company violated the law for not allowing me to dispute the debt, nor send me any kind of verfication within the five days of initial contact. I contactedbthe company back in XXXX 2016 and told them it was a fraud accout. Once i contact the company, i told the company i wanted to dispute it. I was told a fraud packet would be sent to me, but i never received it. The company didnt verify the debt was mines, they just did slander to my credit. Which put a parked debt on my credit report. The company put XXXX collection account both in XXXX 2016. The company Convergent Outsourcing has ruined my credit. I dont not know anything about this debt nor applied for anything. The convergent outsourcing has been involve in deceptive acts. Convergent Outsourcing also violated my rights as a consumer, there are certain steps a debt collector suppose to do before negatively impacting a person credit report. So i am asking Convergent Outsourcing to remove themselves from my XXXX Crefit report, which they reported twice, not one, but twice, which negatively impacted my credit. So i decided to file a compliant. Because i can sue the company for impacting my credit report and for the damages they have done. I told the rep that i have no knowkedge of this debt, but i never recieved what they told me they was going to send me, this company is a scam company and does not agree to what they say,
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Convenience checks — 
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2016, I checked my credit card account online after receiving an email regarding my balance almost hitting its max. When I checked online, I notice that convenience checks were cashed on my account. I contacted the credit card company to dispute the transactions. I also advised them that I do not wish to opt-in to receiving those checks as I have never used them. They advised that they would opt me out and it would take 60 days. Today I received convenience checks in the mail again more than 60 days after I requested it to be stopped. The company has not followed through with protecting me from being a victim or protecting my account from being compromised. This makes no sense that a company would allow its customers to be compromised for a second time after they requested them to stop sending checks.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (WA)

I was told by Quicken Loans that I could refinance with XXXX closing costs at 4.375 %. I would receive {$4000.00} in Lender Credit to cover all closing costs. 
However, if my house appraisal resulted in an 80 % Loan to Value amount to be financed, the interest rate would drop to under 4 %. 
The Good Faith Estimate was changed to reflect $ 3.999 %, but then the Lender Credit was changed and I was expected to pay almost {$3000.00} at closing to Quicken. The reality was that I had to pay to obtain the lower interest rate. 
I believe this is clearly bait and switch. Quicken should be ashamed. 
In an earlier complaint, filed by me, Quicken also ruined my credit score with their multiple hard inquiries on my credit report. 
I was also forced to forced to deny that I disputed an outstanding balance from XXXX Bank, when in fact, I did dispute it.
Consumer complaint received 2023-09-08
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : USDOE/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2015-07-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns calls repeatedly, even after I spoken with a rep and asked them to stop the constant phone calls, I was told I would still receive the phone calls until the bill is paid in full. And they call from a bunch of different numbers constantly back to back and have called my job as well. Pure communication harrassment.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NY)

Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent. 

Their response to my first letter is attached. 

I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them. 

I have yet to receive a response from them. 

This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me. 

I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them. 

I do not recognize this debt and all I 'm requesting is that they follow the law. 

A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have not received any of the above required documentation despite submitting XXXX requests. 

If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Brennan & Clark, Ltd., LLC (NY)

i was contacted threatened with legal action if I did not pay was told that a court date was set and that they would be suing me I was told if I did not pay I could be arrested I was not verified no attempte to collect a debt and now they are refusing to up date on my credit report or provide me a letter I am contacting my attorney to file legal action on this company and will be contacting the XXXX