davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

On Monday, XX/XX/ I paid off a balance of {$630.00}. I was told it takes 10 days to generate a settlement letter. 

I called on Monday, XXXX XXXX XXXX  to request that I have my letter emailed to me. I was instructed by many different people, XXXX XXXX and XXXX XXXX instructed me that I will have to wait until Thursday, XX/XX/ to send me the letter to my e-mail once it has been generated. I was also told by employee " XXXX XXXX if I called on Thursday, XXXX XXXX XXXX that the letter will be ready and they will send it to me while I was still on the call. 

I called on Thursday, XX/XX/, and was luckily greeted by the same XXXX XXXX I spoke to on Monday who said that the letter has actually not been generated yet but she will raise the request to have it generated and it should take 24-48 hours to receive the letter and it will be emailed to me. 

I received no letter by Saturday, XXXX XXXX XXXX  so I called once more. Unfortunately the phone lines were closed until Monday but I was able to use there wed service to speak with someone through chat. She unfortunately told me the same as XXXX XXXX on Thursday saying the letter has not been generated but she will raise the request and it should take 24-48 hours. 

On Monday, XX/XX/, I still have not received the letter so I called once more. The gentlemen told me the letter has been sent out today actually. I said " Nice, but, I would like to have that actually emailed to me. He then proceeded to tell me that the letter has not been generated " in PDF '' form so he would not be able to email to me. But he would be happy to send a request to generate the letter and I should call back in a few days when it's ready. I have expressed to him that multiple if his colleagues have already gave me that response and I am starting to doubt it's truthfulness. I proceeded to ask him what happened to the other request 4 days prior that went unanswered about generating my letter and he did not have an answer for me. I then requested to speak to a manager. His manager, XXXX XXXX, who I actually spoke to on Monday, XXXX, XXXX XXXX, decided to give me the same excuse for why I still haven't received my letter. I asked many times if he had contact with the people who generate the letter and why are you telling me it was mailed out today when I requested to have it emailed, and that can not happen because the PDF has not been generated to email it to me but you can mail a hard copy? I told him that I was now getting frustrated and worried because they took my money on Monday, XXXX XXXX XXXX and they are keep giving me the same excuses. I proceeded to tell him I will just report that charge as fraudulent and wash my hands of this entire ordeal. At that point he said, " Oh they just emailed me back and they said your letter should generated by tomorrow and we can email it to you. '' I said, oh how convenient. I let him know that I will be reporting this because I don't appreciate the constant run around.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has violated my consumer rights under the FCRA, GLBA, and EOC, by unauthorize use of my social security card. This company has furnished over thirteen inquires on my consumer reports all of which I have successfully removed. After inquiring about this issue in XXXX XXXX, the company admitted to discrimination of my credit score and admitted to partial inquiries but dismissed the rest also saying that it would erase all my information and deactivate the credit monitoring program they set up on my behalf through XXXX XXXX they also stated they would remove my email address and stop sending me promotional offers. They have yet done that. I recieved a letter with an account number ending in XXXX and a case number. During a call in XXXX the associate said they could not locate my account which I did not create nor have access too and they have no information however they WILL in fact be calling, texting, emailing and mailing me more promotional offers in which I quickly declined however they are still sending me offers. I recently got a letter this week in XXXX of XXXX  stating they would like me to call about the issue and want about 10 item of information on me to " verify '' my identity such as employment and income information. I am tired of this. I would appreciate the company leaving me alone as I have never had a relationship with them and only have had discriminatory actions taken upon me for ONE application for which I applied in XXXX and the company took the liberty to place TWO applications on the same day without my permission and they also gathered my info and apparently applied in XXXX too.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MN)

I had a credit card debt on my credit report and reached out to Midland Credit Management to understand why this old debt was on my report and to provide debt verification so that I could resolve or dispute. They refused to communicate with me via email. The refused to allow me to access account information on their online system. They refused to allow chat reps or phone reps to discuss the account with me other than to say that I had to provide my address for them to speak with me. I sent a letter requesting that they communicate with me via email so I could document their communications and have prompt responses = since email is so much faster than postal mail = and they refused. I called them after receiving no response to my letter and they said they could not discuss my account because it was disputed ( and I had merely requested debt verification ) and that it would take 90 days to respond.
Consumer complaint received 2024-01-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NE)

netspend XXXX XXXX XXXX XXXX XX/XX/XXXX BACK : XXXX XXXX https : //www.netspend.com/ ( XXXX ) XXXX XXXX Texas XXXX Deliberately made the validation far too difficult for my Nephew XXXX XXXX. 
They asked him where he lived between XXXX and XXXX when he was XXXX year old. 

XXXX did not know that his Mom moved them away from XXXX XXXX IA because his father became XXXX. I think that they moved to a farm house in Iowa. 

They also asked XXXX where " XXXX XXXX XXXX XXXX '' is in a town that he lived in for two month at an address across town from XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I applied for the XXXX XXXX  back in XXXX. At the time I was told it would be a 15 day application process. I have been strung along by people telling me it is still in process and I just need to wait a little bit longer, but the time frame keeps increasing and increasing. In the meantime, interest is accruing on my loans. 

My most recent talk with a customer service representative had the representative tell me my XXXX application was denied and that I was in the XXXX program as well. When I asked for clarification, she stated that the application was actually still in process. Then she said I could re-apply to hasten the process. When I questioned if that would actually work she said re-applying could delay my application more. She then told me to wait another 30 days before calling again. 

I feel like I am talking to people who have no idea what they're talking about. They are just making up answers and wasting my time. Meanwhile, my interest is accruing when it shouldn't be. This is ridiculous and I am very close to just refusing to pay outright until they get their act together.
Consumer complaint received 2023-02-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MECHANICS BANK (IN)

Call was made to Mechanics Bank to inform that I would be making a payoff to complete the loan debt on XX/XX/23 and I was informed that not only would the account be noted but it would not be reported. Proceeded as such and made the payment online as I was instructed and informed that I can do without issue. 

Soon after I get a notification from my credit reporting application and when I checked it thats when I noticed my credit suffered a drastic hit albeit the debt was fully paid. I was hit for XXXX points at least. Called my contact to inform her of what happened and she was shocked to why it happened especially with my account showing paid in full and account was closed, yet at that time it was reported as 47 days late at the time and again hit my credit report. She advised that a supervisor would contact me which never happened. 

This led to yet an email to customer service and a cc : to the CEO including documentation showing and establishing that I held my end of the bargain and needed my title finally released. No response so I called back after a few days ( it was actually last week to the day on XX/XX/23 when the customer service rep informed me that the title was finally set up for processing to be mailed out on XX/XX/23 but couldnt provide me the documentation then said that XXXX XXXX a higher level employee than this tier 1 worker ) informed me and worked with me personally to the point that I had her direct line shouldnt have. This is wrong because of past agreements Ive had in the past with them but suddenly no documentation was available. I expressed my concern and stated that even with the payment done on XX/XX/23 and it is on record that I was dinged for making a full payoff but not rewarded for my debt being settled on my credit report because Mechanics Bank clearly didnt report it correctly.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (FL)

My account was hacked by an unauthorized user through Credit Karma and XXXX  of dollars was withdrawn from my savings and checking accounts. I caught the issue right when it started, when my phone number and email address were changed without any authorization, and money started being withdrawn and transferred in increments. I called Credit Karma immediately and reported the unauthorized actions and they said they can see the withdrawals coming from someone in California but that there is nothing they can do until the pending charges go through and then I can dispute the charges. They said that once the charges are disputed, the money will be returned to me immediately. I asked them to freeze my cards and freeze my account but by the time they did, over {$4200.00} was withdrawn from my account and transferred to someone else 's XXXX  account. After the charges went through and I disputed the charges, they said that it will take up to 120 days for the investigation. They then said that since I've used XXXX in the past I have to contact that merchant. The XXXX account is not linked to my own account and is under the name XXXX XXXX. I contacted XXXX and they said it is clearly not linked to my account, which I told Credit Karma. They have not responded. This issue started on XX/XX/XXXX and I have called and emailed Credit Karma dozens of times over the last few weeks and am not getting consistent responses. I need my money returned, transferred out of Credit Karma to my secure XXXX bank account, and my Credit Karma account closed.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (NY)

I was a victim of identity theft in XXXX of XXXX. This resulted in the majority in my online accounts being hacked and funds stolen. As of this writing, almost a year after i still have almost $ XXXX outstanding from three billion dollar companies who have failed to protect my money or made a good faith effort to return the fund. The first of these companies is payroll processor ADP. I am a registered nurse at a facility where ADP is mandatory if you want direct deposit.. A that time there was no two factor authentication on their app or web interface. As a result of this glaring security flaw the hacker was able to steal approximately {$6000.00} by replacing my checking account with another account that only he has access to. There was no call from ADP that a change was made, no email or text notification so I was totally unaware that this had happened until after the money was gone. A simple notification would have prompted me to log in and check for any discrepancies but that was not the case. Ironically the month following my incident a new vision of the payroll app called ADP totalsource was rolled out. this version now had two factor authentication. I now get a text and email when any changes are made to my payroll account. 

I reached out to the vice president of my company who in turn contacted the payroll dept but to this day have not had any remedy. i also contacted ADP via email and was contacted by a lady who basically said that's not her dept i should tell my company to contact ADP personally which they already did. There is no one to hold accountable for my {$6000.00} loss.this is money i worked hard for during the height of the Covid-19 pandemic, literally risking my life. From my perspective if my employer gives something to an intermediary and the intermediary loses it they should replace what was lost. As a result I have filed a claim in the XXXX  small claims court and have subsequently received a hearing date for XX/XX/XXXX. Apparently it is more prudent to pay attorney fees in addition to the outstanding funds. 
I have attached email correspondence of my issues plus a screenshot of the payroll screen and my bank statement.
Consumer complaint received 2022-03-01
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. (NV)

In accordance with the Fair Credit Reporting act 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 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I recently known the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

This is regarding CFPB complaint XXXX and the PNC representative XXXX XXXX XXXX XXXX ). 

I told her multiple times that I am unable to speak over the phone and that I can communicate via email. She refuses to communicate questions and responses via email with complete disregard to the Americans with Disabilities Act. XXXX insists on communicating via phone calls. 

XXXX refuses to make any accommodations to communicate via email.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consolidated Information Services Solutions, LLC (FL)

On XX/XX/2021 I noticed a new inquiry from XXXX XXXX 4 different times on my report. I have never applied for this account especially not this many times please remove this for it is fraudulent that this company allows this
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (GA)

I mailed letters to all 3 credit reporting agencies ( XXXX, Equifax, and XXXX ) on XX/XX/2021 and have yet received any correspondence regarding the status of investigation and/or results of my disputes. It has been 35 days and I still have no correspondence. 

I also mailed XXXX, Equifax, and XXXX a second follow up letter demanding a reesponse since it was after 30 Days on XXXX XXXX and still have not had any correspondence. 

This is a violation of my rights under FCRA.
Consumer complaint received 2022-08-09
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

This is the third collection company that is saying that I owe XXXX {$2500.00}. I left XXXX several years ago with a XXXX balance ; and transferred all of my numbers to a new phone company. 
Everyone knows that you can't transfer your numbers to a new phone company unless you have a XXXX   balance. 

I called XXXX about the situation and they said that they have no information about this so called debt.
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (IA)

Recieved a notice from all 3 credit reporting agencies about a debt from Cavalry Portfolio Servic. Cavalry Portfolio Servic  did not send any notice to me. They open a collection account on all three credit agenices. I tried to dispute the debt through the credit agenices as this company never provide any information to me nor gave me a 30 days to dispute the debt.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (TX)

On XX/XX/XXXX, I paid XXXX XXXX {$590.00} pursuant to a statement I received from them the previous month. For whatever reason, unknown to me, XXXX turned my bill ( which was paid in full ) over to Professional Finance for further collection. When they called in XXXX, XXXX, I told them I had paid. They required a receipt. My husband IMMEDIATELY went to XXXX and obtained the receipt showing payment in full two months prior. I forwarded the receipt to Professional Finance. In spite of this proof, they reported me as a no-pay to the credit agencies. I disputed the debt and provided proof of payment to Professional Finance and all 3 credit bureaus via certified mail. That was a month ago. Today, they started calling again saying the payment to XXXX did not count. Unknown to me, XXXX refunded the money to my credit card XX/XX/XXXX. I have no idea why and they will not respond. Countless calls to both XXXX and Professional Finance. HOURS on the phone with Professional Finance and the Billing Dept at XXXX. No resolve. These clowns have obliterated my XXXX credit score while I am trying to buy a new building for my law firm. Due to this misinformation, my credit is now in the low XXXX. I am a RE attorney so this is not in my wheel house but I want to learn more about consumer protection so I can assist other victims of this outfit.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

The account XXXX in question violates my rights as a consumer and pursuant to the Family Educational Rights Privacy Act ( FERPA ) the information from this account that appears on my consumer report was disclosed without consent to unaffiliated parties and violates the legal authority pursuant to 20 U.S.C . 1232g ; 34 CFR Part 99. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Family Educational Rights Privacy Act ( FERPA ) to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2022-08-09
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}.