davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc (TN)

This was sent regarding multiple accounts My request was as follows : Hi, please provide a XXXX The original contract between myself and XXXX  The original contract between myself and January Technologies The FULL ORIGINAL account number The privacy document signed by me with the original creditor allowing January Technologies or yourself access to my personal data Proof of the accuracy of the portfolio complete with my full name Proof of Purchase of the portfolio from the original creditor Proof that the Assignment of Debt rules have been followed Proof of how January Technologies, XXXX, and XXXX XXXX XXXX  arrived at their respective alleged amounts owed.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 



If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 



If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 



If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 



Tell me when the creditor claims this debt became due and when it became delinquent. 



Identify the date of the last payment made on this account. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 



If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 






I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (UT)

I called the companies number it sent me to a machine that told me to email them. I emailed them and it 's been a week without any response. I 'm just trying to get my free annual cerdit score check.
Consumer complaint received 2018-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I am completely disgusted on the lack of communication and attention this file has received. I called today to find out if the value is in as it was completed on XXXX XXXX per the listing agent and I was told by customer services there was just a note in the system as of XXXX XXXX about loan modification. The opt out for the loan mod was even confirmed received by and confirmed by Supervisor XXXX XXXX on XXXX XXXX and XXXX XXXX stated on XXXX XXXX the file was assigned a short sale negotiator. I have had ZERO communications for said negotiator and this file has experienced one delay after another and it is completely unacceptable. The offer and complete packet were submitted over 80 days ago and there has been zero progress. It takes 5 outgoing emails to XXXX XXXX to receive a one sentence vague response. There is no excuse for the level of service that this file has endured.
Consumer complaint received 2024-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

MOHELA is refusing to certify 2 PSFL for a Department if Veteran Affairs federal employee, employed from XX/XX/year> to current, all form were submitted multiple times the HR Special has contacted MOHELA verifying employment ect. 1 letter requested a qualified signature, when that was received 2 letter states the denied because the Department of Veteran affairs is a for profit organization which we all know that is not true.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

The FCRA 605B regulation necessitates the deletion of any erroneous records from my credit report. These records misrepresent my credit standing. I am entitled to {$1000.00} for each such erroneous record on my credit history.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (MS)

I was notified of a hard credit inquiry on my credit report on XX/XX/2024 by Wells Fargo Card Services. This was not initiated nor authorized by me. I have attempted to contact Wells Fargo multiple times to no avail.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc. (FL)

We told staff we were moving out of our apartment. We were told that it was not a problem. After moving, we received a letter we owe them over XXXX for breaking the lease which was not told to us when speaking with staff. Also, we never received the new lease indicating these terms. The company claimed the left at the door which could have been taken by someone else. There was no communication in receiving a new lease. We asked why it was not mailed certified mail, return receipt. We have tried disputing this debt and they are refusing to take it off our credit. We left the apartment in perfect condition when we moved out.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (SC)

old gym membership don't understand why its {$140.00} collection I believe it was something like {$30.00} a month I don't think they would have ever let me go that far without payment and its been over 30 days since debt validation letter has been sent out no contact of info of any kind.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NJ)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (TN)

XXXX requested a background check in XX/XX/XXXX. Items on my background report were reported clear in XXXX. In XXXX I was placed in the considered phase which caused me to loose my drivers position with XXXX. The items on my background check was a speeding ticket from XXXX that was paid & cleared with checker XXXX & XXXX, two auto accidents that were not any fault of mine. A drunk driver hit me in XXXX, XXXX & a lady making a uturn hit me in XXXX XXXX I was not given a ticket in either accident. I disputed this information with checkr & on each dispute they wouldnt reinvestigation nor consider the documents for review.
Consumer complaint received 2024-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc. (SC)

I filed a complaint with the XXXX  and the SC Consumer Affairs Department on XX/XX/24 in regards to Midwest Loan Services and my mortgage payments going up more than the total of my taxes and insurance. They responded back to me with a letter on XX/XX/24 stating that they were within their rights to take a 2 month cushion for my taxes and insurance due to the RESPA law. They advice me that I could request for my taxes and insurance not to be escrowed if my loan to value was below 80 %. I requested to pay my own taxes and insurance and was denied. They said per XXXX XXXX regulations, they have to go by the value at origination. My loan to value is well below 80 % per their estimated value, XXXX, and XXXX. I can also get an appraisal that I'm sure would come in well above my loan payoff. I won't to pay my own taxes and insurance, because I'm well within my rights with an ltv less than 80 %. Please help me, this is simply unethical!
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an automobile loan and they took an extra unauthorized payment on XXXX XXXX XXXX when I made a monthly payment on XXXX XXXX. They insist they did not take an extra unauthorized payment. When I paid the monthly loan amount on XXXX XXXX XXXX I was told and my account reflected " payment current ''. 

By taking the extra amount of {$450.00} I can not pay my other bills.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Collection Associates, Ltd. (TX)

This installment loan was taken out on XX/XX/XXXX and no payments were made. In XX/XX/XXXX it was charged off and put on my credit report. My credit report showed that the account would fall off my credit report on XX/XX/XXXX. The account did fall off until a year later in XX/XX/XXXX this company bought the debt and is now reporting it to my credit report as new debt. I was not aware until recently it was even on my credit report, I was not contacted in any way, either by phone or mail that this even existed until I started looking at new loans for college. I have disputed this 3 times with no success. This is beyond the XXXX  year statue of limitations to be negatively impacting my credit report. This is not only affecting me financially but also emotionally and I will take legal action if there is no resolution to come out of this.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

My citibank credit card was rejected on the evening of XX/XX/XXXX. I called the number on the back of my card and their automated system said it didn't recognize my card number and to call back during business hours. I called on XX/XX/XXXX at XXXX XXXX Central Time and was transferred to their Probate Department. I was on the phone for 20 minutes and learned my card was coded as deceased. The agent told me I had to get a new card and I told them this was their error and I wanted my card reinstated. I was on the line and she hung up on me. I called back, was transferred to the Probate Department. I spoke to XXXX ( ID # XXXX ). She verified my SSN was active and that I'm alive and said she'd put through to reinstate my card and it would work in 24-48 hours. On XX/XX/XXXX XXXX notified me they couldn't process my payment for my order. XX/XX/XXXX- I called the Citi Probate Dept at XXXX and talked to XXXX ( ID # XXXX ) at XXXX XXXX Central Time. She saw all the notes but told me I was misinformed and that it takes up to 30 days to reinstate my card. She apologized and said she also saw that the person I talked to on the XXXX didn't process my request to reinstate but that she would process it and request the code change while I'm on the line so I know she did it. I XXXX my name and someone in Ohio ( I live in IL ) died that has my name and is 10 years younger than me. Perhaps it's possible this is why my card was shut down and then asked why wouldn't I receive notice, let alone someone check my address and birthdate as I live in IL and am 10 years older than that person. She said Citi has this all the time that deceased codes are put on with no information or verification all the time. This is a huge disservice and lack of client respect and security on the account. Where is their due diligence on their clients? All my bills on autopayment go to this card and I am receiving all kinds of non-payment notices. I only have one other card ( with a really low limit as it's my emergency backup card ) to pay my bills online. Because the limit is very low ( purposely as fraud precaution as it's not used a lot ) I am having a hard time getting my utilities and other bills paid. It's ridiculous that it takes 30 days for them to fix their error and has required me to call twice and find out the first person didn't fix it right. According to Citi this happens all the time. I can't imagine how many unhappy people there are out there with this same problem.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX that my address have changed they continue to bill my old address which I wasnt able to keep up with the payments because I did not have documentation notify me that the payment was due and I was not aware that there was a balance on the account and I had asked that they send me that information so that I can continue to make payments to my knowledge this account went Past due clothes and is a negative reporting on my credit report when I found out that I had this I contacted XXXX XXXX directly and use my credit card to make a payment.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (CA)

I have sent two notices requesting verification of debt. I sent a request on XX/XX/2020 and another on XX/XX/2020 and have yet to receive actual statements. They leave messages on my cell phone and work office that they are from a legal team and someone will be coming to my home and place of work to serve me with papers and possibly arrest me. Its been several months and no one has come. The call at various hours starting at XXXX XXXX  and stopping sometimes as late as XXXX XXXX.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (GA)

Weeks ago I called and reported a list of unauthorized transactions : " I did not make these charges : XX/XX/XXXX Auth : XXXX XXXX {$19.00} Completed Transactions XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$120.00}XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$190.00}XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$110.00}XX/XX/XXXX XXXX XXXX XXXX Ca {$59.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$730.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$54.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$29.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$32.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$12.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Mo {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$99.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$260.00} XX/XX/XXXX XXXX XXXX Il {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Wa {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Wa {$150.00} XX/XX/XXXX XXXX XXXX Ny {$160.00} '' The balance at the time was more than {$2600.00}. That 's what I expected to be replaced. Today I get a check for {$230.00} with no explanation where the rest of it is.
Consumer complaint received 2024-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (WI)

In XXXX I sold a mobile home in New York, XXXX XXXX charged me an extra months electrical service {$130.00}, I contested it with them, they said they would contact me at a later date to complete any paper work, and I completed my move out of state. XXXX XXXX never contacted again, the next thing I new was National Recovery contacted me to collect the debt. I paid there required discharge payment of {$100.00} on XX/XX/XXXX by Debit Card yet the this OUT STANDING COLLECTION continue to show up on my credit report.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (OH)

XXXX appeared on my consumer report on XXXX in the amount of {$1400.00}. I have no knowledge of this debt and did not receive an opportunity to validate the debt within five days of it appearing on my consumer file. I sent a letter and received no response from the company asking for validation, signature receipt or anything like that.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (NC)

XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (NC)

Jh portfolio sold a account to XXXX XXXX for XXXX and XXXX XXXX this fraudulent account needs to be remove from my credit report I never had a account from XXXX XXXX and this is fraudulent
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

According to nd according to 15 USC 1681i 5 they are suppose to do this ( 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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. 

42 USC 408 asking for anyone 's social security number on any loan is double dipping and fraud which is a violation of RICO We the people are the credit and the debt the moment of signing you received your currency twice. According to my 1666 account. Several crimes have been committed and everyone will be held accountable. 

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 : WELLS FARGO Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to PENTAGON FEDERAL CREDIT UNION written, unwritten, verbal or non verbal to report my nonpublic personal information. PENTAGON FEDERAL CREDIT UNION is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by PENTAGON FEDERAL CREDIT UNION that my nonpublic personal information was going to be shared to non affiliated third parties such as Early warning services, XXXX, XXXX, XXXX XXXX, XXXX XXXX was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which PENTAGON FEDERAL CREDIT UNION never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, PENTAGON FEDERAL CREDIT UNION violated the terms and conditions within their banking agreement, because PENTAGON FEDERAL CREDIT UNION states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice.I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al.