davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques (CA)

XXXX turned me over to collections for. credit card debt they could not validate. I sent a letter stating that I would pay any debt they can validate that I am responsible for by providing me with an invoice ( not statements ), a contract with wet ink signatures from both parties, full disclosure, and an assignment contract. I have not received anything but statements and now a letter stating they intend to sue me in court. They need to provide an assignment contract and validate this debt with a contract with wet ink signatures from both parties to legally validate my debt.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UHG, LLC (MI)

Subject : Illegal Debt Collection Practices by UHG I LLC Case Reference : Case No. XXXX, XXXX Judicial District Court To Whom It May Concern, I, XXXX XXXX XXXX am filing a formal complaint against UHG I LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. UHG I LLC has engaged in illegal debt collection activities, including initiating garnishment proceedings, despite not being licensed to collect debts in the state of Michigan, as required by XXXX  XXXX. 

Additionally, UHG I LLC has garnished {$500.00} from my Michigan state tax return, alongside wage garnishment from my wife, XXXX XXXX, despite their lack of licensure and legal standing. 

Details of Complaint : UHG I LLC is attempting to collect on a debt despite not being licensed to do so in Michigan. 

They initiated garnishment proceedings that resulted in both wage garnishment of {$2200.00} and garnishment of my state tax return totaling {$500.00}. 
Their actions violate the FDCPA and the Michigan Collection Practices Act, rendering their garnishment actions and judgment void.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (MO)

I received financing from Tower Loan to purchase a mattress in XX/XX/XXXX. Unfortunately, I had to file for bankruptcy in XX/XX/XXXX. Tower Loan violated the stay when their Regional Manager, XXXX, wanted payment on the account in XX/XX/XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XX/XX/XXXX.  I have scheduled 3 attempts with Tower Loan for them to pick up the mattress. The first time was XX/XX/XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after XXXX on XX/XX/XXXX. No one came. XX/XX/XXXX, XXXX from Tower Loan called stating that the person who was to have picked up the items on the XX/XX/XXXX had hurt their leg and was unable to do so and we set up another time, XX/XX/XXXX after XXXX. Again, no one showed. XX/XX/XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between Tower Loan and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt to pick up the items and that was set up to be XX/XX/XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XX/XX/XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that Tower Loan had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to Tower Loan and listed the recliner and it 's serial number. Today, not only did Tower Loan call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I received a Chase Slate XXXXXXXX XXXX XXXX  on XXXX by mail, that I never applied for. I noticed it had my maiden name on it. I called the company to inquire, and noticed that there had been a {$4000.00} +/- balance transfer onto the card. I was never notified that this card was opened, nor notified that the card was even applied for. I called JP Morgan Chase to report the card, and they closed the account. I requested a free credit report, which will be sent to me within 7-10 business days. I also signed up for Chase Credit Services, via their app, which provides alerts in the future, of this sort of activity. I made a report to XXXX, and asked for my credit account to be frozen as a precaution.
Consumer complaint received 2017-12-12
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. (MA)

TransUnion continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has 2 Cashiers Checks which were lost/stolen. Their Bank at XXXX XXXX XXXX  XXXX in XXXX, NV refused to cooperate to locate the funds as the Branch Manager asked me to leave the Branch and called building security. 

The check of {$1500.00} is serial number XXXX, Account XXXX payable XXXX to XXXX XXXX and {$7000.00} serial number XXXX, Account number XXXX issued XXXX payable to XXXX XXXX. 

The Bank needs to trace the funds to determine which Cashiers Checks are missing and re-issue them. 

The {$7000.00} Check is from the XXXX, NV Branch on XXXX XXXX. 

Both Branches have not re-issued the lost/stolen Checks. 

The accompanying checks were cashed by me and other checks were issued ; these are the checks lost/stolen.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc. (MD)

To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX 2017, which  is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to Caliber Home Loans, XXXX nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX, XXXX. 
Re : XXXX XXXX, XXXX. 

Original Account Number : # # # # # # # # # # # # XXXX Dear Sir/Madam, I am writing to dispute the validity of the debt associated with the above-referenced account number, which was previously held with XXXX XXXX, XXXX XXXX and has since been sold to your collection agency. I received a communication regarding payment options, but I have several concerns about this account that I would like to address. 

Firstly, I was not properly notified of the transfer of this account to a collection agency, and I would like to request validation of the debt, including the original loan agreement, a full account history, and the documentation of the transfer of this account to your agency.

Secondly, I believe there may be inaccuracies in the reporting of this account to the credit bureaus. As such, I am requesting that you provide me with all relevant details and investigate any potential errors.

If this debt is found to be inaccurate or unverifiable, I request that you promptly remove it from my credit report and notify the relevant credit reporting agencies of the correction.

I appreciate your prompt attention to this matter and expect a response within the timeframe stipulated by the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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: WELLS FARGO & COMPANY (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

5 Q
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (GA)

XXXX credit card  erroneously reported that I was 30 days late in XXXX. I called XXXX and was told that I was not 30 days late and that they were unsure why its being reported that way. They advised me to dispute it. I submitted a dispute with XXXX and submitted my credit statements showing that is incorrect and I just received a determination adjusting the 30 day late from XXXX to XXXX today is XX/XX/XXXX, so that is impossible!!! In fact, my credit statement shows that my due date is XXXX and that the minimum payment has ALREADY BEEN MADE. I need this corrected as soon as possible.

And while Im at it this company had started charging a yearly fee and monthly fees this year and I never agreed to it. Those were not a part of the agreement.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. ()

On XX/XX/year> I was left on hold for over XXXX hours by Santander Consumer USA. I tried using their live chat as well to no help. I was attempting to arrange payment to payoff the account l, but they instead left me on hold and unable to payoff my loan and this has impacted my ability to get a new car loan.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

I started XXXX in 2008, and I received one loan for XXXX, and another loan for XXXX. My loan balance is XXXX, and I have 17 separate loans to XXXX University. I don't know who, or what I owe, at this point. I also would like to know, how did I get 17 separate loans? Is this even legal. I also was receiving up to 5 phone calls a day from the student loan provider.
Consumer complaint received 2017-12-12
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: EQUIFAX, INC. (FL)

It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : XXXX XXXX
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX, 2017, BankMobile desposited my XXXX XXXX XXXX refund of {$720.00} into a JP Morgan Chase bank account that is not mine. I 've made several claims, spoke to dozens of representatives and " customer service specialists '' from each of the companies and they all ran me around in circles. I just want my refund so I can get the things I need for school. It 's been two months and still no results or explanation on how this even happened or how they can fix the problem.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I inquired about debt that was on my credit report. Most of this debt happened when i was incarcerated. I didn't open any of these lines of credit. 

Also : 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX BALANCED {$2200.00} XXXX XXXX XXXXXXXX BALANCED {$3600.00} XXXX XXXX  BALANCED {$9800.00} XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/year> I discovered that I had about XXXX in student loans on my credit report. Well I have never gone to college and I knew for a fact that that debt did not belong to me. I found out that another person with a similar name and social as mines crossed on my credit report. The other person 's name is XXXX XXXX and my name is XXXX XXXX. And our social security number are off by XXXX numbers. Due to the crossing of identity information, it has caused his/her account to stick to my credit report. I was able to get the student loan company to have XXXX to remove all of those student loan accounts because they recognized the error. However, XXXX and XXXX are refusing to remove the accounts that do not belong to me. I have gone to court with LVNVFUNDING. The plaintiff LVNVFUNDING was given 60 days to provide proof that I was responsible for this debt and they did not, so judge ruled to dismiss the judgment. They have never been able to prove that the debt belongs to me. And again there are 3 other accounts that do not belong to me that should be removed as well : 2 accounts with XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (MD)

Sent check to pay off my car to Chrysler Capital XXXX XX/XX/year>. Check cleared my bank on XX/XX/year>. Waited for clear title. instead, around XX/XX/year> received " Notice of intent to Repossess ''. 
Contacted company at the phone number on the notice and explained that I had paid off the car in question. Then went to the bank to get a copy of the check only to find that it was eletroniclly deposited and they gave me a print out that showed that. I created a letter and along with the letter, I faxed a copy of the bank info and a copy of their notice to the fax number that was on the notice. Called them back to confirm they received the fax. 
Waited 48 hours and tried to contact them again only to find out that they no longer could find my account either by using the account number or the last XXXX numbers of my SSN. Before that attempted phone call, they had no trouble finding me. 
Have no idea what the status is at this time. I am worried that they are going to come in the middle of the night an try to take my car.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (MI)

I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/XXXX from 2008. While I made purchases from XXXX in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Reached out to company in accordance to federal law15 U.S. Code 1666b - Timing of payments, stating that a creditor may not treat a statement on a credit card account under an open end credit plan as late for any purpose. 

This form of communication was attempted via phone as well as mailing in letter. No response was provided for letter that was mailed after the following call details below : Attempted to make payments, in addition to this. According to Customer Service representative, they did not believe the creditor would remove and refused to look into removing these late payment reports with myself paying the owed amounts. I was unable to speak with anyone personally regarding this issue, beyond a customer service representative, who stated that this was out of their scope of resolving. Late payments still remain on my credit.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (CA)

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Inaccurate Debt Reporting by Resurgent Capital Funding / LVNV Funding Account Number : XXXX To Whom It May Concern : I am filing this complaint regarding the inaccurate reporting of an account that was sold to Resurgent Capital Funding, account number XXXX. I have attempted to dispute this account on several occasions, including on XX/XX/2024, and XX/XX/2024, through certified mail to XXXX, XXXX, XXXX, and directly with Resurgent Capital Funding/DBA LVNV Funding. 

I am not liable for this debt with XXXX XXXX, and I have repeatedly requested validation of this debt, including an original contract with my signature. Resurgent Capital/LVNV Funding has been unable to provide the requested documentation, making this debt invalid.