davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on  XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

I visited   XXXX   XXXX   XXXX   of   XXXX   Tx. I was told all services were covered under my insurance plan. I received a bill and requested the bill be resubmitted to my Ins..
I did not hear back and forgot about the matter. I am in the process to buying a home, my lender informed me i owed {$320.00} and i paid that amount to United Revenue Corp   XXXX   XXXX   XXXX   XXXX    XXXX  TX  XXXX .. I asked United Revenue to provide a Deletion letter to provide my lender that must include Account number, the amount paid, and that the debt is ok to remove from my credit report. This is a standard form and my lender assures me United Revenue is well aware of this form.
I was told they could not provide that letter, that letter comes from an out of state office, i was assured the out of state office would send this with in 10 to 15 business days.
We waited and received a letter but did not contain what was requested. My wife called and expained a second time what we need and was told the first request was deleted. but was assured United Revenue resubmit the request and we would again have to wait the 10 to 15 days. This is holding up our loan process, we paid the amount owed and feel with the attitude we receive when contacting United Revenue they feel as if to punish us in some way and will not provide what we ask. Even though we have paid the debt.
Consumer complaint received 2024-09-23
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: Exeter Finance, LLC. (AL)

Several unauthorized hard inquiries were added to my credit report on XX/XX/2023, XX/XX/2023, and XX/XX/2023 without my consent. I have reached out to each creditor regarding these inquiries, requesting documentation to prove that I submitted or signed a document authorizing them. Unfortunately, none of the creditors have provided any documentation to support these inquiries. Despite my request for the inquiries to be removed, they still remain on my report and are adversely affecting my credit profile.
Consumer complaint received 2024-08-22
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. (PA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

To Whom It May Concern, I had an overdue medical bill from date of service XX/XX/XXXX  with   XXXX   XXXX   XXXX   in the amount of {$1300.00}. Due to financial hardship the bill was turned over to   XXXX   XXXX   XXXX   XX/XX/XXXX  and they aggressively pursued debt collection attempts. I had no way to pay them so it then went to   XXXX   XXXX   Judicial District Court on  XX/XX/XXXX  and a hearing date was set for XX/XX/XXXX for conciliation hearing. I was notified, by mail, of a judgement entered for  XX/XX/XXXX . My place of employment at the time was mailed the garnishment information on  XX/XX/XXXX  and withholding of wages was to start  XX/XX/XXXX .
I called and spoke with   XXXX   XXXX   with   XXXX   XXXX   at  XXXX  and made payment arrangements for two check installments of {$780.00} for  XX/XX/XXXX  and  XX/XX/XXXX . I have proof of one check being deposited by anchor bank   XXXX   trust account   XXXX   on  XX/XX/XXXX  but can not provide a copy of the check on  XX/XX/XXXX  due to my bank records online only going back 15 months.
My issue is that I am trying to sell my house and their is a lien on my title and an unsatisfied judgement on my credit record due to this debt. It was paid in full and when I call the phone number   XXXX   or   XXXX     XXXX   XXXX   XXXX   it either plays a continuous busy signal or a recording says " all circuits are busy ''. My closing date is in a week and I need this cleared up. Please help in any way you can.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

" The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month.
Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default.
These were not loans, but neutron bombs with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from  XXXX - XXXX .   XXXX   XXXX   and its subsidiaries sold the loans, but when   XXXX   XXXX   bought  XXXX  at the end of  XXXX , they assumed responsibility for them.
Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because  XXXX  never disclosed the consequences,   XXXX     XXXX   was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows   XXXX   XXXX   to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against   XXXX   XXXX   back in   XXXX   XXXX   when their predatory lending practices came to light. The home equity loan was an instrument of Wells Pick-A-Payment home loan, which was transferred in   XXXX   of  XXXX  under Account  XXXX  while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning Wells to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

National Credit systems on behalf of    XXXX   XXXX   XXXX   removed the account from credit report and placed it back the same day. According to FCRA, they were supposed to notify me 5 days before placing it back, which they did n't. They violated FCRA. This should be removed from my credit report. I paid to have it removed after they did this, so I need my money refunded as well.
Consumer complaint received 2024-08-22
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: EQUIFAX, INC. (MD)

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 uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation 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 these are the following accounts need to be removed.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Miller, Stark, Klein and Associates (IL)

Dear Sir or Madam : Miller Stark Klein Assoc offered me a settlement for the outstanding auto loan with   XXXX   XXXX   from  XXXX . Claiming in order to avoid court proceedings, I should pay immediately. I paid {$1900.00} to Miller Stark Klein on  XX/XX/XXXX , with the impression that my debt with   XXXX   would be settled and rectified.
Unbeknownst to me, Miller Stark Klein Assoc does not have proprietary rights of the outstanding debt with  XXXX . In fact they have zero correlation to said debt with  XXXX . I contacted   XXXX   as of  XX/XX/XXXX , the debt is owned by   XXXX   XXXX   XXXX  .
I am being summoned to court for the amount due in full by   XXXX   XXXX   XXXX  . Miller Stark Klein falsely represented themselves, leading me to believe they were acting on behalf of  XXXX . They defrauded me of my {$1900.00}, all the money I had available in order to settle this debt. Now I am in the midst of a much bigger predicament.
I want my money back! I want Miller Stark Klein to be penalized for misleading people. What they did was wrong ethically. They should not falsely take money from people that are struggling to repay their debts. I am willing to collaborate and/or offer full support to CFPB in regards to this request.
Sincerely,   XXXX   XXXX     XXXX   (   XXXX   )   XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

On  XXXX / XXXX /17 I called Wells Fargo regarding my credit card debt with them, which was for  XXXX  . I was told that if I settled and paid  XXXX  $ that I would get a " settled in full with a current balance of   XXXX   '' letter. So, I paid the  XXXX  . I now have a  XXXX  $ debt with them that showed up on my credit score. I am trying to get approved for a home loan and my score has now declined since this  XXXX  $ " debt '' has been re reported. I called Wells Fargo to discuss this and  XXXX , the manager, said that no matter what the issue, I still have a  XXXX  $ debt with them and it will never show on my score as a "   XXXX   balance ''. I have asked them to pull the phone conversation I had with them when I paid the settled amount because they specifically told me that I would have a current balance of  XXXX  with them. This is common sense, if you settle an account then no remaining balance should be owing. I am demanding that this issue be resolved and that Wells Fargo send me a  XXXX  balance letter. I have attached the letters Wells Fargo has sent me regarding the situation.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America mortgage loan # XXXX was paid in full XXXX XXXX, 2016. 
Today, XXXX XXXX XXXX I called to ask why the paid note and cancelled deed had not been returned to me. Bank of America agent said that they did not exist!
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2017-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (TX)

I have been contacted multiple times by a collection agency that goes by two separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a US Citizen. Attached are my letters my XXXX advisor told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX XXXX
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (MN)

Hi, I signed up for this account under a promotional offer where if I spent {$140.00} on electronics purchases I would receive a {$75.00} Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the {$75.00} Gift Card. 

My first order and the qualifying order number : XXXX
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

I have contacted Navient two times to discuss decreasing my monthly payment due to my financial situation. I have provided them with my monthly expenses. They stated that they need my father 's information, as he is the cosigner. I have informed them twice that he is currently XXXX and not able to help with payments. Both times, they have told me they will send me the required paperwork to complete to verify my father 's XXXX status. I have never received this paperwork, either time I was told I would get it and have not even been given an option to lower my payments.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return 2 of the 4 receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.