davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (FL)

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

XXXX XXXX XXXX has placed a derogatory collection on my Credit Report, which is affecting my credit. I do not have said Debt of {$2800.00} with this company. The agency has not been able to VALIDATE the debt with the proof of the original contract with original signature, payment history etc. ). A bill is not proof of debt.
Consumer complaint received 2018-01-24
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: Experian Information Solutions Inc. (FL)

The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE AUTO FINANCE To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NV)

In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX  XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE BANK USA NA To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one is fraudulent, I have 3 of their credit cards, Ive contacted capital one credit card customer service and spoke to several customer service fraudulent agencies and they refused to help me and give me access to my credit cards they have blocked me from using my credit cards with their company but is charging me every month because my credit card payments are set up on direct payments through my checking account. I have given capital one enough time to make adjustments on my credit cards but they refused. They are advertising XXXX fraud on fraudulent use of credit cards. 
I explained to capital one fraud team that this problem has been on-going and they never has brought this matter to a close. Capital one restricted my credit cards but is taking money from my checking account each month to pay themselves. As I have online access capital one is also charging me monthly fees for cards I can not use. This is totally unfair practice
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NC)

Initially I was mailed out a letter from Sunrise Credit Services Inc dated XXXX/XXXX/XXXX stating that I owed them for an account from XXXX for the amount of {$570.00}. In this letter there was no itemized statement to show what exactly I was being charged for. The balance is incorrect. XXXX/XXXX/XXXX I went and mailed out a debt validation letter requesting Sunrise to submit proof that I held a contract or legal obligation to repay this debt that they are accusing me of owing. I received nothing at all. Not a statement, no itemized detail of the balance or signature showing I had a contractual obligation to pay them. I am requesting to have this debt removed from all 3 of the primary credit bureau. They had more then 30 days to verify this debt was mine.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX Closed : XXXX XXXX, XXXX + {$6900.00} Closed This account is still showing a balance on my credit report. I filed chapterXXXX bk and was discharged in XXXX XXXX, this loan was also part of the bankruptcy, I have spoken with XXXX many times but they keep reporting that there is still a balance showing, I want the balanace to show " XXXX ''. the vehicle was returned to them pior to filing the BK.
Consumer complaint received 2018-01-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (MI)

XXXX XXXX XXXX. NOT MY LOAN. XXXX XXXX XXXX in Florida. I live in Michigan. Have disputed with XXXX, XXXX and XXXX XXXX. It was removed last year but now back on my credit report.
Consumer complaint received 2018-01-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.
Consumer complaint received 2018-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX/XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXXXXXX inquiry date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  Capital One put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.
Consumer complaint received 2018-01-24
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: AMERICAN EXPRESS COMPANY (CA)

Inquirer Name : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX-XX/XX/XXXX Contact Information:XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This inquiry is on my XXXX report please have them remove this from my account i did n't authorize anyone for inquiry. thank you. 

Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX -XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Inquirer Name : XXXX XXXX inquiry Date : XX/XX/XXXX-XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Each of this companies have put 2 inquiry 's on 2 different dates i have never applied for this credit cards for accounts. thank you
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I noticed the debt on my credit report and disputes with the credit bureau. The credit bureau stated the company verified the debt. I again disputed the debt as unknown and I received the same results. I contacted the company that's stating I owe the debt to inform of invalid account and they sent a letter showing a statement in my name. I again called and asked for proof that I signed up for that debt and I also asked for proof of a document showing they had the right to collect it and that they own it other than showing me a statement. The company sent the statement copy and nothing else. I then sent a certified letter stating the company had 10 days after receipt to provide me proof of my signage of this invalid account and proof of owning docs for this particular debt andnif not, they need to delete it ... and once again, the company provided me with their company letter showing the name of company owed which was not proof.
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Credit Card Acquisitions Group (FL)

This afternoon, XX/XX/XXXX, I received a phone call from Foster and Monroe from XXXX XXXX, NY. The individual introduced himself as an " investigator '' who was attempting to contact me to discuss options for paying my loan I received from XXXX-a tribal lending institution located in Missouri. This individual informed me that legal action had been commenced by the tribe and that a wage garnishment/wage attachment in the amount of 42.5 % was 24 hours  away from being duly executed. I was told that their " chief paralegal '' had filed the paperwork on behalf of the tribe and had also been appointed to execute the garnishment of wages. When I informed this individual that the garnishment has to be an action of state law, he replied that I waived my rights to state law when I signed my lending contract. This was NEVER disclosed to me. Furthermore, there is federal case law out of the XXXX XXXX of PA that holds XXXX XXXX   and Payday Lenders can not garnish wages of non-Indian persons-regardless of the language of the contract. The first conversation ended with a request to speak with the " Chief Paralegal '' in order to receive a copy of my filings. 

A little less than an hour later, I received a call from someone claiming to be the " Chief Paralegal '' and told him, I needed to be emailed copies of the court summons, pleadings, filings and judgments. I was told that tribal courts dont necessarily follow usual protocals and they can essentially do whatever they want-in an attempt to justify the 42.5 % wage garnishment/attachment. 

I provided this individual with the number and name of my Pay Day Loan Consolidation company. I spoke with my advisor who informed me no call from New York State had been received by his office. I also have not received any email with any legal documents attached that indicate any tribal filings have been made against me, any hearings have been schedule and any rulings have been issues. Additionally, the original loan in question is no longer offered by XXXX and the originally collection agency that bought my account from AWL purchased it in XX/XX/XXXX. 

I contacted, the original collections company and informed them of the encounter with Foster and Monroe. After spending upwards of 15 minutes with XXXX XXXX XXXX ; it came to my attention that XXXX had no idea who Foster Monroe was, became very interested in what they had told me and informed me that ACM would investigate Foster/Monroe and that I should not pay them anything. I am waiting to hear back from XXXX. 

I sincerely hope that this board lives up to its mission statement and agrees to help and save me from this attempted " financial extortion ''. 

Thank you. 

Regards, XXXX XXXX, XXXX.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

I obtained a auto through Santander on XX/XX/XXXX. Over the five years I had this loan the lender charged over and beyond in fees. I paid my last loan payment and in XXXX and the lender tried to charge me a late fee. I refused to pay it. The lender has been negativly reporting for since XXXX. The balance was at {$39.00} I had it deleted from my credit report and they place it back on without notifying me first and the balance was now {$420.00}. I have tried to call them to resolve this. They are willing to accept my money but they will not delete the negative reporting history. They can not do this because technically the " charged off '' the account. They wrote this off and they want to collect money " double dipping '' Santander has been incorrectly reporting the balance on my account, I disputed and it was removed and they placed it back on my report for a totally different amount than what was previously being reported/.
Consumer complaint received 2018-01-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The Letter below was sent to both XXXX XXXX XXXX and Citizens Bank in an attempt to secure funds in the amount of {$5000.00} back, which was provided to the city of XXXX as part of a bidding process for a city contract. A fellow towing company has already received their funds back even though we had the same situation. We can't understand why these institutions can't get us the same reconciliation. 

XX/XX/XXXX XXXX  XXXX, Chairman of the Board Chief Executive Officer XXXX XXXX, President, Preferred and Small Business Banking XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX XXXX XXXX and XXXX XXXX : I write to resolve a financial matter, which may be small to you all in the value of the problem but, as a small business a very big one for us. 

On XX/XX/XXXX the owner and operator of XXXX XXXX XXXX XXXX , XXXX withdrew {$5000.00} from his XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX account and had it issued as a XXXX XXXX Treasurers Check # XXXX for Tax ID # XXXX. This Treasurers Check was then turned over to the City of XXXX as part of the bidding process for a city towing contract. 

For some unknown reason the city of XXXX held this check in their safe for the period of XX/XX/XXXX until XX/XX/XXXX when they returned it to XXXX XXXX XXXX XXXX , XXXX We have checked with the states of New York and Massachusetts and to no avail both states have informed us that there are no funds being held as Found Property. Therefore, this leaves us to believe that these fund that were drawn on our account are still with XXXX XXXX XXXX  XXXX. 

We are hoping that we will not need to take any other actions other than asking you to address this matter as we have received no support at the level of those banking employees who are at the first level of your organization. 

Please find enclosed a copy of the Treasurers Check for your review and consideration. We would like our {$5000.00} back. 

Please feel free to contact me at XXXX or by call me direct at XXXX. 

Thank you for your assistance with this matter and I look forward to hearing from you. 

Respectfully, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.