davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: First National Collection Bureau, Inc. (MN)

First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. 
XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. 
I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. 
NO SUCH EMAIL CAME! 
I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. 
I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. 
I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I had my real estate taxes reduced by {$1500.00} a year and faxed the copy of the reduced tax bill to Seterus as they instructed me to do on XXXX/XXXX/15 and asked them to analysis my impound acct and make adj. in my payment. No response. I called again on XXXX/XXXX/15 and talked to XXXX and she told me to refax. It would take 7 to 10 business days. Still no response. Called XXXX/XXXX/15 and XXXX told be to refax again which I did. Still no response. Called again on XXXX/XXXX/15 and XXXX XXXX told be she was ordering the analysis of my impound account that day. No response, so I called again on XXXX/XXXX/15 and talked to XXXX XXXX and she said they were working on it. Should have by the end of the week. Still no response, so I call again on XXXX/XXXX/15 and was told it was ordered on XXXX/XXXX/15 would take 4 to 6 weeks, which is past that time period. I still have n't received any response from Seterus as I keep getting the run around am I 'm paying much more each month in my impound account that I need to. Also, the wo n't send me any payment statements as they say that since I filed and received a discharge of my bankruptcy, that they wo n't send me payment statements. That if I want to make payments, I just have to send them a check. I have been on the internet and read other reviews from other customers and this company has to be the worst ever. They should n't been handling people 's funds as you ca n't even find out what they are doing with them. They should be put out of business.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (NY)

I am writing in response to your letter Subject matter of the account in question. After reviewing your response, there are several key points that need to be addressed under applicable law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

First, please be advised that XXXX XXXX is the holder in due course of this account, which is established as a private trust. According to UCC 1, the security interest and lien filings were not properly disclosed at the time of the alleged agreement, rendering the contract unenforceable. Furthermore, under HJR 192 and Public Law, this account should have been settled by a bill of exchange or another negotiable instrument, and no discourse or notification regarding such resolution was provided. 

Additionally, your response states that the account was charged off and subsequently sold to XXXX XXXX XXXX. However, it is important to clarify that under federal law, purchasing or collecting on a charged-off debt without proper disclosure or validation of the underlying security agreement is unlawful. XXXX XXXX, as the servicer of this account, has a fiduciary duty to ensure that all actions taken comply with the laws governing private trusts and consumer protection statutes. 

Furthermore, I dispute the assertion that the debt has been properly verified. The documentation provided does not constitute adequate proof of a binding contract or agreement with XXXX XXXX as required by the FDCPA. The verification process must include a clear, authenticated copy of the original agreement that includes all terms and conditions acknowledged by both parties at the time of inception. Additionally, please provide full disclosure of any assignments or transfers of interest related to this account, along with all transactional details. 

Please note that reporting this account to the credit bureaus, without resolving these legal concerns, violates 15 U.S.C. 1681s-2, which prohibits the furnishing of inaccurate or incomplete information. I request that you immediately cease reporting this account until the proper verification and settlement of this matter are complete. 

I expect a detailed response addressing each of the points raised, and I reserve my rights under applicable law. If I do not receive a satisfactory resolution, I will pursue further actions, including but not limited to filing complaints with the appropriate regulatory authorities.
Consumer complaint received 2024-10-17
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. (OH)

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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. 

XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number 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 Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2015-07-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MD)

I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aargon Agency, Inc. (NV)

AARGON Agency , Inc will not reach out to research this account not consider any of my documents from an ID theft I experienced while living in a XXXX XX/XX/XXXX. I have sent them my insurance card for services rendered in XXXX XXXX and a police report for the ID theft on the XXXX XXXX services while living at the shelter that is also attached to the dispute on my credit report - AARGON said they will NOT look at those documents ... It is real frustrating how these collection agencies can easily attach an unconfirmed account, especially since the new debt collection laws have taken place in the state of NEVADA. Please help me in the matter, I feel XXXX three times over and have the documents to prove that I do not owe this debt to XXXX. I have also sent these same documents to XXXX XXXX XXXX today ( XXXX/XXXX/XXXX ) to the attention of XXXX - whom is the PT Accounts Services Manager. Research and review of these documents you will notice that my name is partially my maiden name and married name ( XXXX ) on my supporting documents.
Consumer complaint received 2024-10-17
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. (OK)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-07-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (OR)

Following the complaint I filed last month ( Case Number XXXX ), XXXX XXXX of ACS stated that on XXXX XXXX, 2015 {$12000.00} was deposited into my bank account electronically. 

First, no funds have been deposited into any bank account I control. Upon discovering this, I have made repeated calls and emails to ACS and XXXX XXXX for over a week. Thus far, none of them were returned. By calling the main line, however, I was able to speak with a base level customer service employee who informed me that the {$12000.00} was sent to an account with XXXX XXXX XXXX. I have no XXXX account on file with ACS, the XXXX account I once had was closed a long time ago and all references were deleted from my end of their system in XX/XX/XXXX and updated to XXXX XXXX XXXX. I do not know why ACS sent the funds to XXXX, nor do I know who currently is holding those funds, but I do not have any accounts with XXXX and can prove that fact. Consequently, no funds have been returned to me, despite XXXX XXXX 's claim that they were. 

Second, I did not authorize this transaction. In fact, when I became aware of the situation, I left XXXX XXXX a voicemail indicating that I wanted to be fully informed of the financial ramifications and how interest would be calculated prior to any action. No authorization was made. Had XXXX XXXX called me back, I likely would have refused the refund or, at the very least, informed him of the proper place to send the money. 

Third, I have repeatedly called XXXX XXXX and the Resolution service of ACS and no one has returned my calls. I have also emailed them and have received no responses. The only success I have gained is with base level customer service, but they are unable to help me and were merely able to inform me that the money was sent to XXXX XXXX XXXX. 

As it currently stands, it appears that ACS has taken {$12000.00} and it appears they have no interest in even discussing the matter with me directly. 

Surely, if this remains uncorrected it must be a violation of civil and criminal law. I ca n't imagine you can simply seize over twelve thousand dollars without any repercussions. There must be some form of fiduciary duty in play with regard to the payments that I had already made to them. I can not imagine that ACS is allowed to erase past payments without authorization, and then send that money to a random XXXX account.
Consumer complaint received 2024-10-16
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: CCF Intermediate Holdings LLC (GA)

XXXX XXXX XX/XX/XXXX did a credit report without my consent and XXXX XXXX did a credit check with my consent XX/XX/XXXX XXXX XXXX  did a credit report without my consent XX/XX/XXXX and XXXX XXXX place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX that you correct this information promptly, as these errors XXXX harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary.

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express have me listed as dead an will not take it off unless I pay the tol. bill in full they call me an said that as long as the bill is not paid they will not remove it I have talk to the XXXX credit reporting co. an they told me to contact you I`m not able to keep my job if this is not fix an can even buy a car an being told by my credit card co. that this is on my file an if I`m not the person that I`m breaking the law by using some one eles identity I am not dead American express is doing this because I cant pay what they want. 
Thank You
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I paid this debt in 2012 and it is continuing to be reported and collection attempts continue and the balance is inaccurate. I have tried disputes with the bureaus multiple times and with them requesting all the proper documentation but have not ever received anything other then my disputes are verified with no explanation or resolution.
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

I am not able to afford due to the interest rates. When I applied I was told as long as I pay on time I was good. All I pay is interest and what I pay extra goes towards the principal. I still owe so much and I cant afford it. I have called to set up arrangements with the company but they stated if I dont pay my car will be repossessed.
Consumer complaint received 2024-10-17
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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CO)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account Number : XXXX Dear Midland Credit Management , I am writing to you regarding a debt you claim I owe, which is listed under the above-referenced account number. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), and in particular, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request that you provide validation of the debt in question. 

To validate this debt, I request the following information : 1. Proof of the Original Creditor Please provide documentation that shows the full name, address, and contact information of the original creditor, as well as the full accounting of the debt. 
2. Assignment Contract Provide a copy of the assignment or transfer agreement that demonstrates your legal right to collect on this debt. I want to verify the chain of ownership to ensure that the debt was properly assigned to you for collection. 
3. Account Balance and Breakdown Please provide a detailed breakdown of the current balance of this debt, including the amount of the original debt, interest, fees, and any other charges that have been added to the account. 
4. Applicable Statutes and Verification Please confirm the legal basis under which this debt can be collected and provide references to the specific state or federal laws governing this collection, including the statute of limitations applicable to the debt. 
5. Verification of Reporting to Credit Bureaus Confirm whether this debt has been reported to any credit reporting agencies. If so, provide the dates it was reported and to which agencies. Under the FCRA, 15 U.S.C. 1681, inaccurate or unverifiable information must be corrected or removed. 

Until this debt is validated as per my rights under federal law, I request that you cease all collection activity, including reporting this debt to any credit reporting agencies. 

Please note that I will only communicate further about this matter in writing. Additionally, if you can not provide the documentation requested, you are required to cease collection activities and remove any negative credit reporting associated with this debt. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter, as required by law.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (GA)

Upon reviewing my credit report, I discovered the following unauthorized inquires XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian CREDIT TECHNOLOGY Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXXXXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX I did not apply for credit or authorize these companies to check my credit report. These inquires were made without my consent, in violation of the Fair Credit Reporting. I am requesting immediate removal of these fraudulent inquires from my credit reports.