davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NJ)

i have not been able to get the free annual credit report fromEquifax and have not been able to contact them via phonebecause the number they list on their website connects toXXXX conferencing. I have a freeze on my account butwhen you attempt to submit an online request for thereport there is no place to insert the pin # thereby initiating anautomatic request to fill out and send in a hard copy form whichcontains personal information which I do n't want to disclose in thismanner for obvious reasons. Additionally, the automated phonesystem has no option to connect you with a customer service rep. 
I have not received the free annual report since 2013. I obtainedtheir actual phone number from the consumer action handbooknot their website as would be expected
Consumer complaint received 2015-07-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (GA)

Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.
Consumer complaint received 2015-04-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CO)

My husband is in the United States XXXX XXXX XXXX and with the budget issues last XXXX, his pay was frozen and we became behind in our mortgage payments. We called to try to work something out and we were told that we needed to pay, and that we should just borrow the money from someone. Finally some money from the XXXX XXXX started to come in ( we were 2.5 months XXXX at this time ). We called to make a payment and they stated that we needed to make XXXX payments ( which was a completely different story from when I had called a week earlier ) and they would not accept just XXXX payment. Luckily, we were able to borrow some money from a family member and made the 2 month payments. Once we made this payment, they sent us a letter saying that they would no longer accept payments from our bank, that we needed to send in a money order, cashier 's check or pay by XXXX XXXX. Both of us work full time ( XXXX - XXXX ) so getting to a bank during normal business hours is near impossible. So far I have sent XXXX payments via XXXX XXXX ( costing us a fee, of course ) and that was a painful process ( they can never find the correct business to send it to ). Today, I tried to make a payment and they could not find the business to send it to, we also had a friend who wanted to call and make a payment on our behalf and would not allow her to pay over the phone. This company is making it VERY difficult to make a payment, it is almost like they want us to default on our loan so they can take our home.
Consumer complaint received 2015-10-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

i have been fighting for over year to find the law enforcement agency that enforces these laws, and this is not the first time i have written you. 
this will be the last, letter i write searching for just, and you can do like the XXXX outside my home and find the rest of the story or make up the rest like they doa conversation with the F.B.I. 
still no answers or call backhttps : XXXX is a letter from a brief i sent to then Attorney General XXXX XXXX. 
all consumer issues, and back story of state XXXX actionsXXXX XXXX
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

Re : Sears Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank made a deal to make $ XXXX monthly but they do n't send any statement to show how much owing and to send payment. Instead I am supposed to call XXXX XXXX XXXX, but when I call at least two or three robo phones scrutinize a/c number, ss number and then call goes to XXXX, spending there 10 minutes, and then call comes back to USA. You have to repeat all your info at least 3 or four times, wasting one hour. Citibank should send me statement every month and give me a chance to mail check to them.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2015-03-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (MT)

I borrowed {$10000.00} on XXXX XXXX, 2013 from Western Sky Financial. They then charged a {$75.00} doc fee out of the loan amount. Then I made payments of {$740.00} for 15 months and borrowed money from my mother to payoff the loan, the payoff was {$10000.00}. I made XXXX payments and the payoff was still more than the original loan. The interest was 89.68 % if the loan had been paid in full the total amount would have been {$62000.00}. I was just informed that Western Sky has been sued for this exact type of loan in multiple states claiming the interest rates far exceed many state and federal interest rates.
Consumer complaint received 2015-10-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (NY)

I have requested a validation of debt from Midland Funding with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AZ)

My rights were violated by XXXX XXXX XXXX XXXXXXXX, they are reporting incorrect information that has damaged my credit and impacted my family/business. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **To : ** Portfolio Recovery Associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following information as validation : 1. **Proof of the Original Contract** : A copy of the original signed contract or agreement that bears my wet ink signature, showing that I entered into an agreement with Portfolio Recovery Associate. Without this, I have no legal obligation to recognize this debt. 

2. **Verification of the Amount Owed** : An itemized accounting of the amount claimed, including any interest, fees, or other charges applied to the original amount. 

3. **Proof of Authority** : If you are not the original creditor, provide documentation showing your authority to collect on this alleged debt, including any chain of title or transfer of ownership. 

4. **Verification of Identity and Address** : Confirm that you are attempting to collect from the correct individual by providing information verifying my identity as associated with this debt.

Please be advised that until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies. Any attempt to collect or report this debt without proper validation may be considered a violation of the FDCPA and could subject your organization to legal action. 

I request that you respond to this request within 30 days of receipt. If you can not validate the debt as outlined above, I expect this matter to be closed and any negative marks on my credit report removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OR)

I called to see how much money was in my bank and found it was garnished by Asset Acceptance. They claim I owe on a debt that I already paid to XXXX XXXX, attorney in Oregon. I paid this off XX/XX/XXXX. Apparently there was a judgment for this paid off debt XX/XX/XXXX. I called XXXX 's office and they sent all the paperwork to Asset acceptance, who just garnished my checking account. I originally called XXXX in XX/XX/XXXX to see if I was making my last payment when I was told the account was transferred back to Asset Acceptance and was given the number. I called to make sure that was my last payment and was told I was not showing as owing anymore. Fast forward to today, I had XXXX garnished from my bank account and I am told I had a judgment and I still owe the full amount. My husband had to deal with this same company last year when they called everyone in the family and claimed to be a law firm ready to take our home, harassed the family and his work, for a debt he already paid. He got the money they took back but it took a month. How are they still in business and how can I fight this? I had no notice, nor contact with this company, so how are they able to garnish my account for something I do not owe? Please help!! How do I stop this. I talked to the attorneys doing the garnishment and notified XXXX 's office, but they said they sent all the copies to asset acceptance.
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Filing & Reporting, Inc. (TN)

XXXX XXXX States that original company did n't receive payment but could n't state original company. States we have to pay this loan or legal action will be taken against us. She states that I signed up for this account XX/XX/2007 I do n't have any recollection of this.
Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

back in 2013 hired lawyer to help with my mortgage co. they were claiming me ( home ) as a trustee sale ( as of I paid my mortgage on time and certified usps just to make sure my paymants made it safely. I hired XXXX XXXX XXXX in XXXX XXXX, ca they made me claim bankruptcy and took my case I told them i was XXXX XXXX in my family and budget tight he charged {$5000.00} plus {$850.00} bankruptcy and said it would take 60 to 90 days but was not resolved mortgage co agreed with law firm but I did not because they were carging me with foreclosure fees. so lawyer advised to not pay until resolved and it was not now mortgage co which is now different co. is foreclosing me
Consumer complaint received 2015-10-03
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Kramer & Frank, P.C. (MO)

Certified letter sent to Kramer & Frank on XXXX/XXXX/15, signed for on XXXX/XXXX/15 requesting validation of debt and to cease all phone communication. Requested communication of this matter to only be in writing at my address. Received telephone call from Kramer & Frank on XXXX/XXXX/15 violating my request to only contact me via mail.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (NY)

Spring Oaks Capital , LLC ( Debt Collector ) violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine. 

SPRING OAKS CAPITAL , LLC has failed and or refused to represent the required and requested legal receipt from the original creditor displaying the specific account it claim to now be the rightful owner of, terms and conditions, my rights as a consumer, date purchased and alledged exact amount in questioned. Along with New York State consumer affairs number that indicate it posses the legal right to attempt to collect a debt from a New York resident.
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: JH Portfolio Debt Equities, LLC (TX)

This company keeps calling my residence asking to speak to XXXX XXXX. I have informed them on multiple locations that they have the wrong number and to not call my residence again. They still continue to call. I do not know a XXXX XXXX and she does not live at this residence.
Consumer complaint received 2015-10-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Law Office of J.A. Cambece (MA)

My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2016-02-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ERC (TX)

This collection agency is calling my employer and telling them I need to call them or they will arrange some sort of wage garnishment. I have called them back and learned that the date of birth and social security number they have do not match mine. They just have my first and last name and only my employer phone number which is easy to find since I am on google and am a professional in the community. I have had contact with them 3 times and each time have told them their information does not match mine and they are looking for the wrong person. I have told them to stop calling my employer and they have proceeded to call and continue to fish for information from the business office at my employer. I owe no debt and have an immaculate credit record and score and also a common name and I should not be subjected to harassment from a company that clearly has the wrong information.
Consumer complaint received 2015-10-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, I was charged the annual fee of {$95.00} for my Citibank XXXX XXXX Mastercard. On XXXX XXXX, I was informed by Citibank that they were closing all of my credit card accounts against my wishes. The only reason that they gave for closing my accounts was that they no longer wished to do business with me. I contacted Citibank to have the annual fee refunded and they refused. If my account had not been closed by Citibank, I would have had XXXX days after the posting of the annual fee in which to close the account myself and not pay the annual fee.