davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This company XXXX XXXX XXXX has been calling and emailing about a made up debt that I do not owe. I have NO outstanding DEBT. I do not know if this is some identity theft group of criminals or simply a 100 % pure Scam as this company has thousands of hits saying it's a scam organization and a few years ago it was sued and banned form debt collection by the Federal Trade Commission for this very thing. They called my office and repeatedly attempted to verify who I was and would not give me any info as to who they are. They call my cell phone under various out of state numbers but leave no information. I have Zero credit card debt, loan debt, payday loan nonsense, no medical bill debt, outstanding charges on ANY credit card, or ANY debt from ANY unpaid bill. I resolved a bill in it's entirety - for which I have documentation - for my ex-husbands home owner 's association in XX/XX/XXXX and there was a debt collector that got my info as the bill had been overlooked in the divorce. I assume that is how these people targeted me for this scam. Please advise.Thank you.
Consumer complaint received 2018-03-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHALLENGE FINANCIAL SERVICES (CA)

On XX/XX/XXXX, XXXX from Challenge Financial Services called my place of employment regarding a car payment. I provide XXXX XXXX, I explained to XXXX his calling interrupts and delays the delivery of XXXX XXXX. I informed XXXX, which he is well aware, I am within the grace period and it is inappropriate to call my employer regarding a car payment, and to cease any phone calls to my place of employment. On XX/XX/XXXX, at approximately XXXX, XXXX called my job again, after being told not to do so. I informed XXXX of the previous email I sent him to cease calling my place of employment for a car payment, which is within the grace period. I am no more than 10 days late paying the car payment, which is due to my pay dates, and also XXXX was made aware of this.
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I asked for a copy of the agreement or contract that has my signature on it that authorizes the bank to collect this debt. Under the FDCPA I have the right to have my alleged debt validated. They did not provide me with that information and it has been over 45 days or more. This Debt is not mine and should be removed from my credit.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX  XXXX  XXXX BALANCED {$590.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXX BALANCED {$420.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$5300.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am seeking your help regarding the incorrect account appearing on my credit report. This concern has impacted my reputation as a customer, and Im requesting your assistance. Please ensure these accounts are removed as they are inaccurately and negatively affecting my report.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RS Clark and Associates, Inc. (TX)

I have asked RS Clark and Associate to remove this from my credit report back in XX/XX/2014. I never got a respond back from RS Clark Associate. Original Balance {$53.00} and Highest {$0.00} Balance.And Status : Chapter XXXX Bankruptcy Dismissed. It's need to be removed from my credit reports.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX, Acct Number XXXX, bal. {$1100.00} XXXX XXXX, Acct Number XXXX, bal. {$970.00} XXXX XXXX, Acct Number XXXX, bal. {$500.00} XXXX, Acct Number XXXX, bal. {$2000.00}
Consumer complaint received 2017-06-19
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. (NC)

XXXX XXXX XXXX is reporting on my credit reports after it was agreed upon to pay and delete. This debt was paid in 2016 and still showing on my credit reports.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have been dealing with Experian since XX/XX/XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XX/XX/XXXX asking then to remove inaccurate information in which Experian came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XX/XX/XXXX asking if Experian and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to Experian and to the additional credit bureau 's asking them to remove the information off of my credit report. Experian sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. EXPERIAN never verified the information and they do not want to do there job as to removing inaccurate information.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (GA)

I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

I received notice in XX/XX/XXXX from XXXX County, Maryland that my taxes were not paid for the end of year XXXX. The amount due was {$1300.00} with interest if paid in XXXX of XXXX. I first went to the website and emailed them about the issue and have still never received any return email from them on the issue. I called my mortgage servicer ( Loancare ) during the first week of XX/XX/XXXX to see what the problem was. They were not able to give me much information, but gave me a fax number XXXX XXXX ) to fax the bill in to their Escrow department for payment. I faxed the tax bill to them on XX/XX/XXXX and called about 5 days later to confirm they received the bill for payment. They acknowledged receiving the bill and said it would be paid by XX/XX/XXXX. When it was not paid by XX/XX/XXXX, I called by and spoke to XXXX ( ID # XXXX ) and he escalated the issue and said it should be paid within 48 hours. I called back on XX/XX/XXXX and was on hold for about 20 minutes before being hung up on. I called back and spoke to a customer service supervisor name XXXX ( ID # XXXX ) and explained my situation to her. She wasn't sure why it hadn't been paid and she needed to speak to the Escrow department, but said they don't take incoming calls, so she needed to email them and wait for response. She said she would call me back the following day. As of XX/XX/XXXX, I have not received a call back on the issue.
Consumer complaint received 2024-10-08
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. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio collection agency started contacted m e in 2015 from a   XXXX   XXXX   I had at one point. The original creditor and this agency is trying to collect on the same debt. It is reporting to all   XXXX   bureaus in the amount of {$620.00}. I do not owe this company, and have no idea who they are. I asked for validation and not verification of this alleged debt. I have no contract with this company and do not owe them. The bureaus have failed to validate any info that I asked for.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/, there was an unauthorized {$500.00} transfer out of the joint account both my wife and I share. The bank sent my wife an automated Daily Account Summary Alert at XXXX XXXX. My wife, upon reviewing the email while at work, called chase at around XXXX XXXX. When calling Chase, they told her we should buy a service they sell that better secures our accounts. After several questions, and insinuations alleging she was lying, and that we " just forgot '' we sent the transfer, she were able to file a claim. They said they would investigate the claim, they froze all withdraws from that account, locked my wife out of her online account, and recommended we close the compromised account. Which we did together that afternoon. After several days of not hearing back from them, my wife called them again on XX/XX/XXXX. They then told her the claim was denied and would remain closed. Unless we could somehow prove to them it was fraud. I told them that we did not authorize the transfer, we do not know the person it went to, and then asked if they even bother to try to contact the person that received the money. They told me that they do not contact the other person and that all the burden of proof now lies on us.
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

This is another complaint concerning Freedom Mortgage Co. XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX. The Customer Service representative I called today, XXXX Employee # XXXX, told me he could not provide me with anyone with authority such as a supervisor so that I may seek assistance from regarding the discrepancy in my Mortgage Statements for the monthXX/XX/XXXX- XX/XX/XXXX If a customer can not get assistance from a mortgage servicing company, or obtain the full name and contact # for someone in a position of authority to answer questions relating to her mortgage loan, how can this be legal? Can a private mortgage company deny its customers of the name of employees, supervisors, higher-ups who will be able to answer questions and be accountable for the mortgage accounts of their customers. Despite numerous requests to speak to and obtain the name and employee ID of any supervisor, XXXX Employee ID XXXX, said he is not allowed to disclose that information. 

I have a 30 yr fixed rate mortgage in which I pay {$1400.00} a month to Freedom Mortgage. My loan number ends in XXXX. I am not in default, have not been late on a single payment. 

On XX/XX/XXXX, I mailed, with a letter of instruction, a {$1000.00} extra payment to curtail my principal. Freedom Mortgage, on its own, set this money aside in an Unapplied Funds account for 2 weeks. I called on XX/XX/XXXX and spoke to a " XXXX '' concerning this extra mortgage curtail funds but did not get a satisfactory response. On XX/XX/XXXX, I called again and spoke with " XXXX '' who told me that my funds will post the correct account on XX/XX/XXXX. This has been an ongoing problem with Freedom Mortgage. 

Today, XX/XX/XXXX I called to request a free-of-charge Mortgage payment history from Freedom. I am told by XXXX that there is a discrepancy in the balance after my {$1000.00} curtailment. This has been an ongoing issue with Freedom not being very transparent about its employees and who is in charge and accountable for their clients. 

I would like to get intervention from CFPB.
Consumer complaint received 2017-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NC)

I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.
Consumer complaint received 2017-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My wife and I have had a XXXX XXXX / XXXX XXXX since @ XX/XX/XXXX. We were told that we had a rewards program, which is why we chose this card, that would build earnings toward the purchase of a new XXXX vehicle. Every month, on our statement, the earning total is printed. We have been watching this grow since @ XX/XX/XXXX. On our last XXXX XXXX XXXX XXXX XXXX Account statement we had {$10000.00} in earnings. We are senior citizens on a fixed income and were looking forward to buying our LAST new car. We went to our local XXXX dealer with the expectation of cashing in our earnings from the last 15 years. Even though our earnings were printed on our statements for the last 15 years, which we have, the dealer and XXXX XXXX / XXXX told us we can get only {$1000.00}. ( XXXX XXXX ) toward a new car. This is wrong. This is fraud. They tell us on every months statement that we have $ XXXX, but in fact, they tell us we can use only XXXX. This is WRONG! Please help us. In addition, please change the rules so that people like us will not be taken advantage of.
Consumer complaint received 2017-06-18
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. (AR)

In  XXXX   2015  I owed a debt to the   XXXX    XXXX  in the amount of {$620.00}. In  2015  they took the amount owed from my personal taxes for the full amount. Its currently still reporting on Equifax under public records, after several disputes with them. If needed I can get a printout from the workforce for proof of payment.
Consumer complaint received 2017-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

My name is XXXX XXXX and I am a XXXX XXXX. I am attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX ) Program and expect to graduate in XXXX of 2018. I currently have a balance of roughly {$240000.00} in federal student loans ( comprised of direct and FFEL loans ) with XXXX XXXX XXXX Account Number : XXXX. Some of these student loans are in " deferred '' status and some of the loans are in an " in-school '' status. I would like to begin repaying the entire balance of my student loans with Fed Loan Servicing. As a result, I submitted an Income Driven Repayment request through StudentAid.Gov. I contacted Fed Loan Servicing today and was told they received my Income Driven Repayment Request but can not process my request since I am in an " in-school '' status. In addition, I was told I can only repay my loans at this time with a " deferred '' status and that I can not begin repaying any of my loans that are in an in-school status because the " grace '' period on these loans has not been satisfied. I find it unacceptable that I can not begin repaying on the entire balance of my Fed Loan Servicing loans with an Income driven repayment plan because of an " in-school '' status. As a result, I feel as if I am being discriminated against since I am a student. As you are aware, interest continues to accrue on my student loans while I remain in school. In addition, Fed Loan Servicing is refusing to provide me with a letter which states the current payment on the balance of my loans with Fed Loan Servicing when the lowest Income Driven Payment plan that I would qualify for is applied against my loan balance. This letter is required by a current lender and is necessary to be approved for financing. As a result, I am requesting your assistance with these matters as Fed Loan Servicing is refusing to assist me with my requests. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-11-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

I received an email today XX/XX/XXXX from a XXXX XXXX saying I was due in court on Friday to pay a bill or else the judge would decide for me. It said to fill in my zip code in a box on the email and it would give me the court to go to. It gave me a list of Federal courts. I emailed him back and asked him what it was about. XXXX, this payday loan place, said I owed them XXXX dollars. 

I have never had a payday loan. I wrote back by email and said he should check his accounts. I said I would contact an attorney. Well, it is election day tomorrow and my attorney is out campaigning. 

This is an awful thing to do to a XXXX year old lady. I have never even gotten a notice about the loan. How can anyone take anyone to court or threaten taking anyone to court without telling them well enough in advance? I thought you had to have a supoena.
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company is trying to collect {$1600.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.