davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Control Technology, Inc. (FL)

This company and I could not reach an agreement for settlement as they are asking for too much money all at once. On XXXX XXXX, 2017 they told me the offers and I was to discuss with my wife. They said at this point if we can not reach an agreement that they are going to give the debt back to the state of Arizona and they would be finished with it. They were to call me back on XXXX XXXX, 2017 after speaking with my wife. When XXXX called back I informed him we could not meet their demands and to go ahead and give it back to Arizona and I do not want to hear from you or your company anymore or I will take legal action! Today on XXXX XXXX, 2017 they called my place of employment. I am ready to move forward with legal action if they ever call my place of employment or myself or family!
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

They have barraged me with constant threats- via mail each letter more sinister than the last. XXXX have not contacted concerning a resolution of the reported credit card debt I tried to reach them constantly. 

Meanwhile, Midland Credit Management has been ruthless with its lies, and methods of collections- Damaging my credit. I wanted to speak with a XXXX ref I could not get through over a year ago XX/XX/year>. They next just made it a charge off. With bad stuff on my credit report for years. As Midland Credit Management send me threatening notices with a supposed repayment schedule that I should remit to them at least once a week.
Consumer complaint received 2022-10-25
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account number XXXX XXXX : XXXXXXXX XXXXXXXX Account number XXXX XXXX : SanTander Comsumer Usa Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX XXXX  Account number XXXX XXXX : XXXX  Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

Afni {$240.00} At t original creditor Afni {$880.00} XXXX original creditor Both accounts are fraudulent and were never obtained by me XXXX XXXX XXXX {$56.00} original creditor XXXX XXXX XXXX Never owned an account through XXXX XXXX XXXX. debt is not mine.
Consumer complaint received 2024-08-30
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. (GA)

My account withthose creditors was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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
Consumer complaint received 2017-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

U > S > bank mortgage insurance department refuses to drop our mortgage insurance payment even though our original loan statement said it would end in 103 months which would be XX/XX/XXXX ... we have never missed a payment or been late and now have a 20 % loan to value ... .they claim we have to pay it until XX/XX/XXXX.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OK)

VALIDATION AND CEASE AND DESIST Midland Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Midland Credit XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. 
I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named XXXX XXXX XXXX in XXXX California. I have called to Experian and disputed the information. I also placed a call to XXXX XXXX XXXX on Monday the XX/XX/XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

We deposited a mobile deposit check on XX/XX/22 for XXXX from a magistrate on XX/XX/22 it was taken out of my account from Wells Fargo stating it was a duplicate deposit with XXXX  XXXX I contacted XXXX  XXXX and it did not process because it was already cashed through Wells Fargo Ive done XXXX disputes and they continue to close them I want my money back the magistrate confirmed Wells Fargo did indeed cash this and they have the money
Consumer complaint received 2022-10-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has failed to properly investigate and resolve my claim for wire fraud. I was victim on fraud in the amount of {$18000.00} on XX/XX/2022 and reported it within minutes of it happening. They failed to recall the money until two days later, properly identify me, contact me for approval, provide any details on the investigation, return numerous calls and requests to speak with the investigator, provide rights to documentation after waiting the full 30 days to process, provide an IP Address from which the transfer was made and ultimately failed to provide proper security of my accounts. They did send a letter declining the claim but it was address to the wrong person and had several other errors on it. I do not believe this was handled correctly and wish to hold them responsible. I have spent the last five months trying to gain a proper resolution with them with absolutely no luck.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I only use my credit card to pay my bills online to the utility companies, XXXX or other reputable companies. 
The card never leaves my purse, except when I buy gas. 
I put it into the pump. There has to have been a skimmer or a shimmer in the pump. A thief stole my info and charged phone calls to another thief at a prison. 
Capital One cancelled the card and is doing an investigation. 
I have 2 complaints : 1 ) I asked multiple people at Capital One if they use the XXXX XXXX for their chips in the cards. XXXX is another layer of protection that prevents copying the info on my magnetic strip. 
No one could answer me. UNACCEPTABLE! 
I want to know if Capital One uses XXXX. 
If not, why? 
This sounds like a class action law suit. I will be contacting a lawyer. 
2 ) When I gave the Fraud dept my landline phone # Capital One 's system could not identify it. I opened the account with that phone #. I then gave them my cell phone #. It too could not be identified. Now I have to wait XXXX week for them to verify my ID info that I submitted and another week to get my new card. 
I'm being penalized for a thief who stole my money. 
UNACCEPTABLE!
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron Equifax itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX  AND XXXX of 2017.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (OH)

Hello, When I received this debt, i requested a debt validation. The amount of this debt was under XXXX. 

The collection agency has inflated the amount of the claim and is reporting in correct balances. I wrote a written request equifax some time ago, however I received an automated response no real research was done. 

CHOICE RECOVERY INC Last reported XX/XX/XXXX {$710.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-12
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: Village Capital & Investment LLC (GA)

My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC. I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, XXXX claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, XXXX, with all three credit reporting agencies for them and those hard inquires have not been removed.
Consumer complaint received 2017-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There is a credit card charge off on my credit report that I have attempted to get validation through XXXX and XXXX and have not received anything. I sent a letter asking them to validate the debt they are stating is mine on the credit report. I wanted them to send me proof of the debt and who validated it or verified that it was my debt. I sent the letter to them on XX/XX/XXXX and the only thing I received from the two credit bureaus was that it was verified and that it was my debt. I never received anything with verification or validation of the debt. I do not remember having an account with Capital One in XXXX and I am willing to take a look at whatever it is they have to verify that it is my debt in order to pay the amount they have of {$1200.00}. I know through research that they have 30 days to validate the debt and send the information I requested, but it has been more than that and I never received a thing. I would like them to remove this debt off of my credit report since they did not do what the law states they should have done.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (IL)

On Tuesday XX/XX/year> at approximately XXXX XXXX the XXXX XXXX XXXX XXXX Department came to my place of residence and gave me paperwork on behalf of Midland Credit Management.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX XXXX Dear, SEZZLE INC I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNT NAME : SEZZLE INC ACCOUNT # XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX is, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own
Consumer complaint received 2017-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

On XXXX XXXX, 2017 I received a letter from National Credit System , Inc stating that the account with a balance of {$1300.00} is owed by me, I know of no such account and I owe no such amount. I 've tried to disputed the account with the collection agency to rectify this issue and they are still reporting this ridiculous information and damaging my credit on all 3 credit bureau. Apparently this is some sort of leasing agreement which I have no knowledge of or ever resided at. Along with that they sent me documents with a signature that is clearly not mine. This is not my dept and I will not be compelled and I refuse to send them any documents or identification.
Consumer complaint received 2024-08-27
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. (WA)

All three credit reporting agencies are reporting two different addresses that are not mine. One is in XXXX XXXX. XXXX is in XXXX XXXX. This was identity theft happened several years ago. I was told to file bankruptcy to get rid of all that well. The addresses are still showing on my credit report I would like them removed. They cant remove them until I file a complaint with you, can you please help me?