davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
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. (PA)

I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by Midland Funding LLC/XXXX XXXX XXXX regarding a credit card account that was filed in Philadelphia Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX  XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the Philadelphia Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & Midland Funding LLC via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from XXXX XXXX and XXXX regarding in XXXX as referenced in Midlands letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to XXXX XXXX XXXX and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with Midland if XXXX XXXX XXXX does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call XXXX XXXX XXXX as I would like to establish an arrangement as soon as possible. Please Advise.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (KY)

My problem is with XXXX XXXX handling my XXXX income direct deposits. Ive had the account for 3 years and havent had to report any errors. In XXXX my card was used with out my concent spending aprox {$440.00} dollars by the XXXX of the month. I made contact with XXXX XXXX to dispute the transactions. XXXX XXXX made 2 suggestions to complete the dispute request 1 via postal mail after signing their documents & the other my own document explaining my reasons in detail to my knowledge of the occurance. I have called multiple times and am advised that my faxed documents sent 2 times via fax have not been located or received. 1 by mail that also has not been located or recieved. Here its XX/XX/2019 and the disputes have been closed and not satisfied. This is odd being there was never additional attempts to contact me or allow other options to be sure my money is returned. The reps just seem to quick to not wan na rectafy the disputes in my favor. Please assist.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (UT)

I made a purchase on American Express credit card for {$9000.00} to XXXX. The total amount paid to XXXX  was {$31000.00}. 0n XX/XX/XXXX for a service that was not rendered. I contacted XXXX about the problem on services not being met XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I was just ignored about the problem of services not being met. They promised me certain outlined items they would do for me and a guarantee if I did certain outlined items they would stick with me until I made my money back. The company XXXX was finally shut down on XX/XX/XXXX by the Minesota FTC because the company was a scam. The government froze all their assets. 

I have sent paperwork, invoices, contract, guarantee and multiple items of paperwork to American Express credit card company. A gal from the executive office said she would review the case and send me a letter explaining everything. I received letter, but nothing was explained. It was just a generic letter telling me no details. Why should I have to pay back money for services promised to me that were not met when I met all their conditions? I spoke and left messages with the executive office. They said they would resolve it in a fair matter to me. XXXX amount credited to my account is not fair. 

When I last spoke to American Express dispute department they said they were waiting to here back from the merchant XXXX. The owner will never respond, the FTC has shut her business down and frozen all her assets.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

opened an account with Capital One with offer code XXXX -- the terms was to deposit at least {$50000.00} in new money, with NO cumulative balance required ( copy of terms attached ). I fulfilled this requirement, and confirmed with Capital One representatives that I had completed the requirements. The representative confirmed, and told me I just needed to wait 60 days from completion and the offer would be posted ( confirmation attached ). I have not received the bonus payment even after the required wait period.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (MO)

On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from Caliber Home Loans. XXXX started collecting my payment since XX/XX/XXXX. On or around XX/XX/XXXX I called into experian to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open Caliber Homes Loans have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and XXXX.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, Transunion and XXXX follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Consumer complaint received 2018-06-01
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: AES/PHEAA (WA)

My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXX thru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with Equifax, XXXX  and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, Equifax and XXXX is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.
Consumer complaint received 2018-04-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (MA)

My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections
Consumer complaint received 2019-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Grant Mercantile Agency (MD)

I was supposedly charged by an ambulance company in XXXX CA. I never received any correspondence from a company called Grant Mercantile, XXXX. XXXX XXXX, XXXX, CA XXXX, who evidently was charged with the collection. I have never received a bill or charge from either company. I have not received anything ever from either company. Now I am trying to obtain a mortgage and this supposed debt is causing my stellar credit rating to be substandard. I have spoke numerous times today with a rep named XXXX. The last time I spoke with her today, she told me the computer was shut down, she could not speak with me. She said the office closed, that here computer was shut down, and the office lights were shut off. This was at XXXX PST. If you dont know what time that it, its XXXXPST. 

I was on the phone with my mortgage broker. It was infuriating. That this company, Grant Merchantile, can actually ruin a credit history I have spent a LIFETIME to keep pristine, and ALWAYS above 800, is insulting, and criminal. 
I would appreciate a call ASAP. This is unacceptable, and their license should be revoked. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX
Consumer complaint received 2019-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (AL)

We were notified by XXXX XXXX of the problem. We have no knowledge of the debt who the company was or the amount. We contacted XXXX and they were unable to help. The company XXXX XXXX XXXX is under investigation in Texas for trying to make people pay debts they never incurred. We have filed with the XXXX XXXX XXXX in Texas and lodged a complaint. We have never had an unpaid debt .others need to take up the fight against this unscrupulous company XXXX XXXX in XXXX texas . There are no supporting documents because the loan never existed
Consumer complaint received 2018-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX I disputed a ch XXXX bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. Equifax had 30 days to do so upon request in the dispute Equifax removed the public record because they could not verify the accuracy of the information. As of XX/XX/XXXX there weas no record of the bankruptcy on my credit file. As of XX/XX/XXXX the information has / reinserted/reappeared on my Equifax credit report stating XXXX XXXX is the furnisher of the public record 3rd party vendor of the public record and not the court. I called Equifax XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy wasXX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy wasXX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding Equifax did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
Consumer complaint received 2019-01-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am formally submitting a request for the removal of an inaccurate public record of a Chapter 7 bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
Consumer complaint received 2019-01-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (SD)

On XX/XX/XXXX a letter was sent out by XXXX XXXX XXXX XXXX XXXX on behalf of Navient. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like Navient to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from Navient to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with XXXX, TransUnion and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, XXXX and TransUnion is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I was in XXXX on a business trip and went to an establishment called XXXX XXXX on XX/XX/XXXX. While I was at this club, I realized that I no longer had possession of my wallet. I looked frantically for my wallet before asking a waitress if she had seen it, she acted as though she didn't understand me. I then found the manager and asked him if anyone had turned in a wallet. He acted like he didn't understand the question, but eventually told me no wallet had been turned in. I returned to the table to find my wallet sitting in a spot that I would have noticed when I was looking, but was just relieved to find it. Upon leaving the establishment, I tried to pay for a taxi, and was told the card was declined. I checked my bank account online and realized that someone had, in multiple transactions, taken more than 6000.00 from my checking account via debit card transactions. I went back to the club to confront the manager, but he acted like nothing had happened told me that he was closing. After getting nowhere with the merchant, I contacted Huntington National Bank  customer service to dispute the transactions as fraudulent. I told them that I didn't have my wallet for an extended period of time, and that I did not authorize these charges. I said to look back in my 7 year history as customer to see that spending XXXX in a night is not something I do. I asked why my card didn't stop working to prevent further activity once I hit a certain dollar amount, and I explained that it was a foreign country. To this point, my bank has said that since the card was swiped that they will not refund the money. I am going to be unable to pay my mortgage or other household bills due to all of my liquid money being taken from me in a few short hours. I need to have this money back to take care of my family. Please help. 

Here are the transactions which all occurred in the early morning of XX/XX/18 : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX This was all of my liquid funds. I have never had anything like this happen to me before in 7 years with Huntington Bank. I was robbed, and up to this point, I have been treated as though I am trying to scam Huntington Bank. Again, Please Help!