davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (FL)

For the past two years I have been treated unfairly by a debt collection company named Lockhart, Morris and Montgomery. Initial contact started in XX/XX/XXXX for an account that was closed out back in XX/XX/XXXX. I explained to the company that it would take time to find the documentation showing I cancelled before the 10 day grace period listed in my contract. I did ask for the original creditor 's information because I tried reaching out via email to the person who contacted me via email with the contract, as I replied to their email to cancel back in XX/XX/XXXX, fast forward to XX/XX/XXXX that email address is not working, the debt collector would not give me any contact information. So when I produced the documentation showing I cancelled in XX/XX/XXXX ( and received a reply from the company acknowledging receipt ) a male representative at LMM ( would not give his name ) told me that I did not provide the right type of cancellation (? ) and he still considered the debt valid and would not removed it from my credit report. In addition, I was told by LMM that they have the right to pursue the debt regardless of any cancellation proof I produce. I questioned LMM if I was delinquent, wouldn't the original creditor have posted the account on my credit report back in XX/XX/XXXX? There was never any filing of such an account. Then I said well if you are posting this account as a valid debt ( which it is not ) why did you reage the account to XX/XX/XXXX versus the original XX/XX/XXXX date? The male representative stated they are able to post as of the date they received and it's not consdiered reaging (? ) I have recently found the company, as it went out of business and now it's renamed ... ironically I found the company on the XXXX XXXX XXXX  's website and the company has issue with contract issuance, misrepresenting themselves as XXXX & other companies, as well as unfair billing practices. I emailed the company ( need everything in writing with these shady characters ) and I have yet to receive a response, the company has a 2 star rating on XXXX and a D+ rating on the XXXX  website most of the complaints are for being unethical. Please help, report a debt that does not exist is illegal, unfair and deceptive collection practices is illegal, reaging an account is illegal, not honoring a cancellation request and trying to collect on it 3 years later is illegal!
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX of XXXX Midland funding llc placed a collections on my credit report for {$870.00}. After calling them I found out that this debt is from an account opened in XXXX. this debt, to the best of my knowledge, because it was 10 years ago, was paid. I have not received any collections from anyone else about this debt in 10 years. I also know that this card could not have been opened for more than XXXX dollars. I was under the impression that a company could not put collections on your credit account after 7 years.
Consumer complaint received 2019-11-12
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-19
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: BARCLAYS BANK DELAWARE (SC)

I signed up for an UBER Visa Card from Barklays about 2 years ago. I opened the card solely due to the attractive cash back the card offered. Recently I was notified by Barklays that the rewards would be changing, and would only be redeemable via UBER Cash. I believe this is a bait-and-switch. I would never had opened up a credit card if i knew the rewards were only good for UBER Cash. Now I am stuck with this card, and I am afraid to close it due to negative impacts on my credit score.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (GA)

I have a gift card for {$100.00} dollars from American Express. Funds expired so I called the company to re-issue the card. The representative that I spoke said that they could not re-issue a new card being that the agreement didn't allow for the funds to be re-issued. I asked for a copy of the agreement. The representative directed me to the following : XXXX XXXX   XXXX I read the following section to the representative : Escheatment : Under certain states laws, if the Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as unclaimed property ; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.

Representative, refused even after I directed him to this section so I requested to speak to a manager. I explained the same situacion to the manager which after I tried to explain the manager hang up the phone. I tried several other times and my call was not taken. 

It amazes me that even after the representative directed me to the card agreement - they chose which parts of the agreements they decided to honor.
Consumer complaint received 2019-11-13
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. (VA)

I had a credit card account with XXXX  XXXX XXXX ending in XXXX. In XX/XX/2019 I made a purchase from XXXX using this account. I returned the item to the seller and they promised to refund the total amount owed. I later learned that they did not refund the entire balance leaving an amount of {$4.00}. I did not discover this immediately since XXXX XXXX XXXX enrolled me in paperless statements which I did not authorize. When I found out about the balance I contacted XXXX XXXX XXXX to dispute it by that time the interest brought the account total to {$15.00}. They sent me a letter stating that they found the dispute in my favor but they failed to credit me for all of the interest charges accruing despite promising to do so in the letter ( copy attached ). They also erroneously reported my account as late to all credit bureaus for the months of XXXX 2019 and subsequently as a charge off. If this dispute was found in my favor then all of this is in fact erroneous. They have updated the balance to XXXX  with all of the credit bureaus but have not removed the late payments. I made many calls to XXXX  XXXX XXXX to ask them to fix this to no avail. I will note that I have always paid this account on time and I am asking for these errors to be removed. This account should show no late payments for any month and it should be reported as closed by consumer. I am asking that XXXX, XXXX XXXX and Equifax files all be updated. I have disputed this will all of them and included the documents I attached to this complaint proving that this was all in error and yet they continue to report those erroneous late payments. You will also see where I contacted XXXX and they apologized for their error and delay in refunding the {$4.00}.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IN)

I DISPUTE THIS. 

On XX/XX/XXXX I received correspondence from you, ERC, regarding my paid off account with XXXX XXXX. This account was paid in full on XX/XX/XXXX. XXXX  XXXX XXXX acquired the account in XXXX and authorized a payoff of {$290.00} divided into two payments ; {$140.00} paid on XX/XX/XXXX and {$140.00} paid on XX/XX/XXXX. A satisfied in full letter was sent to me, which I will attach for your records. 

How dare you contact me regarding this account. You are now harassing me for a debt that I do not owe. I am disappointed that you have failed to maintain reasonable procedures to comply with the law. I will state here some of the obvious violations : 15 U.S.C. 1692e ( 5 ) concerns how I construe your collection efforts as FALSE THREATS TO TAKE ACTION THAT CAN NOT LEGALLY BE TAKEN. Also, 15 U.S.C. 1692e ( 10 ) concerns your use of FALSE AND DECEPTIVE MEANS to collect this alleged debt. 

Based on these facts and evidence that I have in hand, should you continue to do any of the following I shall be forced to pursue litigation against your firm in a County Court local to me and will seek {$5000.00} for each infraction of the FDCPA : Continue to contact me and attempt collection Report any portion of this alleged account to my consumer credit files Make reference to or report this alleged account to anyone for any reason without my written permission
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Fraudulent inquires were posted on my TransUnion account. I disputed them by mail, to TransUnion and later received a letter back. To tell me that they are remaining and will be updated ...
Consumer complaint received 2019-11-13
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: NAVY FEDERAL CREDIT UNION (FL)

I checked my credit and saw an account for navy federal for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with navy federal except a checking and savings account.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is reporting inaccurate information to the credit bureaus on a monthly basis. Wells Fargo is reporting that a balance is owed on the account that is inaccurate, inaccurate payment dates, and account status. The account has been paid monthly on time and should not have been reported as late. The account was paid and should be updated as such. Wells Fargo is violating the FCRA with its practices. Additionally, Wells Fargo is refusing to provide receipts or any form of documentation for the payments made to their company. These practices are affecting my lifestyle and liberty by preventing me from obtaining a home loan. 


Account ending : XXXX
Consumer complaint received 2019-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX  XXXX  XXXX  XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX  XXXX  XXXXNOT MINE XXXX   XXXX  XXXXNOT MINE
Consumer complaint received 2016-10-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC (CA)

I received ER services while covered medically thru service known as XXXX. A subsidy of XXXX. In XXXX XXXX County. I have told every single person who calls in the past 3yrs I was covered thru wat is known as XXXX, meaning I have no financial resources. I even called XXXX and was told by them to tell those who called demanding payment that I was covered. To call them and they could validate it. But when I did tell those tht called me, they refused to acknowledge this and then hung up. Please help me.
Consumer complaint received 2024-10-21
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. (AZ)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$370.00} XXXX XXXX  - XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2019-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Please help, as this is 6 of the 10 years of payments towards PSLF. 

I consolidated my federal student loans in summer of XXXX and was originally with XXXX XXXX using Income base repayment. My loan payments then switched to XXXX with IBR and now my loans are with FedLoan Servicing with IBR as of XXXX. I am trying to get a correct count on the payments that are eligible towards the Public Service Loan Forgiveness. 

I have submitted paperwork for the time I was employed from XX/XX/XXXX-XX/XX/XXXX, all of which are eligible for PSLF. However, FedLoans is not  counting any of the prior payments under XXXX or XXXX XXXX. I need help in having FedLoans acknowledge my prior payments as PSLF eligible. 

I have records of my payments with XXXX. However, I did not print out hardcopies or save files of my payments from XXXX and now I can no longer access their website. 

Thank you in advance.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
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: EQUIFAX, 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 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/XXXX
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc. (IN)

The company consumed my relatives account that I am a listed on, but the account is not my money and is not my account. They have froze an account that does not belong to me. I offered to pay the amount and they will not rectify the problem for the other person. They have explained I need to put the money in that persons account to settle the matter so that persons money can be freed up. 

I am prepared to sue for bank fees, bringing other people involved into my personal debt. For taking funds without suing me or contacting me. 

I repeatedly offered to take care of the debt on my side, but they will not fix the account that is not mine. 

The debt collector has seized money without direct communication. They made no attempt to contact me or to correctly identify MY bank account. They have held the money up and will not agree to give it back.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank recognized fraudulent cash withdrawals on my debit card on XX/XX/XXXX and contacted me over the phone. They assured me that the charges would not post, and they issued me a new card. 

When I received the card and was able to check my account, I noticed that the charges did post and Citibank had no record of ever contacting me. 

They also mentioned that someone had attempted to contact them using my identity, but they failed to tell me until I contacted them several days later. 

The fraudulent cash withdrawals were over {$1200.00} USD. I have attached snapshot of transactions with highlighted fraudulent withdrawals. I subsequently spent several hours on the phone to report this ( Case XXXX XXXX XXXX XXXX ).
Consumer complaint received 2015-12-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (AL)

I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.
Consumer complaint received 2015-06-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Collection agency Portfolio Recovery repeatedly calls in regards to a debt that is not mine, calling XXXX times a day. The person they 're looking for has the same first and last name as mine but different social security number, etc. I have told them repeatedly that they have the wrong person, to stop calling and they continue to call anyway. 

They call from these numbers:XXXX