davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XX/XX/XXXX 3. Has reported late payments for entire year of XX/XX/XXXX on an account that last payment was in XX/XX/XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XX/XX/XXXX or XX/XX/XXXX ( but is reporting usage ) 6. They state that they will report until XX/XX/XXXX, and account was due to stop reporting XX/XX/XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )
Consumer complaint received 2016-05-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Essential Retrieval Group (MN)

I have had this loan in the past but was called at work by a man named " XXXX '' who told my secretary that if I did n't answer his phone call I would be handed a subpoena at work in the next hour or so. 
A docket number from the court was attached to the message from the secretary and he said I could either call or they would show up at my XXXX. When I took his phone call he asked for my social security, ATM card number and offered me a " deal '' to pay off this debt. When I called this number in the evening to investigate further someone answered that was unprofessional and unwilling to give me information about his company ERG. 
I called back again and they would not give me an address to send a cease and desist letter to them. They would also not give me a liscence number for their operation/collection office. Doing an internet investigation it sounds like they are misrepresenting the court system and making threats as well as disrupting my co-workers and self. They are pretending to be government officials and coming up with bogus document numbers which in reality would be mailed out if they are legitimate.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Around XXXX XXXX XXXX, my bank notified me of a Garnishment on a shared family account. It was from Portfolio Recovery Associates LLC. The bank provided me with a case number and a phone number for an attorney associated with Portfolio Recovery. I contacted them immediately, and asked for copies of the Court Case, but was told they had no idea who I was and hung up. 

I have attempted to contact Portfolio Recovery numerous times for copies of the actual debt, the Summons and Complaint, any exhibits used for court, Proof of Service, and the Judgment. The only case number I was given was from the Bank which is XXXX However, I can not even locate what state this alleged Court Case was in. 

I have requested this paperwork continually over the last few years, but still have not been provided any of it. 

This is the second complaint I have filed with the CFPB on this matter as well.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

According to the information given to us from the Bankruptcy Court, they do not report the bankruptcies.to the credit reporting agencies, per ( 17 ) ( CFR ) ( 160.7 ) ( FG1 ). Therefore, we hereby refrain from sharing our non-public personal information. Additionally, we request that you provide us with an updated privacy policy that reflects our opt out preferences and an updated copy of our credit reports from all three ( 3 ) credit agencies. See letter from Trustee Agency below. *************************************************************************************************** XX/XX/2024 Dear XXXX & XXXX XXXX, I wanted to correspond regarding our previous conversation on the credit bureaus, the trusteeship, and your completed bankruptcy case. Upon the completion of a XXXX  XXXX Bankruptcy plan the standing trustee files a Final Report and Account with the Bankruptcy Courthouse. The trusteeship does not report to nor correspond with the credit bureaus. After the Trustees final report is filed with the court, the presiding judge will discharge the trustee from the case and officially close the bankruptcy. As the status of the case changes based on the orders from the corresponding judge, the updated status become available through the courts electronic records. It is often the use of these electronic court records through which relevant parties are made aware of the status of a particular bankruptcy case. In addition to the courts electronic records, each creditor listed under the bankruptcy plan is also notified by the court of the discharging and closing of the case. Some of these creditors will update their own records with the credit bureaus so that the completed status of the case is reflected. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (CA)

I wanted to make a final payment to pay off my mortgage. I was charged excessive fees to complete the final payoff of my mortgage. Excessive fees included a quote fee of {$25.00}, Expedited delivery fee of {$20.00}, XXXX party reconvey/release prep fee of {$25.00}. This was over and beyond the XXXX recording fee of {$180.00} which I believe is inflated. The quote fee and expedited delivery fee were just to send me an email with an amount I need to pay. I was ready to pay my loan off on the website by transferring money directly from my bank like I always have and I trusted. The fees charged are a scam and I do/did not trust any of that shady backwards business. I went ahead and made the final payment on XX/XX/XXXX to be done with it. They did not send me a final mortgage loan statement. There wasn't one mailed and there isn't one on the website. On top of all this there was a XXXX XXXX that occured on XX/XX/ which included me and my wife 's name, address, email address, Social Security number, and date of birth. I had no idea this had even happened when I paid off my mortgage. I was not notified until receiving a letter from them dated XX/XX/ to me and XX/XX/ to my wife.
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC (CA)

I have contracted Volvo Car Financial Services XXXX times and requested quotes for ending my lease early. After I turned my car in, they requested payments after quoting me {$0.00}. 

I first contacted them in XXXX of 2022 after receiving mail about ending my lease early and having remaining payments waived. Subsequent contacts were made in XXXX and XXXX to obtain " quotes '' for early lease termination. Each time I contacted them, they told me " management '' would approve early termination of the lease and a decision takes XXXX business days. I was moving from XXXX state to another and my lease was set to terminate in XXXX of XXXX. I asked them how much would be due to turn-in the car versus taking it with me and shipping it across the country. Each time I inquired they forward the request to management and a turn in quote is issued and good for 14 days. 

I made the third ( and last ) request in XX/XX/2022 ( due to previous requests expiring and reinitiating a new request ). The rep told me the balance due would still be {$0.00}. 

I asked if I needed to sign anything and they told me I did not, that I only needed to turn the leased XXXX XXXX in to a Volvo dealer no later than XX/XX/XXXX of 2022 and then call XXXX back and advise the car has been turned-in, time, and mileage. 

On XX/XX/XXXX of 2022, I turned my XXXX car into my local dealer in XXXX Indiana around XXXX to a sales person representing XXXX XXXX ( who was on a call and couldn't meet me ). I then called Volvo Financial and let them know the mileage. I inquired with the dealer about turning the car in and if I needed to sign something and they said no. 

I have now received requests for payments for ; " Remaining payments : '' {$1400.00}, " Excess Wear And Use Charge '' {$130.00} and " Vehicle turn in fee '' {$350.00}. 

I called XXXX on XX/XX/XXXX and spoke to a representative, XXXX, and explained the above. She informed me she reviewed my account notes and I was quoted the {$0.00} turn in for the remaining payment and would need to forward for " account review '' and I would need to call back on XX/XX/XXXX if I would like a " status update. '' XXXX went on to explain to me the {$350.00} and {$130.00} charges are valid charges and asked me If I wanted to pay them for a combined total with tax of {$520.00}.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

just got a copy of my credit report and i noticed the referenced accounts below that i did not apply for and did not use them. i need these accounts investigated and removed from my file. 

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
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of unauthorized inquiries : 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 I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request Equifax to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC Report Number : XXXX
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

Purchasing an item through XXXX XXXX. Sent money through XXXX. The persons account was hacked and it was not who they were portraying to be. Sent the money, never received product. Complaint filed with bank within XXXX hours. They stated there is no way to get the money back even though it was sent to someone impersonating another.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Concerto Card Company (FL)

XXXX credit card wouldn't provide a way for me to review my statements, purchases, create a login, or contest any fees or interest. After several phone calls, they finally sent statements to me. I agreed verbally to pay the amounts for purchases and the interest on the related statements. They said that they would waive the fees and interest accumulated on the fees once they received payment. I sent the check several months ago. They are now sending a regular statement that only has those fees with compounding interest. I specifically wrote on the check that cashing the check constituted acceptance as final payment. I sent the check, which has been cashed, to their corporate office via priority mail. The card has been closed for about a year. They continue their collections attempts. It's harassment. I never would have accrued those fees or interest had they simply sent me statements. The collections reps were very aggressive and manipulative. They were pressing me to " just pay and make it go away ''. 
I have the bank image of the cancelled check and the usps tracking number.
Consumer complaint received 2022-12-19
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. (NJ)

I spoke with XXXX & XXXX about the old address XXXX XXXX XXXX in XXXXXXXX XXXX  and the old other address that I clearly ask them to remove! They fail to remove all the old address I currently not there no more they are keeping the current! The only address Im currently at and I have residential there is XXXX XXXX XXXX XXXX XXXX in XXXX NJ. When I dispute theses accusation they fail to remove all the address they told me it would take 24 to 48 hours for them to remove them! Im going to file a lawsuit again them for wrongful inaccuracies on my credit report today. Im a victim here and this needs to be investigate soon as possible, when you do show them proof they discard your evidence of proof that you sent to them. This is totally not fair to any consumer who are not being protected by the law of the consumer right. I have the right to dispute and if anything thing looks too suspicious I have the right to dispute it with evidence of proof!
Consumer complaint received 2023-06-05
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. (CA)

I sent a letter last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance XXXX {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$910.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (AZ)

Some company called XXXX XXXX XXXX XXXX XXXX  XXXX, using a credit collection agency with following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I have not taken any loan from XXXX XXXX XXXX. 
All my credit reports now have this " collection '' on it - for a loan that I have not taken.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern Im reaching out to you to get some type of resolution for my XXXX XXXX by XXXX XXXX. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including XXXX XXXX XXXX assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to XXXX XXXX around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from XXXX XXXX. I immediately called XXXX XXXX to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into XXXX XXXX several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. 
Ive tried to speak with the XXXX XXXX  department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. 

Thank you so much.
Consumer complaint received 2022-02-14
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/XXXX I cancelled a scheduled transaction from my USAA savings account in the amount of {$3900.00} for a mortgage payment that was due on XX/XX/XXXX. I received confirmation in my USAA portal that the transaction was cancelled. However, on XX/XX/XXXX I saw that the transaction was not cancelled and the payment was actually processed! In addition when I cancelled the scheduled transaction I went and made a payment to my mortgage company in person on XX/XX/XXXX with a check from my savings account. Because the payment was already processed it resulted in a double payment but there was not enough money in the account to cover it. Therefore it resulted in my check being returned for insufficient funds and I will be responsible for overdraft fees!! USAA is the most incompetent financial institution I have ever dealt with and they take no accountable for their actions.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 604 a section 2, a Consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX, Equifax and XXXX never received my verbal, non-verbal, written, implied or otherwise, consent to furnish this information. Under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I HAVE CONTACTED THE BUREAU SEVERAL TIMES IN REGARDS TO THESE ACCOUNTS LISTED ON MY CREDIT PROFILE. IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHT ACCORDING TO 15 US CODE 1681 b THAT I DID NOT GIVE ANY AUTHORIZATION FOR THESE ITEMS TO BE LISTED ON MY CONSUMER REPORT. MY CHARACTER IS BEING DIMISED BY THIS MISBEHAVIOR FROM THE CREDIT REPORTING AGENCY!! PLEASE REMOVE NOW AS THIS IS MY 3RD REQUEST
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I started disputing this incorrect information for over a year now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX