davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc. (IL)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Central portfolio control Incorporated XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX This company and their affiliates continue to call me and send text messages going on 10 years now. 

They continue to ask for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Illinois. 
To my out knowledge no address exist. 
For some reason you're upload file is not operating. Because I would like to upload the daily text messages & phone calls uspo mail, & email that are submitted. I will have to send that by email. 

This company continues to call even after today I spoke with them and called them back and ask them their address company name and information, they had the nerve to call again, while I'm filing this complaint and hang up calling from a different number. 

XXXX is currently investigating mail theft and mail fraud at my address. 

I have received XXXX  mail also from this collection agency and their affiliates. 

When I called them over 4 months ago and said stop addressing that person 's name to my address. 
They did not seem to care that I took the time to let them know they have inaccurate information. 
And appeared to blame me for the inaccurate information. 
I also called them years ago and they just will not acknowledge these communications. 

They continue to harass me.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE MY INFORMATION WAS RELEASED TO THE PUBLIC DUE TO THE XXXX, XXXX, EXPERIAN DATA BREACH. THERE'S PLENTY OF UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THESE ACCOUNTS ARE INACCURATE AND DONT BELONG TO ME AND IS HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM IN THE PROCESS OF GETTING A MORTGAGE LOAN AND THIS IS HURTING MY CHANCES. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY
Consumer complaint received 2022-12-20
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. (FL)

I called the XXXX after XXXX XXXX XXXX credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct EXPERIAN, XXXX, and XXXX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction.

Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


EXPERIAN, XXXX, and XXXX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.
Consumer complaint received 2023-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (VA)

I received a letter from a debt collector named aldous & associates that I owe XXXX USD to XXXX XXXX at XXXX XXXX for personal training. I requested more documentation about the debt since i have never been to this gym branch in my life and they sent me a contract that was signed by someone else in a day i wasnt even in the United states. i was on a family visit overseas. sent them a proof of my absence and highlighted the two different signatures they have against a signature of mine that was 2 years older at XXXX XXXX VA location. they still insist that is not enough evidence and they will still persue the debt collection process. I contacted the gym branch directly and they confirmed that i have never been to the gym before yet their collection agency is still trying to collect the debt and posted it to my credit report. 
I have filed a police report as they requested and still wasnt enough for them to clear the debt. I filled a complaint with XXXX and their response to that was submitting a photo evidence claiming it was myself at the gym the day of the contract and apparently it is not a photo of myself. Done more investigation regarding the matter and found out the person in the photo they submitted belongs to another individual holding the same name as myself. I reached out to that person and he confirmed that he had ongoing issues with that gym and he is getting collection letters from same collection agency. I replied to that evidence with a photo of myself and called the agency with the other person file number on their system. 
They just hang up the phone and not do anything regarding the matter.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023. An unauthorized transaction was made at XXXX for {$520.00}. I opened the claim at wells fargo and I said my card was used and it was authorized since I lost my card that day when I was in Maryland. Immediately after I freeze my card before it was used anymore. On XX/XX/XXXX, they closed the claim and said it was made by me or someone I know so they cant dispute the transaction. Then I contacted them again on XX/XX/XXXX to ask why it was not approved, they said the same reason as last time it was an insert purchased and was made by me or someone I know but I told them many times that it wasnt and they cant do anything about it so they made a suggestion to contact XXXX to see what they can do and they sent me a copy of receipt that was purchased that day to use as the evidence. Again I tried contacting Wells Fargo, and they couldnt open the claim again so they had me transfer to another call which was an 1 hour 30 minutes and no one picked up after 2 hours of wait and they said they cant do anything about it.
Consumer complaint received 2023-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to inform you that I recently discovered that my credit report contains information that has been adversely affecting my creditworthiness which prevents of sucessful completing my education and other things. I want to inform you no one helped me put my credit file together, and therefore, please stop trying to hold up my request for you to delete and block information on my file. 
As such, I am requesting that you proceed with deleting and blocking any adverse information that may be present in my credit report in accordance with Section 605c of the Fair Credit Reporting Act ( FCRA ). This includes any information that can not be verified, is outdated, or has been reported in error. 
I would also like to request a copy of my updated credit report after the information has been removed or blocked. 
I understand that you have 4 days to do this according to 605c, and I kindly request that you provide a written response outlining your findings and actions taken. 
Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.
Consumer complaint received 2017-05-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On  XXXX / XXXX / XXXX  - I was the victim of an internet scam. The fraudsters convinced me to issue a cashiers check for {$9000.00} and put it in the mail. The check would take 4 days to arrive in  HI. My friend came to my home and I discussed the matter with him and realized that it was a scam. We immediately called Wells Fargo fra ud department to stop the cashiers check after submitting all requested information we were given a case number. We then went to the  XXXX  CA branch and spoke with  XXXX   XXXX . We presented him with the stub from the cashiers check, explained what happened. He called the fraud department, closed the checking and savings accounts, blocked online access, and assured my boyfriend and myself that a hard stop had been placed on the cashiers check and that the fraudulently stolen funds would be returned in about a week.  XXXX  asked me to come in the next morning to open new accounts. I came in the next morning, opened new accounts.  XXXX  assured me that everything was safe and that the {$9000.00} would be transferred to my new account. Note - A police report was called in to  XXXX  PD since that was the location where the check was sent.     On  XXXX / XXXX / XXXX  I called the claims assistance center to follow up on the status of the {$9000.00} going back to my account. They said a form was missing and that they would mail it. I did not want to wait so I went back to the  XXXX   XXXX  and spoke with  XXXX   XXXX . He called the claims center, and they did not know what form he needed, so they would call back. In the meantime, the claim was closed. On  XXXX / XXXX / XXXX  with the stress from this situation I went into the hospital with  XXXX   XXXX  and was kept   XXXX   XXXX   XXXX  . I was released Sunday night.     As it turns out  XXXX  at the  XXXX   XXXX  failed to have us fill out the correct fraud paperwork for a cashiers check to create the bond to protect us from the loss. In addition, on  XXXX , the  XXXX  branch refused to accept the affidavit of check fraud that was requested by the fraud department. The check was cashed when  XXXX  had assured us that a hard stop had been placed on the check on  XXXX / XXXX / XXXX .
Consumer complaint received 2023-08-08
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights,
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MI)

In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  XXXX  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance  of {$0.00} and is closed out. 3 months later, I receive mail from Midland Credit Management  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore de bt. Midland Credit Management s tated they bought the debt from  XXXX . After dozens of phone calls, neither company can help me.  XXXX  has hung up on me many times when asking how to handle th is. Midland Credit Management  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.
Consumer complaint received 2017-05-10
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: Midwest Recovery Systems (TX)

Midwest RCVY- no w shows a derogatory account on my credit report. I have never once been contacted by this company. I have done research showing hundreds of cases where this company has billed for payday loans. I have never in my life used a service like this or done business with this company.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2017-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

My original lender was for a debt of  XXXX  which was  XXXX   XXXX   XXXX .  XXXX   XXXX  cooperation debt was sold to  XXXX   XXXX .  XXXX   XXXX  tasked  XXXX   XXXX   XXXX .  XXXX   XXXX  brought a civil suit against me for the amount of  XXXX  and failed to follow through as a result, the case was thrown out and I am no longer liable for this debt. I have made contact with  XXXX  to have this removed. The debt is no longer mine and must be deleted from my credit report. Confirmation  XXXX  and  XXXX  was submitted in online disputes. I submitted a copy of the court record stating that the case was dismissed.
Consumer complaint received 2017-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My mortgage payment has increased by {$800.00}. I only was notified when I called. When I asked for the details, I was advised that part of my increase was due to XXXX insurance companies being paid for my homeowners insurance. XXXX XXXX and XXXX. XXXX was distributed XXXX when I never was uninsured or agreed to the insurance. I changed my insurance form XXXX ( because the premium has increased to {$20000.00} a year ) to XXXX XXXX. Someone from Ocwen called me because they had received the request from XXXX to pay the {$20000.00} at that time I reminded the OCwen agent that my new policy was with XXXX XXXX. Ocwen should have never issued XXXX XXXX XXXX a check and advised me that I was was responsible for reaching out to them. Also I was advised that my escrow was in a negative of {$10000.00} but no one could explain to me in detail how my mortgage payment increased to {$800.00}. I advised Ocwen Manager/Supervisor XXXX that I could not afford to pay the new mortgage payment and advised if there was anyway to spread my escrow deficiency from 12 months to 24 months. XXXX advised me that " If you can not afford the payment, then you can not afford the property ''. I advised that this could lead to a Foreclosure. He stated he could send me a refinance application. I do n't think that I should have to refinance my home due to an escrow issue that was created due to Ocwen errors. This is an unfair and deceptive practice that Ocwen is engaging in.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (CT)

I, XXXX XXXX, started receiving a bunch of calls at first and then they started emailing so I recently sent a letter asking for VALIDATION of debt and they did not send what I asked and said the debt was VERIFIED. I reached out by mail separate occasions and they are not rebutting me correctly I have been in correspondence with RESURGENT RECEIVABLES, LLC through and they send me the same thing which does not Validate a debt they ( Resurgent Receivable, LLC ) claim I owe them.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CT)

I am a victim of identity theft and I never opened an credit card account with American Express and there are XXXX credit cards in my name there is a XXXX  credit card and XXXX  credit card. The address on file doesn't match the address on my ID and i have a police report.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (TX)

Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANANGMENT has illegally posted an alleged collection account to my credit profile. My report shows that it is an open account and was opened on XXXX with a balance of { {$820.00} }. I have no knowledge of this company, nor this alleged debt. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. Never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them.

15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. I have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail they have failed to respond to my request. I am responding about a debt that MID LAND CREDIT is trying to collect. A dispute was filed on XX/XX/2023, which was denied through XXXX XXXX. And identified the debt as " account information disputed by consumer, meets FCRA requirements but did not go into further details. 

I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. 

A debt collector may not have a legal obligation to provide some or all of the information you seek, even if you request it within the 30-day period. If the collector doesnt give you what you request, that doesnt necessarily mean the debt collector has broken any laws or has given up a legal right to collect from you.