davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MN)

I made a settlement agreement with Midland Funding. I made all payments per the settlement agreement except for about the last seven when Midland stopped depositing my payments. 

Per the letter I have attached, even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I dismissed my sister 's plea to leave Wells Fargo. I kept letting my guard down, even after my identity was stolen twice. Time lines of my demise : Summer of XXXX I received an email from Wells Fargo stating someone used my card information in XXXX TN, at a XXXX XXXX XXXXThe recent incident occurred XX/XX/XXXX. A perp used my name on a loan application at a Wells Fargo Branch, in XXXX NY. No email, phone call from Wells Fargo. They did squeeze out a letter XX/XX/XXXX. Nobody still didn't contact me and say anything. Today I'm still fighting identity theft, fraud. On XX/XX/XXXX I finally made the conscious decision to transition from Wells Fargo. My non- Wells Fargo account was confirmed on XX/XX/XXXX. On Saturday XX/XX/XXXX I tried to transfer funds to my new non-Wells Fargo account. I was met with resistance. A page pops up telling me I needed to identity myself, to call Wells Fargo.This is a joke, considering the fact they wasn't concerned about my identity on XX/XX/XXXX and XX/XX/XXXX. Both cases were thrown under the bus. Both checking and savings account will be closed this month. But why do I need permission to do business on my own account? It's as if they're holding my money hostage, to try to keep me from closing account. These people are crazy, this word is an understatement to describe the folk. There business practices are a definite negative. They wouldn't have put a white woman through this tactic.
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc. (NJ)

This company UCB XXXX ( XXXX ) XXXX called my mother and father regarding my debt with XXXX XXXX XXXX XXXX. They told my father that I owed money and told him the exact amount, which he texted to me. That is entirely unethical and illegal and I want them to stop.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (MO)

Sallie Mae will not release any of my loan information to me, I have callled numerous times requesting to speak with someone and to have my loan information sent to me. No one from there office is compliant I keep getting connected to a XXXX and XXXX who states it is n't his job to resend my information. I have also told and sent them information about my bankruptcy And still nothing is being done.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (FL)

BMO Harris Bank sent me an application for a credit card, in the mail, with a {$200.00} rewards bonus. To qualify, I had to spend {$2000.00} over the first 3 months of account opening, which is the obvious equivalent of 90 days. I applied over the phone, on XX/XX/year>, & was approved. Note ; ... this the date of approval, Not account opening. I got the new credit card in the mail on XX/XX/year> & called in to activated it. Thus opening the account, & by XX/XX/year>, I spent a total of {$2100.00}. This should qualify me for the {$200.00} bonus. Please Note ; ... All documentation is available by mail ; ... too much paperwork to send on line. 

I paid the account up in full, less the {$200.00} they owe me, but they continue to harass me with statements, interest, & late fees. I filed a complaint with XXXX of XXXX, & was told there are XXXX complaints on file against BMO Harris bank in the last 12 months. They deliberately make it difficult for people to qualify for the bonus by setting a ridiculously low credit limit of only {$1000.00}. All my other credit cards have a limit of XXXX or XXXX XXXX. So ;... I made a few bulk payments on the BMO card to insure that I'd qualify for the {$200.00} bonus. I say they should Not offer this bonus if they're Not prepared to give it. 

Sincerely;... XXXX XXXX
Consumer complaint received 2023-07-26
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-10-28
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Consumer Asset Management (Texas) (TX)

Collection agency rep ( XXXX XXXX ) contacted me by phone and was very aggressive and rude stating he was preparing to file a lawsuit against me and that my employer would be contacted and my wages garnished unless I paid them {$10000.00} immediately for a vehicle reposessed in 2005. XXXX XXXX also stated he would sue my wife and notify her employer as well. Was contacted by another agency rep ( XXXX XXXX ) who stated I had to pay {$10000.00} in 24 hours before my case was submitted to a court and that I would have my wages garnished and a lien placed on any tax returns and property. XXXX XXXX stated she could accept a lower payment of {$3500.00} but it would have to be sent to them within 24 hours. XXXX XXXX identified the agency as Consumer Asset and XXXX XXXX stated the name as XXXX XXXX. Both agencies have the same address and phone numbers. Both stated that letters had been sent to me via mail but I have not received any letters from either agency named describing a debt of {$10000.00}. Contacted a local attorney who advised me the agency was violating Federal and State laws concerning fair debt collection as the the debt was time bared and threatening to file a law suit was illegal and I should file a complaint with the FTC and the State Attorney.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
1. Bankruptcy XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. 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 XXXX/XXXX/XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was enrolled into a debt management program with XXXX XXXX XXXX in XX/XX/2023. Capital one is one of the creditors on my payment plan and they have been receiving monthly payment from XXXX XXXX XXXX on my behalf since XX/XX/2023. Part of the debt management program rules is that the creditors must stop reporting my account past due but Capital One continues to mark me past due each month. Ive disputed this with the credit bureaus and they refused to correct it and denied my dispute.
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (FL)

I AM RECEIVING A CALL I THINK IT IS IN REGARDS TO A STUDENT LOAN. I AM CURRENT WITH MY STUDENT LOAN DEBT, AND OF MY BILLS ARE CURRENT. BUT THIS COMPANY CALLED GC SERVICES CALLS ME EVERYDAY ...
Consumer complaint received 2023-07-03
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. (GA)

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc. (NY)

I made 4 different attempts to validate this debt with RFGI, I requested the company send me A purchase agreement they have with the " original creditor '' that gives them the right to collect and report this debt to my credit report. 

Also a original contract proving my liability for such debt They did not provide me with any of this information
Consumer complaint received 2024-02-07
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. (GA)

Re : Dispute Regarding XXXX - Violation of Privacy Rights and FCRA Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute against XXXX for violations of privacy rights, specifically concerning the protection of nonpublic personal information, as outlined in 15 U.S. Code 6801XXXX has failed to adhere to the privacy obligations policy set forth by Congress. Also Disputing The Procedures used to protect my information. 
I recently engaged with XXXX as a customer, and I am concerned about the mishandling of my nonpublic personal information. XXXX has not provided any opt-out disclosure, nor have they offered reasonable means to protect my private information, thereby infringing upon my privacy rights. I have observed a lack of transparency and adherence to the disclosure obligations specified in 15 U.S. Code 6802. XXXX has not provided clear and comprehensive disclosures regarding the use and sharing of my personal information, violating the explicit obligations set forth in the statute. 
Additionally, XXXX 's failure to furnish any opt-out disclosure or provide reasonable means to safeguard my private information raises significant concerns about their compliance with the privacy obligations policy and the overall protection of consumer information. 

Furthermore, I assert that XXXX 's actions are in violation of the Fair Credit Reporting Act ( FCRA ), and I request a thorough investigation into the matter. The lack of compliance with FCRA provisions raises serious concerns about how my consumer information is being handled by XXXX. 
Exhibits : ( XXXX XXXX. : XXXX, XXXX XXXX. : XXXX, XXXX XXXX. : XXXX ) Copy of relevant communications with XXXX. 
Any written agreements or disclosures provided by XXXX. 
Documentation proving the absence of opt-out disclosure or protection measures. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate actions to ensure the protection of consumer privacy rights By Deletion of the Trade Line from the Credit Files Listed XXXX XXXX, XXXX XXXX, & Equifax ). I appreciate your attention to this serious issue. I will explore legal Actions They have the Tradeline Furnished with XXXX, XXXX XXXX and Equifax I Direct the Consumer financial protection bureau to Remove the Tradeline Third and Final Notice
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hi, I am reaching out because my Bank of America checking account was closed due to suspicious activity back in XXXX in XXXX, NY. I accidentally allowed someone to withdraw money from my account using a check that wasn't mine. Although the money was not withdrawn, the check was briefly deposited into my account before it was empty. Since the money was not stolen, I didn't contact the bank immediately. I tried to resolve this issue by contacting the bank multiple times in XXXX, XXXX, and XXXX, but they were unable to assist me. I was an international student at the time, so I didn't expect that such a situation could happen because this person asked me to help him, and I thought that he didn't lie. As a result, I have been unable to open a checking account with any bank I have approached after this situation.
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I call Tranunions plenty of time. Sent certified letters and everything. Sent proof of my XXXX payment never been late. The lady on the phone says the letter show proof but dont say deleted the information.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-03-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: E MORTGAGE MANAGEMENT, LLC (CA)

My husband received a letter from Mortgage Management offering him a {$280000.00} loan against my home. He is not on the title or loan on my home. So I called the XXXX phone number but no answer. Shortly after I received a call from XXXX Alabama regarding my attempt to contact them regarding this letter. I asked how they could be offering money against my property to anyone. Also how many more letters did they send out with my property address on it. The man assured me that it was not fraud. But it sure sound like that to me. I also called XXXX to be removed from their list. - No luck there as well.
Consumer complaint received 2024-03-21
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-07-26
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: EQUIFAX, INC. (FL)

I was a victim of identity theft. I had alerts on my credit reports. All credit reporting agencies, Equifax, XXXX, and XXXX were not allowed to give out my credit report information without first contacting me and me allowing and verifying that I auhtorized it. They are not doing it. I have Hard Inquiriess on all my Credit Reports and they will not remove them. They know they XXXX  up. Please make them remove all Hard Inquiries from my Credit reports. Thak you
Consumer complaint received 2023-07-03
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. (CO)

On XX/XX/XXXX of XXXX, I became aware that I was a victim of identity theft. I reported my identity theft with the XXXX Police as well as the FTC. There were 3 fraudulent credit accounts opened in my name that I never opened and was completely unaware of. Since then, 2 of the 3 were disputed, investigated, verified as fraudulent, and taken off of my credit history. Those two were XXXX and XXXXXXXX XXXX XXXXXXXX. The 3rd fraudulent account was created through XXXX XXXX. I opened up an investigation with them in late XXXX to dispute. I had never heard back, and assumed from my rising credit score that is was also claimed as fraudulent. However, it appeared back on my credit report in early XX/XX/XXXX - that I owe {$9900.00} ( account XXXX  XXXX ). Then I tried to reopen the investigation ( case XXXX  XXXX ). However, I received a letter back on XX/XX/XXXX saying that my dispute was " previously investigated and resolved '' and they were " unable to to reinitiate the investigation. '' I request that this XXXX account and the balance owed is removed from my credit history as I never opened the account. It was opened as a result of identity theft.