davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

I would like to tell you Experian, this will be your last change to change your lies, about my person due is complete ilegal. 

I am letting you know, on your face, you got money, you got the power, use it as Law in USA say, use it on the favor the people of america.

Do not Insult USA with your behavior, Take me court, Please i beg You, show and say, what you said in front of a Judge, let see your Hypocresy.

You and XXXX XXXX XXXX Insult me in so many ways and times, as XXXX, call me one day Oh XXXX XXXX who do not know anything about credit. You guys really believe that people are XXXX, Just because you got the power. NO < NO you guys stink in this country If I can not prove all your lies in front of a Judge, declare me Guilty and to my sentence add 5 more years, just because I offend you.

Show to America, who you really are, is insane all your fakes staments, take my advise i can sing to make legal a doument, that if i Can not prove who you are, add 5 more to my sentence. 

What you got to loose, lets go to court your, any way, with all the money XXXX, XXXX XXXX XXXX XXXX have taken from me, your lies, i will owe soon more than {$10000.00}, maybe there i will be able to take you to court. 
You Experian andXXXX XXXX insult me giving me $ XXXX credit,, What happen to the time your charge me {$29.00} + {$39.00} twice on my account, you ever remember?? that you charge twice, so you guys, you really consider me XXXX, you never give that money back, What you say now, you do not remember?? 
To me do not matter if one day you remember and want to give me that credit, do not bother, just donate, that money to any XXXX charities, you will make them so happy. 

IF you need a copy of my bank statement, just ask, I will be glad to show you. 

God bless America and bring XXXX for presidente Again
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (NC)

I received the attached letter on XX/XX/2020 from the said company ( XXXX XXXX XXXX ) stating that I have a debt that I have no knowledge of. The letter states that I have an outstanding balance of {$1200.00} with XXXX XXXX as the Original Creditor and the Current Creditor as Pinnacle Credit Services , LLC.
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (WI)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I honestly don't know how to categorize my issue. I received a letter back in XX/XX/2019 from Fair Collections and Out saying I owe {$2800.00}. I called them on XX/XX/2019 saying I didn't owe the balance and that I had proof that I moved out the date I moved out and that I received a utility bill for the same time that the company is trying to collect from me. The lady I think her name was XXXX ( I'm not fully sure ) told me that I could dispute and submit to her my proof and that they will reach out to the company. She also stated that the on XX/XX/2019 the collection will be added to my credit report. I called back in XX/XX/2019 to check the status of the dispute. She told me the company haven't replied yet and that she will contact me once the counter suit was submitted. I call back again the first week of XX/XX/2019 to check the status again. I told the lady that is was days before this collection is suppose to be reported to my credit and I still haven't received anything as proof showing I owe anything. The lady told me that the company didn't have to prove anything to me with a nasty attitude. When she said that I told her that because they cant prove to me that i'm responsible for the debt the debt didn't belong to me. I still haven't received anything and about this debt other then the bill from the debt collector and the collection is now on my credit.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2020 I received a letter from a debt collector XXXX Midland Credit Management , Inc ) alleging I owe XXXX XXXX, issuer of the XXXX XXXX Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above XXXX ) and would not want to jeopardize it in any way. I contacted XXXX XXXX to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call Midland Credit Management Inc., and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.
Consumer complaint received 2019-12-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB (WI)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened an account, online, with Bank of Amercia on XX/XX/20. On the date of account opening, I completed the online information based on my current legal identification. Approximately 4 days later, I logged into the account via my Bank of America mobile app, to attempt to add an external bank account to my profile. At that time, I noticed that my account profile information had been changed to old, invalid information. The name, address and email contact information had been changed to my previous married information based on an account profile from 5 years ago. 

I immediately called the bank, keeping in mind that my new account is a joint account with my now fiance. I was advised that, over the phone, they could change my mailing and email address. However, I would not be able to change my name. I was advised that I would received some documentation in the mail that I would have to complete and drop off at the local branch. 

Approximately two days later, I went into the branch to make a withdrawal. At the teller line, I was advised that I could make the change in the branch, but that I would have to make an appointment. I stated that I would just wait for the documents as I did not have time to make an appointment based on the abbreviated hours of the bank. 

Fast forward to today, I was attempting to link another external bank account. I went through the entire verification process only for the account to not be added because the name does not match. I then made an appointment at the branch, went in with all of my identification ; DL, social security card and password. All with my current legal name. I was then advised that now they can change my name but since the account is a joint account, the other account holder would have to be present. Should I mention that he does not even live in the same state? Nor had this been a statement made to me at any of the other times I initiated contact to get this matter resolved. 

My complaint is that, if you have a customer that is filling out an online application in which they attest that the information on the application is true and accurate, how are they able to just change the information on the application based on a profile that was in the system from 5 years ago? If, during the application in process, there was a discrepancy in information ( XXXX ) why was it not deemed necessary to reach out to the customer ( me ) to confirm my information, ie. request a copy of my driver 's license or social security card? Futhermore, what if the account profile information had been changed prior to the issuance of the card? The card would have been mailed to an old address that I no longer reside at and could have fallen into the hands of a fraudster.
Consumer complaint received 2020-06-09
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report, FTC report for identity theft.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Dear CFPB, I have been in good standing with my AAdvatage Citi Bank Master Card for years. My bills are always paid in a timely manner and I have revolving credit available. My card that expires XX/XX/2022 but has stoped working out of the blue. I called the Citi card customer service and they said first that called to request a new card, which is false. Then they changed their answer saying the bank decided to give me a different card number but did not explain why that is the case. They said twice they mailed me a new card. No card has been received in the mail. The United State Postal Service scans all my envelopes and emails me the scan before they reach my mailbox. A scan was never received of mail form Citi bank since my card has stopped working. Now Citi Bank card customer service is telling me my line of credit has been closed. I did not authorize this account closure. The reason they gave for closing the account is that the credit card was sent bank to them by the post office.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have tried to dispute incorrect information for the last six months with the credit reporting agencies. I even submitted a report from the police department stating that someone had used my identity to open up accounts. Also, there are collection agencies that are not my medical doctors listed where I was not sent proof that I had a contract with these collection agencies. 

XXXX XXXXXXXX XXXX the amount {$440.00} XXXX XXXX  the amount {$1900.00} XXXX XXXX {$230.00} {$76.00} XXXX XXXXXXXX XXXX {$1200.00} XXXX XXXX {$730.00}
Consumer complaint received 2020-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I originally filed a complaint against ic collection in XX/XX/2020 for placing collection information on my credit I report for fictitious debt. 
I.C. Collection agreed to provide valid proof and statements for said debt. 
Today, XX/XX/20, I received statements for an account not mine. I.C SYSTEMS did not provide proof such as signatures, identification  documents associating me with the debt. 
I am still disputing the debt as mine.
Consumer complaint received 2020-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

XX/XX/2020 My gut told me to call mortgage company b/c I had trouble logging in that night before. I called about XXXX XXXX. to get help which I had already registered the previous weeks before. I was very concerned b/c they continually displaced my payments. Making it appear that I'm paying late which I have been consistent for over 10 years. I also had agreement with mortgage company to have auto payments set-up thru them. So how could I miss a payment. I did not request any assistance due to pandemic. I was very adamant about paying my account on time. When I read over my statement since it's paperless billing I don't notice as much. But I have noticed that by them making it appear that I'm late and reporting it. It affect the bottom line tax wise. The numbers are not adding up. I have reported before about inaccurate info. This totally changes interest rates.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IL)

HELLO, ON, XX/XX/XXXX, I WAS, STUMPED TO RECEIVE A CALL THAT, MY BANK ACCOUNT WAS, NOT MINE. THEY ALSO, REPUTED THAT, I WERE, XXXX, XXXX XXXX XXXX, THE BANKS I AM MAINLY IN RELATIONS WITH, IS, WELLS FARGO BANK XXXX WHICH MEANS ALL MY BANKS ARE, CONNECTED. THE NAME, THEY WOULD, HAVE STOLEN IS : XXXX XXXX XXXX.I, WHICH IS, IN SOLELY PRIORITY OF, MY HERITAGE AND INHERITANCE, WHICH PEOPLE LIKE TO GO AROUND CALLING ME, WITHOUT 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 THEY MIGHT ASK AS, REPITUTATED AS, WHAT, BUT I AM THE BOSS XXXX FOUNDER OF EVEN THIS, ESTABISHMENT, THUS, THE ONLY XXXX, WORKING. THE OTHERS, FOR, THEMSELVES. PLEASE, COULD YOU RECOOPE, MY LOSES AND GET THE XXXX, THE HECK OUTER, HERE. FROM, ALSO, XXXX XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, SERIOUS MATTER.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (TX)

When I called yesterday, the CSR reps ( I believe in XXXX ) were very rude. She asked if I'd like to have a new card issued.. I told her I'd call back. When I called back, it was brought to my attention that acc oi until was frozen due to fraud ( despite that she had just offered me a new card to be shipped ). 

The lady I spoke with afterwards said I'd still be able to access checks. Well, those aren't processing. 

They told me it'd take a few hours after notarized ID faxed to be processed, but it's taking a few days. 

Im now locked out of checking and brokerage, which is a significant opportunity cost considering the market. Not to mention I need cash to buy food, etc. I'm now having to go on payment plan with electric company bc can't pay bill due to no access to funds ( which will cost more ). I've also had to pay for notary. 

They have the ability to process this faster, but won't. 

I feel like I was discriminated against by the reps I spoke with yesterday ( XXXX ). I feel confident they flagged me as potential fraud in spite. 

I request all calls be listened to, for the past 1.5 months, to fully understand the situation and how this was unfairly handled. 

Respectfully, your previously satisfied customer
Consumer complaint received 2020-06-08
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. (NY)

I mailed in a dispute to Experian on XX/XX/20 for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXX/XXXX XXXX  when they sold the account to collection agency XXXX XXXX Solutions? There should not be a balance on a charge off account that was sold to a collection agency.