davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing in response to your recent correspondence regarding the alleged debt associated with Case # XXXX and Case # XXXX. 

Despite your previous communications, I reiterate my dispute regarding the validity of the debt claimed by Midland Credit Management. I have repeatedly requested evidence of my original agreement with Midland Credit Management. including a copy of any contract bearing my wet signature on contract with Midland Credit Management.. Regrettably, this request remains unfulfilled.

Furthermore, I wish to address the information provided by XXXX XXXX XXXX regarding the purported debt. While it is claimed that an account was originated on XX/XX/XXXX, under the name XXXX XXXX XXXX, I maintain that I have never entered into any contractual agreement with Midland Credit Management, Midland Funding, or Encore Capital Group. 

As per the findings of the investigation conducted by the Consumer Financial Protection Bureau ( CFPB ), it is evident that the burden of proof regarding the legitimacy of this debt has not been adequately met.

In Alabama, the statute of limitations for debt collection lawsuits on an open account, such as a credit card account, is XXXX years from the date of the last action on the account in question1. Creditors can no longer sue
for repayment after the statute of limitations is up.

Therefore, I dispute any claims to rights or obligations stemming from an alleged debt that has not been substantiated with verifiable evidence.

Moreover, I emphasize my refusal to provide a signature in support of what I perceive to be unfair and potentially fraudulent collection practices. I assert my right to demand the removal of any inaccuracies associated with this disputed debt from all credit reporting agencies.

Cease and desist.

In conclusion, I urge Midland Credit Management to cease all collection efforts and to promptly address the concerns raised in this correspondence. Failure to do so may result in further escalation of this matter through legal channels.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Issue is between USAA and XXXX XXXX Submitted a check from my USAA account to my XXXX at XXXX XXXX Could not deposit due to endorsement problem, so XXXX requested a second check First check return, and second cashed XXXX days later, first check also cashed, and despite XXXX request to return check, XXXX XXXX says it is lost Neither bank, USAA nor XXXX XXXX, is helping me Please help! 

XXXX
Consumer complaint received 2024-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I contacted TD bank to dispute a payment of {$160.00} with business XXXX. The seller declined doing my hair despite deposit being rendered, and refused to provide a refund. The deposit was sold to XXXX XXXX for my hair, and the seller refused to do my hair .TD bank has moved slowly and unfavorably to retrieve funds. This is an ongoing issue with this banking institution.
Consumer complaint received 2022-03-04
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. (GA)

I file a dispute with equifax for unauthorized inquiries on XX/XX/2022. Equifax refuse to remove the fraudulent inquiries. This is a violation. Under 15 U.S code 1681b permissible purpose of consumer report I never gave you written consent to report anything on my consumer report. No consent is fraud
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (NC)

XX/XX/XXXX unclear on amounts invald contract. Reported this violation to XXXX, XXXX  and XXXX  to conduct an investigation. Today XXXX XXXX I checked my credit through XXXX XXXX XXXX continues to report a open account which should be closed. World Omni Financial Corporation and affiliate Southeast Toyota Finance. Failed to follow the Fair Credit Reporting Act 1964,1970,2005. The Account is not valid and simply should list closed. This company failed to correct the errors according to a letter I received from this firm on XX/XX/XXXX. The errors were serious failed to bind the gap insurance of XXXX failed to make correction XX/XX/XXXX reflect the failure to make the correction on this contract. Contacted Southeast Toyota Affiliate and World Omni financial corporation. They fail to address the failure to address the mistakes made and are trying to enforce a invalid contract. Several errors on a contract for XXXX can not be taken lightly. I respected this company enough to make the corrections they refused and continue to break the Fair Credit Reporting Act.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Consumer complaint received 2022-08-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

When I searched for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was acquired by an aggregator website, which instructed me to first check the website 's FAQ section and then contact approximately nine separate websites to have it removed. I felt humiliated by the fact that I had to request the removal of my belongings. I discovered unauthorized, fraudulent accounts on my credit report ; I would like these accounts removed and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to obtain credit. I am taking every measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything else I can do to have these accounts removed from my report.
Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IA)

I was accepted to the XXXX XXXX XXXX XXXX program in 2003. I do not pay my property taxes until I pass away or sell my home as this helps me stay in my home while I'm XXXX. My mortgage company keeps paying my property taxes, then asking for a refund, and reapplying it to my escrow account. While this is happening my mortgage payment changes to {$1000.00} from the correct amount of {$690.00}. I have tried to stop the billing by XXXX XXXX XXXX program and was told that was not possible. I have made at least one call per month and often many more trying to get Ditech to reverse the payment, correct my escrow, and apply my house payments correctly. I have to Fax each item to them or Ditech just says they didn't receive the letters. They have destroyed my credit history. They reported that I was two house payments behind, when I had paid the correct amount on or before the 1st each month. They reversed the credit information, but several accounts had been closed due to the misreporting. XXXX XXXX XXXX XXXX program supervisor said as soon as they receive the request they will have the check back out in 1 week. Ditech Tax Department told me that when they receive the refund they have 60 to 90 days to correct the escrow. They have already taken my XXXX payment {$690.00} and applied it to the XXXX payment {$690.00} to cover the incorrect amount of {$1000.00} that I was billed for XXXX. So now it appears that I haven't paid my XXXX payment at all. I don't know what else I can do. I have to have escrow to cover my FHA insurance. As long as I have an escrow account they will continue to pay my suspended property taxes. I have been trying for 3 years to get this resolved. Please help me.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (OH)

On XX/XX/XXXX, XXXX sent me a letter and contacted me by phone in an attempt to collect an invalid debt from XXXX XXXX XXXX in the amount of {$1100.00}. On XX/XX/XXXX, I sent them an email, which the letter says is valid to accept disputes. In my email, I stated the reasons that the debt was invalid and requested proof from the agency. I stated that the company, nor any future owners of the alleged debt, are to contact me for any purpose other than proving the validity of the debt. I had no further contact from the company. 

On XX/XX/XXXX, Sequium Asset Solutions sent me a letter and has been contacting me at least once per day for the same debt, despite never having proven the validity of the debt.
Consumer complaint received 2019-01-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

on XX/XX/2018 this account that was obtain by someone who stolen my identity, open a loan under my name, I never apply for this loan, I spoke to the collection department of the XXXX XXXX XXXX and they didn't want to help they just wanted the payment of {$2800.00} I explain to the representative and they suggest me to pay the balance and they will stop calling and harassing me.
Consumer complaint received 2019-01-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MT)

XXXX XXXX keeps calling my phone at all hours of the day and night, threatening me with legal action, all for a debt supposedly owed by an individual named " XXXX XXXX '' ( I'm not sure if that is the correct spelling ) for a " debt '' owed on a " XXXX XXXX '' account. I have never been to a " XXXX XXXX '' nor have I ever done business with them in any way shape or form. They ( XXXX XXXX ) continue to harass me, even though on multiple occasions I have told them that I'm not the individual in question, and that they have the wrong number. The use robot calls, offensive language, threats of lawsuits, threats of " credit damage " and many more horrible, probably illegal tactics. I have tried to block their calls, but they just call again from a different or spoofed number. Please help, these horrible people are causing me loss of sleep, and stress that is worsening my health ( I'm a XXXX XXXX with XXXX  XXXX XXXX ) Ioften work 50 hours a week or more as an XXXX. I've done all I know to do with the exception of giving up  my telephone number that I've had for over 10 years, which would be a significant loss for me. Please help me win this fight for my sanity! Thank you for your time and help, any assistance you can provide means a lot to me!
Consumer complaint received 2019-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP (GA)

On XX/XX/XXXX capital management services LP sent me a notice of debt verification. I asked for debt validation. They could not provide it, they forwarded my request to original debtor. I then filed a complaint through your company. Assuming the original company was trying to collect debt from me. They dropped capital management from collecting the debt. They then became the original creditor and original creditor. However, payment could only be remitted to XXXX XXXX XXXX, which is a parent company of XXXX XXXX XXXX. However I do not have a standing contract with XXXX XXXX   to pay anything. Therefore I am at liberty to say that XXXX has commited fraud. They charged off account, sold it to CMS, took it back and is now letting XXXX XXXX handleXX/XX/XXXX.I DO NOT HAVE A CONTRACT WITH XXXX XXXX. Let it also be noted that XXXX XXXX purchased the XXXX XXXX XXXX XX/XX/XXXX. I am sending a copy of this complaint to the XXXX as well. Thank you for your time. Also CMS was originally on my credit report but was withdrawn when XXXX   noticed I was trying to take action against them.
Consumer complaint received 2020-02-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (MS)

I have been paying Premier Student Loans {$30.00} a month to " pay '' XXXX XXXX on my student loan. They were supposed to take care of my payment and all of the paperwork to get me recertified for the Income Based Saving Plan when the time came. Also the Public Service Loan Plan. They were supposed to be paying towards my loan. I did not know that they were not putting the money towards anything on the loan. I have tried to contact them but they are being sued and their phones are turned off. They have a message that now runs saying to get on a website and contact Dept. of Ed. because they are being sued.
Consumer complaint received 2018-10-25
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: BARCLAYS BANK DELAWARE (IL)

My credit card company, Barclays, has repeatedly pulled my credit without my consent or authorization. Every time I ask them a question about my account, they pull my credit. They have done three hard pulls to my credit without my authorization this year. I would not ask them any questions, if I knew their intention was to do a hard pull on my credit. I want all of these hard pulls to my credit removed immediately. 
BarclayBank Hard Pulls XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MI)

I'm a licensed XXXX XXXX XXXX in Michigan. My client sold her home and the title company requested a payoff for a closing date of XX/XX/23. On XX/XX/23, the title company received the payoff amount due for XX/XX/23. It's been one week since we closed on her property and we received an email from The Money Source stating that she owed an additional {$930.00} because the loan was entering foreclosure on XX/XX/23 and includes additional fees and costs from the attorney. The email states the payoff amount they sent the title company was correct for the closing date of XX/XX/23. 

If they do not receive the additional {$930.00} by tomorrow ( XX/XX/23 ), they will return the original payoff amount and send a new updated payoff request which will include other fees and costs. 

I feel that this is a very bad business practice. Once the payoff amount is sent from the mortgage company, that should be what the payoff is. Additional fees should not be added. I'm attaching the payoff amount from the mortgage company for the date of closing, as well as correspondence. Thank you for looking into this.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I received notice from MIDLAND FUNDING about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND FUNDING on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND FUNDING another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND FUNDING on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-01-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

This debt occurred in XX/XX/2011. That was 8 years ago and should not legally be on my credit report. It was incurred by my ex husband XXXX XXXX who fraudulently applied and used the funds sent to a joint bank account that was not closed. I demand this be removed immediately This account has been sold to a third party collection agency several times .... this should be illegal
Consumer complaint received 2019-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (UT)

I reached out to my mortgage company who started servicing my home loan since XX/XX/XXXX From the beginning Ive always made my payments every month since then. I reached out to Flagstar a  couple of times in the past to see if there was anyway I could have my due date updated as I was incurring late fees every month, due to my financial situation Im only able to pay towards the end of the month past the grace period cut off date. I was advised several times that I was unable, I called Flagstar XX/XX/XXXX to see if they would negotiate the late charges on the account the first representative I spoke to was not able to assist me and seemed very un motivated to help the consumer, I asked if I could speak to a supervisor in which he kept me on hold for over 15 minutes to then just transfer me back into the collections call que, I then had to repeat my situation to the second representative asked what they could do to assist me and my reasons of why my account incurred late charges, the agent advised me that they would require me to pay {$600.00} + my XX/XX/XXXX payment in order for them to remove some late charges, I advised I was unable to do that at the time and that my ultimate goal was bring my loan due for XX/XX/XXXX but with late fees waived so that I had a fresh start as I received help. The agent advised her escalations team would not do that and was unable to assist me, as a consumer I felt like I was not being helped even when I advised that I could make two payments ahead of time. Im asking for my late payments to be waived and possibly have a due date change
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX is reporting a 30 and 60 days late. This information is inaccurate, as XXXX and XXXX are reporting late in months XXXX 2023 and XXXX 2023 and Equifax is reporting XXXX and XXXX 2023. I have provide the bureaus with a letter of proof from XXXX, advising the tradeline is incorrect but the bureaus refuse to update.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

Company is Synchrony Bank. Merchant is XXXX XXXX XXXX. Company did not fully arbitrate my dispute with Merchant. Company made super fast decision in Merchants favor. Dispute involves my cat and approximately {$900.00} in Veterinary charges for tests not done, a wrong diagnosis and wrong treatment from Merchant. Merchant is a theif! Read attached XXXX Reviews from other customers who got ripped off by this Merchant. Company is not fair and obviously arbitrary in Merchants favor because Company gets a lot of business from Merchant.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (IL)

I received a credit on my netspend account from a store I was in. I did a return although the original purchase was half cash Nd half my debit card, the store had no cash so they processed the full amount to my Netspend card. I been threw away the receipt because I didnt need it and Ive contacted the store asking if I could receive another copy but I was told they dont keep copies and cant look up any copies. Ive told my bank that but theyre still not releasing my money.
Consumer complaint received 2019-05-25
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. (NC)

I am a victim of identity theft XXXX Opened XX/XX/2019 + {$130.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (MD)

In accordance With the fair credit reporting act XXXX account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 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.