davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

a. I have sent you request dated XX/XX/2018, XX/XX/2018, and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
b. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
c. I have sent you my request dated XX/XX/2018 and XX/XX/2018 for you to confirm the balance owing on the above referenced matter and for you to confirm that you would accept full payment of the alleged obligation from defendant in consideration of your delivery to defendant of the original instrument of indebtedness in its original form. 
d. I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter.

e. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX XXXX, is in some way related to defendant. Defendant is not a party to this implied relationship you have with XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, Defendant do not understand how to respond to you inasmuch as defendant is unaware of any contractual relationship between us.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Credit inquiries I don't recognize in my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-29
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 (MD)

Capital One was sent several letters, requesting account verification, status, and and investigation into this account stating it was in a ( collection/charge off status/included bankruptcy. I have received a correspondence from them stating that the information requested could not be provided as allowed by law. According to the Fair credit Billing Act and FCRA15 U.S. Code 1681i requiring compliance, then the negative information must be deleted and the account being reported to the bureaus reflected. According to the FCRA 15 U.S. Code 1681e ( b ). Capital One must maintain 100 % accuracy whenever it reports. Duty to provide notice of dispute. My consumer report shows that my account was included in a bankruptcy. Capital One was requested to provide all documentation from a court with all information leading me to believe that is account was included in a bankruptcy. The information requested included, all documents with my signature, account number, and capital One 's complete information regarding being included in a bankruptcy. This company has also had a recent data breach in which it failed to notify me that my personal information may have been compromised. This is also a FCRA violation for failing to protect consumer privacy data.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I confirm that I have received written communication from you dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wherein you make reference to the above captioned matters. 

It is apparent that either : 1. You are acting on the presumption that some relationship that you may have with XXXX XXXX, XXXX and XXXX, XXXX, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship you have with XXXX XXXX, XXXX  and XXXX, XXXX, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us ; or 2. You have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to XXXX XXXX, XXXX  and XXXX, XXXX, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and XXXX XXXX, XXXX and XXXX  , XXXX  .

If indeed you have entered into such a contractual relationship with XXXX XXXX, XXXX  and XXXX, XXXX, as set forth in clause ii ) above, then I hereby confirm that I accept your offer to reduce the amount of the alleged obligation and I confirm that I would like to make arrangements for settlement of the above referenced matter immediately upon you providing me with your written and legally binding assurance that you will accept payment in full settlement of this alleged obligation in direct and immediate exchange for the original instrument of indebtedness in its original form that you must now be holding pursuant to the aforesaid contractual arrangement between you and XXXX XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2019-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

XX/XX/XXXX Midwest Recovery Systems sent me a letter with my confidential medical information. Ive never signed any legal document giving Midwest Recovery Systems permission to obtain my personal confidential medical information. This is a clear HIPPA violation and the debt doesnt belong to me. I responded in writing XX/XX/XXXX and have yet to hear back from Midwest Recovery Systems. But what they did do was flag my credit report for a debt thats doesnt belong to me. 

XXXX XXXX XXXX continues to sell this alleged debt. This is the fourth time they have sold my confidential medical records in attempt to collect an alleged debt. Im ready to pursue legal action due to this reckless behavior they continue to display. They have no ethics and need to stop selling patients CONFIDENTIAL information for profit!
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I have been negatively affected by the information Equifax has in my file. The information has not been updated in over 6 years. Accounts missing and old accounts that have been paid in full and closed are still showing. I was just denied credit due to Insufficient Credit References. I have over a dozen active accounts that are all current and have never missed any payments or even been late. This has been a problem for years with Equifax and the last time I spoke with them, they stated that if the creditors dont report, they can not update. How is that right, when XXXX  and XXXX  seem to keep up with my accounts. This is ridiculous.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2019-02-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

Today, XX/XX/2019 we used a service on our XXXX XXXX app called XXXX. We used it to attempt to buy concert tickets for {$150.00}. We foolishly believed it to be safe because it was offered through our own bank and was offered on the app as a safe and secure way to send money. Immediately after sending the money the person offering the tickets dissappeared. At this point we looked in to XXXX online and discovered the multitude of scams. We called XXXX XXXX and filed a claim but they said there really isnt anything they can do because we authorized the transaction. We tried to talk to XXXX and they said there is nothing they can do. I understand if we cant get our money back, but I find it shocking that they say there is nothing that they can do. I would think that they would want to try to track down the scammers and shut down their accounts. They didnt even bother to take down any information. If the scammers are allowed to continue to do this with impunity, it will just keep happening to unsuspecting victims. I dont understand why they wouldnt want to try to put a stop to this type of activity. Additionally, as a service that is provided through my financial institution and is touted as safe and secure I would think that my bank would want to make every possible effort to try to put an end to scams. They should definitely make it more clear that there is absolutely no protection, but additionally, they should actively try to peruse action against the perpetrators of these crimes. XXXX should be actively trying to shut down accounts of scammers. They should be attempting to prosecute these scammers. They should be tracking who is involved in these scams and they should be working to avoid letting them start new XXXX accounts. They certainly should not be telling people, This is your fault and there is nothing we can do.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP (NY)

Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 XXXX  XXXX XXXX ( XXXX ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said XXXX was the credit bureau that was involved. 

They failed to provide my XXXX report. 


- They also failed to provide a proper phone # for XXXX. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (NJ)

I made a payment for XXXX to Avant card services on XX/XX/2022. I made one purchase for approximately {$15.00} and thereafter my funds were inaccessible. I was told the company was having issues on their end and would notify me when my funds were available. I never received a email. About two weeks later I was able to use my card, and I did. On XX/XX/XXXX, avant said they returned my payment. Today is XX/XX/XXXX and My bank ( XXXX ) has no receipt of a returned payment. I have called Avant four times to resolve this issue and ask where the returned payment was sent to and they did not provide this information. I also emailed them on XX/XX/XXXX my bank statement, to show my payment posted to my account on XX/XX/XXXX.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (MI)

My name was XXXX XXXX XXXX. I did a legal name change via the courts ( I have documents and proof ) and I updated with the social security office. 


My name is now XXXX XXXX XXXX XXXX I made a new cash app account. When I try to add my phone number, it says that it is linked too many accounts. I then tried to sign in with my phone number to delete the old account and it says, " you can not sign in, your number is linked to too many accounts ''. 

My number is ( XXXX ) XXXX, I need my number connected to my new account and removed from the old account. 

new cash apXXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

I submitted a Dispute Letter to the company and according to them they are stating that the account belongs to me without verification of the debt whatsoever. 
In my dispute letter XXXX asked for specific information, of which they have failed to provide to me as per my request. 
I did not sign a contract with this company that binds them to me and me to them. So how can they state that I owe them any money? I DO NOT owe this debt to them as they are stating.
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (FL)

Received a letter XX/XX/XXXX from United Collection Bureau , Inc concerning collection of a XXXX, XXXX XXXX Consumer Account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting information : name and address of original creditor, copy of the original signed contract , delegation of authority, and a complete account /statement of payments, interest, fees, etc to support the validity of the debt. To date, I have not receive this information, but I have received many calls from this collection agency at home and at my work. My job does not permit to accept this personal calls and these calls may jeopardize my employment.
Consumer complaint received 2019-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (NC)

This is the second complaint against Kending Club concerning my loan with them, the deceptive tactics and misleading information, and the fact I spoke with their consumer advocacy associate and asked her specifically to tell me what I was due on my account XX/XX/XXXX because I was in the midst of closing on a home equity line of credit to pay them off. She then tells me she would get back with me. Three days later she then gets back with me. I had the money to get the account current and it is my belief that after speaking with her and reaching out to XXXX XXXX by email over 8 times, my situation with my area being declared a natural disaster or the fact that Im trying to pay them off through my home equity line of credit, means absolutely nothing to them. Worst customer experience of any business I have ever dealt with. Its because of there miscommunication, Im in the position where I can not close on my home equity line of credit to pay them off.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, Experian and XXXX  to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Michael Wayne Investment (VA)

I made my last car payment on XX/XX/2022 and was told that they would defer the late payments to the end of the loan. My next payment ( which would have been current ) was due on XX/XX/2022. I was not able to make that payment then but had to wait a week. On XX/XX/2022 I rescinded my rights according to to Title 15 USC 1635 ( a ). I sent in a letter notifying them of this right that I was applying. I also noted subsection ( b ) of Title 15 USC 1635, and the clause which states " If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.

Two days later they came and took the vehicle from my driveway. Today ( XXXX XXXX ) I called to have them return the vehicle. They told me that I would have to pay off the remaining balance of about {$18000.00} in order to retrieve the vehicle. 

This is a violation according to Title 15 USC 1635.
Consumer complaint received 2019-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a late charge from my Capital One credit card which had a XXXX balance at the time. A charge was made by XXXX XXXX XXXX to my Capital One card  that was NOT authorized. The XXXX XXXX XXXX account was frozen at the time and should not have been charged to my Capital One account. The charge went through and since the Credit Card was at a XXXX balance before I was unaware that there was now a balance. I got no notification from capital one that there was a late payment due to this charge from XXXX XXXX XXXX. Once i figured out that there was a balance on the card that is now 30 days late. I immediately paid the balance which was only about XXXX dollars and let Capital One know what happened. Capital One refused to reverse any negative report they reported to the credit bureaus. After years of having 100 % on time payments I now have this one late payment that has tremendously impacted my credit. This is wrong and needs to be corrected. I never authorized the charge that ended up putting my account late. Please remove this from all credit bureaus. 

The account in question is : Capital One USA NA Account XXXX For the month of XX/XX/2018 2018
Consumer complaint received 2022-09-02
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. (MD)

I had a student loan and began XXXX XXXX for XXXX to begin a career in XXXX. We were expecting a child. My Girlfriend died due XXXX XXXX XXXX complications. I had to adapt to provide and care for My Daughter. That was the reason for that time frame of neglect. They took My Federal Taxes to pay this. Several years of this and its paid. XXXX I had received most of my Fed Taxes. XXXX All of My Fed Taxes. Now that 12 years later, I've worked hard to rebuild a life, these marks effect me and my family growth. 
over the years I have attempted to resolve this with them on the phone and disputes. I get a run around. I have 1 student loan and they made 4 damaging marks from it. all bearing same account number. I have to mention that I feel attacked by them from this. For years I paid thousands and thousands from my federal taxes and they still show up I owe? docent seem right. People in these situations are down. They know that. But, I never gave permission/agreed to open one or multiple improper accounts bearing my name and info. 

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

15 U.S.C.1681 section 602a states I have rights to privacy.

15 U.S.C. 1681section 604 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


( the account # s were from my report printed out and showed the XX at end. provided by Experian. ) Account name U S DEPT OF EDXXXX Account number XXXX Balance {$8600.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, IA XXXX