davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (TX)

The CFPB filed a Consent Order against XXXX XXXX in 2015 with some very stiff penalties, yet the CFPB allows those it penalizes to police themselves. XXXX XXXX has not and will not pay the full penalties that it should, nor will they ever admit to how many people they cheated by using false or robo-signed affidavits. 
I challenged Midland using this very complaint form late last year, and they decided " my case is not one considered eligible under the Consent Order ''. I objected to the use of robo-signed affidavits, bringing up the fact that several states had sued Midland over the use of these affidavits, and that Midland had even sent out affidavits signed by a woman that had been dead for several years. The judge in my case ruled in Midland 's favor because they had a spreadsheet with my name and a dollar amount on it.

When I filed a complaint here late last year Midland decided that they would remove any trace of the collection or judgment from my credit report. Would they have done this if they knew that they had a legal valid claim to this case? I think not. They most likely thought that I would be appeased by this. They were right. Until yesterday.

I received in the mail from Midland a form to fill out asking for all of my personal information including information about my spouse, place of employment and my work address and work phone number ( so that they can harass me at work and get me fired because they are keeping me from doing my job, there is a reason they are not allowed to contact you at work if asked not to ) so that they can see if I can pay the judgement they were awarded almost 5 years ago. Midland knows that they have no case against me, if I bring up the Consent Order. THEY KNOW THAT MORE CASES THAN THE ONES THEY TOLD THE CFPB ABOUT ARE ELIGIBLE FOR RESTITUTION!!!

Midland needs to make restitution eligible to all of those that fall into the categories penalized under the Consent Order.
Consumer complaint received 2022-04-12
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)

This inquiry IS NOT an admission to this debt. 

On XX/XX/XXXX, I contacted Experian regarding a debt that was recently reported on my credit. My credit report states the collection agency is XXXX XXXX, collecting on a debt originally from XXXX XXXX XXXX. It states the collection was opened on XX/XX/XXXX. I asked for the collection agency to provide proof of this debt including the original date of last delinquency to determine if this debt is time-barred ( meaning the statute of limitations window is closed ), proof of any signatures authorizing the opening of this account, and proof that I was notified in writing from this collection agency that they were attempting to collect on this debt and that they were reporting it on my credit. 

On XX/XX/XXXX ( one day later ), I received a message from Experian stating that the company ( XXXX XXXX XXXX has certified that the information is accurate. My official statement is that this debt and the information regarding it IS NOT accurate or correct. 

The FDCPA ( Fair Debt Collections Practices Act ) requires a collector to send you a written notice containing the name of the original creditor, the amount you owe, a statement saying you have 30 days to dispute the debt and information on how to dispute the debt collection. Not only did this collection agency not provide any proof of the debt like I requested, but they also did not send me any notices regarding the collection of this debt as mentioned above. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from debt collectors who engage in this unlawful behavior.

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies are to only report debts that are correct and accurate. Currently, Experian is reporting this debt that falls under unlawful behavior and tactics by the collection agency.
Consumer complaint received 2022-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Hello My dad passed away in XXXX. I am legal his only heir ; and gained his home as the legal right of successor. The representatives of this company have given me misinformation all through the process & refused to accept payment from me. On the last call ; I was told that they have the information & can see it ; but its sitting in the wrong department ; therefore it wasnt processed. The representative also told me I need to apply for the mortgage & go through a whole different process ; which is not the right of successor that I am entitled to. Through this process they can deny me & keep the large amount of equity in the home. So they are foreclosing on me. The representative denied me a copy of the foreclosure letter & the right to speak to a supervisor. The representative basically told me it was my fault that the paperwork was sitting in a different office & not transferred to the correct department. 

I can provide documentation to support what I am saying & witnesses as well.
Consumer complaint received 2022-04-12
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. (TX)

FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XXXX XXXX someone used a former checking account in XXXX, Minnesota XXXX for two different transactions, the account in question was changed over by a new bank but apparently they were still accepting checks from the old bank account although they had changed on XX/XX/XXXX. Someone also used the former checking account again on XX/XX/XXXX in XXXX XXXX Illinois. The bank has reversed all charges and has not held me responsible but in the meantime I have been sent to a credit bureau by XXXX and I have to file a report online of identification theft and also contact local law enforcement, and Im waiting for paperwork from XXXX regarding fraudulent charges and can not even purchase anything there with my current debit card until all is cleared up
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC (DE)

Every month I get statements from BMW stating that I made a payment. I have repeatedly tried to contact BMW, with no response. I've contacted their privacy team, no response. Nothing I do gets a response from this company. Since someone used my email when they got their loan, I now have access to all of their personal information and BMW doesn't care. CFPB is my last attempt at trying to get this off.
Consumer complaint received 2018-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (WY)

Dear Director Of Operations, I agreed for a Deed In Lieu arrangement and was promised $ XXXX for moving assistance. Now 90 days has passed with-out any update or payment. Still I request for the FTC and CFPB to start a investigation on this firm : XXXX XXXX. I am requesting the payment be sent to me via USPS with a tracking method. Nationally a deed in lieu ends after 90 days. At the moment, I feel they aren't fulfilling their promise to pay. The forms and keys have all been given to XXXX XXXX. I must insist they honor the promise of payment as soon as possible.
Consumer complaint received 2019-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Consumer complaint received 2022-04-12
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (CO)

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ). 
It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX  XXXX  FLAGSHIP CRD XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-21
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. (PA)

I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXk XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  EXPERIAN - XXXX XXXX XXXX- XX/XX/XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX  Please Remove XXXX XXXX XXXX  Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (ID)

I had a XXXX XXXX XXXX account through Synchrony Bank. I was make automatic payments for my XXXX XXXX XXXX via this account. Somehow, on multiple occasions, the account was used for fraudulent charges AFTER I had paid off the account. Upon the first time calling Synchrony, they cleared the fraudulent charges. Then, it happened again. At this time, I had paid the phone off, and was no longer using the phone, or the associated email address as I had moved on to using a newer XXXX. The account started withdrawing automatic payments from my account, to pay for these fraudulent charges. Synchrony has made no attempt to repay these payments to me, and since the email address, and mailing address they had on file were no longer valid, they could not get ahold of me ( they never tried calling, or validating my email, or mailing address ) and sent the account off to collections. 

Over the course of 6 months, after many " fraud '' reports via Synchrony bank, and multiple times of them telling me that they felt the charges were valid, Synchrony finally this past XXXX of 2021, determined that these charges were in fact ALL fraudulent. I never had a credit card issued to me for this account, as it was JUST for my phone, and there was no way I could have made these charges. But, sadly, they had already sold the account to XXXX XXXX XXXX. I have a letter, in hand, from Synchrony, that shows that their fraud team has determined that these charges were fraudulent, but XXXX XXXX XXXX says that this is not enough, and will not remove these charges from my credit report until I file an official complaint, notarize it, file a police report, etc. It's really just a nightmare, and meanwhile, I am having a difficult time buying a car, and a home, for my young family. This is very frustrating. XXXX XXXX XXXX will not stop harrassing me, and now I am following my due diligence of doing what they have asked and filing a report on this website and notarizing it, etc. 

Again, I have the letter from Synchrony in hand, and a digital version of it ( printed and digital ) that says that these charges were in fact fraudulent. But, XXXX XXXX XXXX will not comply.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

The amount of {$820.00} is what Credit Collection Services keeps claiming that I owe for a visit that I had made to XXXX XXXX in the fall of 2020? I've repeatedly informed this company that I had paid my medical bill at the point of service but for some reason they keep blackmailing me to pay an outstanding surprise bill/debt of {$820.00}? 

Please see attached fraudulent invoice they keep sending me.
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion doesn't reply to any correspondence moving forward i will only sent certified mail XXXX  Sales Financing XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Cards Issued by Finance Companies XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. The account that you have listed on my credit files, are the result of identity theft and should be removed from my credit file as soon as possible. Please be advised that you are in direct violation of the Fair Debt Collections Practices Act, this is against the law. XXXX currently is reporting inaccurate accounts to my credit report, these accounts should be removed from my credit file as soon as possible. 

I have attached my police report and well as FTC Report.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

This is a complaint about MoneyGram and their REFUND for canceled transactions.

There are two instances where MoneyGram was supposed to refund the money to my debit card ( the method of payment ) within XXXX business days and failed to do this. 

Instance # 1 {$600.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX could not reach the agency to pick up the money due to the pandemic lockdown. I canceled the transaction and received an email on XX/XX/XXXX from moneygram saying the following : " Your transaction has been canceled and will no longer be processed. We will refund the account you used to pay for your transaction. Refunds to a credit or debit card typically take XXXX business days. 
While the funds have been withdrawn, your bank XXXX not show a charge immediately. '' *** this money was never deposited or reverted to my debit card Instance # 2 {$100.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX went to pick up the money in XX/XX/XXXX and the agency said the money was no longer available and that they had cancelled the transaction at that time. They told my receiver that the money would be refunded to my debit card within XXXX business days. 
*** this money was never deposited or reverted to my debit card In my complaint " cases '' with MoneyGram they emailed me the following today ( XX/XX/XXXX ) : '' If the money is still not posted back to your account, kindly present the cancellation email from MoneyGram to your financial institution/bank for proof that MoneyGram successfully refunded your transaction. Please talk directly to a card XXXX. '' I called my bank today XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they were trying to submit a complaint to their card services who said I can't no longer do that because VISA rules are for challenges to be within 6 months. 

Somebody has posession of this {$700.00} and we don't know whom. This is not right and I would indeed like for MoneyGram to have something explicit on their website that if the money is not refunded within the XXXX business days that the consumer has X amount of time to file a complaint.