davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

I did not answer the phone and so I called back the caller, I waited to hear what they had to say and then told them that I do not believe that I owe any thing to the company due to only having funds in one financial institute for many years. Just recently I had received some funds through the institute which this collection company states I owe from, the funds were from my father which made me a private client at XXXX, and I believe if I owed any thing they would have brought it up over the last almost 2 yrs. In order to be a private client you must have excellent standings within the financial institute. So for me to receive such a call and in a language that was not in English, I asked for documentation. I received the documentation but it is not accurate nor familiar at all to me. It doesn't really say anything except some fraudulent payments and judgment info that is not even on my credit report. I do not want them to think they have the right to try and put some collection on me that's not mine. Also they have done this in the past and finally said okay its not your debt and stopped sending and calling me about it. That was about a year and a half ago and now its something else. They used a court house in XXXX XXXX to use as a back up for them and its a clerk that is doing this there. I will attach a copy when I am able while sending this to you. The Midland Collection
Company has a real bad reputation for fraudulent reporting as well as their collection methods... quite honestly I'm tired of them always trying to prey on those they do not think will fight back. I am prepared to go all the way. 
Thank you
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request.

AMERICAN CREDIT ACCE Date Opened : XX/XX/2016 Amount : {$14000.00}
Consumer complaint received 2015-08-23
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MASON MCDUFFIE MORTGAGE CORPORATION (CA)

I am looking at my credit report and saw an inquiry from XXXX on XXXX th which I did n't authorize. As per XXXX their Client Mason-McDuffie mortgage ordered a credit report and I have n't authorized either XXXX Mason-McDuffie to put hard inquiry into my credit report. I request that they removed this inquiry ASAP and no more inquiries moving forwardXXXX Miscellaneous XXXX XXXX, 2013 XXXX
Consumer complaint received 2021-11-13
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: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (WY)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

XXXX XXXX XXXXXXXX XXXX has called multiple In Laws of mine multiple times and disclosing my personal information such as amount owed, etc. The last phone call they made was XX/XX/2018 to my husband in which he was given personal information.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

On   XXXX   XXXX   I notified  U.S.  Bank regarding a change in my insurance coverage. After a very unpleasant conversation with her, she was very rude ... and hung up on me. I called back supposedly spoke to a Supervisor who assured me the information was in the system even read back to me the name and date due of the new policy. I filed a complaint against the person who originally hung up on me, that was filtered and I was told would need to provide more information through a signed in account with them which I was NOT willing to do. Fast forward to today, a month later, I got an email stating my insurance was never paid and past due. So I called back and I was very upset, because I had already notified them a month prior and now I was on the verge of being unprotected and and at potential risk. I received the same rude customer service I had received prior so apparently this is a pattern with them and the same run around from the person on the phone claiming they did n't know, they never knew, never notified, never received a bill, etc. etc. Funny thing is I had called and talked to the insurance company prior to and they stated they sent  2 invoices one  original and  one  past due. Now I needed to AGAIN do their work for them while the whole time they hold my monies for these types of payments. When I asked for the monies to be stopped and I would just pay myself the person laughed and said I do n't have that authority because of the " type '' of loan I have. He also stated that they would only make one payment per year and this is why it was n't paid????
Consumer complaint received 2016-12-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Consultants of California (CA)

Recently while conducting a monitor of my credit report I discovered that COLLECTION CONSULTANTS # XXXX, # XXXX, # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from COLLECTION CONSULTANTS but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX to release my medical information to a third party. My request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (WA)

Message they continue to leave on my voicemail : " Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. '' This has nothing to do with us.
Consumer complaint received 2021-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (IA)

I received an email from XXXX this morning XX/XX/21 stating I have a payment due in two days. However, I have not authorized nor have I applied for a loan with them. Nor have I received funds from them. 

I asked them to send me the load documents to verify its accuracy ; first rep told me to login to the account on the XXXX site to look at my documents as they do not email them. I can't login to an account that I have never created. They advised me to log a police report and send it to them to have the account closed. 

I contact a second rep, was advised they put in a request to have the documents emailed to me and could do nothing else. 

I called a third rep at XXXX, I asked him to verify when the loan was originated, for how much and with what bank? He stated it was created on XX/XX/21 for {$1300.00} with XXXX XXXX ending in XXXX. I have never banked with XXXX and have no accounts with them. Not my loan but whoever created it used my name, SS # and birthdate with their own bank. 

I have placed a fraud alert on my credit reporting agencies and in process of calling my bank.
Consumer complaint received 2024-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (CO)

Service has reported that they have no options for income based payments. Servicer also would not recognized XXXX XXXX as a program & reported that we would need to continue payments, even while in school ( XX/XX/XXXX ). Given the lack of flexibility for income based payments & in school pausing, monthly payments have been difficult ( $ 400 monthly for a low income household ) & loan went past due. Servicer has repeatedly called for collection of payment. However, when calling the servicer they repeatedly will transfer me two to three times per call. Each person then has no knowledge of the conversation had with the previous representative. Also, when discussing payment options with servicer they literally said " well then just go past due '' ( XX/XX/XXXX ). Then when attempting to make calls for payments, they would again transfer me multiple times & on the last transfer, hung up on me ( XX/XX/XXXX ). 
Sallie Mae Credit Service
Consumer complaint received 2022-08-11
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: Credence Resource Management, LLC (GA)

With XXXX I have issued a letter of receipt for Credence acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. XXXX confirmation # XXXX & credence # XXXX
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am having problems with Bank of America they have being holding my money related for the 2 tranfers for almost 1 month in different occasions. First time in XX/XX/2020 they hold my money for almost 3 weeks the time that they received the money to be transferred to my personal account in the USA. The second time was in XX/XX/2020 and right now as i am righting this complain they still have my money going for the 2 weeks in their possession.I have to canceled the 2 transfers from XXXX to USA and the Bank of America which is the intermediary bank not for my choice, and they arei not being efficient in delivery their services with competence. International wire transfers don't take more then 3 days, and please don't give the excuse this is because to Covid 19. the 2 times that i sent money to XXXX XXXX didn't take more then 2 days but the opposite back to USA is being a huge headache. This is not right what Bank of America is doing to me. I am going to lose the opportunity of buying a little apartment in XXXX due too Bank of America inefficiency of provide a professional service. Basically one month holding my money in the 2 canceled transaction in XXXX and XX/XX/2020. The owner of the apt do not want to continue the business and i am losing the apt due to Bank of America delays. it is very frustrating all of this experience. I traced and put an investigation from the sender bank and the 2 times Bank of America was the intermediary Bank involved unfortunately. Bank of America is very incompetent in what they are supposed to do, transfer the money back to my account. I wouldn't be forgiven by Bank of America if this money was to pay a bill to them. They would punish me with a huge high interest. I never will forgive the bank of America for all of my frustration due to their bad service.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

My account was hacked and {$32000.00} was withdrawn from my equity account without my permission. The bank does not believe that it was not my fault. Then they sold my debt to a debt collector that is forcing me to pay back the amount plus interest.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (IN)

Crown Asset Management ( CAM ) sued me in XXXX County, Indiana, and I just happened to find the summons on my front porch step flapping and blowing in the wind. It was only by pure luck I found the notice. If this unattached document had blown away I would have never know I was being sued, but fortunately I did find the summons and I responded promptly. The huge error on Crown Asset Management 's filing was that I do not live in the county where they sued me. Simple research based on my address would have easily indicated that my county of residence is XXXX county Indiana. CAM filed a motion to dismiss the case and then they refiled in the correct county. I was only able to find this out by checking the website XXXX daily to see if CAM refiled in the correct county. The case was initiated XXXX, but as of today I still have not been officially notified. I am a XXXX XXXX XXXX and my time and energy is dedicated to making sure my XXXX needs are met during this very difficult time. In addition to that, I am a mother with XXXX XXXX and the last thing I need is this company distracting me from my XXXX  and my own family. They have repeatedly contacted me before the court filing and have violated the Fair Debt Collection Practices Act by ignoring my plea for them to stop. They have wasted enough of my time and by having to respond to them over and over again without any results is very frustrating.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

XX/XX/XXXX I switched my phone service to XXXX. I paid the initial purchase for both the phone and the Military member service. However, while trying to make this switch from my current company XXXX  XXXX I learned that I couldn't move my XXXX for 6 months after purchase so I decided to leave XXXX  and go back to XXXX XXXX until I could switch my XXXX. I cancelled my XXXX service on XX/XX/XXXX before the bill was due. A week later XXXX charged me for the monthly fee. This was two week early by the way. I contacted XXXX  to have the charges refund but because I couldn't remember my pin and because my account was closed I couldn't access to get the pin so they wouldn't help me. They told me I had to speak to a local store. I then had my bank refund me the money as it was not an authorized charge since I had cancelled my service. XXXX has since sent me to collection. I then went to the store to get my pin so that I could have them correct that I do not owe them anything, but the store rep was not able to access my account either. I had her print the screen showing when I cancelled my account with her name on the document. I only had XXXX services for less than 3 weeks and I do not owe them anything. It seem that this company does not speak to each other. I had planned on returning to them after my wait period was over with my XXXX, but I'm glad I learned how horrible they were so that I will not make that mistake again.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (AZ)

I was never contacted by this company ( IQ Data ) via phone or mail. They had the wrong name and address but left a message with my mother. I returned the call as a willing payer. Both representatives I spoke with were rude, offensive, yelling, and abusive. 
I explained to them that this debt was in regard to a move out balance and because the apartment complex sold the business to another company I could not get my move out balance because they never returned my calls and when I contacted them via email I was told that the company had sold and that I would be contacted. 
When I spoke with the debt collection agency I explained this was not a broken lease or eviction and my arrangement is in writing and still stands. I also told them I never received any letters because they were sending the statements to the addressed the debt belonged to which I obviously no longer lived. I was told by them I had no reason for a dispute and I have to pay the balance in full today or it would be reported to my credit bureau. I tried to give my current address which has also been updated with the USPS, he refused to send me a statement of the charges. He said I did not update my info with the USPS and that was my problem. I was yelled at over and over by agents and as a collections professional myself I am appalled at how they conduct business XXXX ( second agent with IQ Data ) also refused to take my phone number and stated the only thing he would accept from me is a Visa, Mastercard, or Discover. The balance is now {$1700.00} and he refused to give me a breakdown of the charges. I have every intention on paying what I truly owe this company and only reached out to them because I have not received a notice or bill nor did was I made aware of my rights or options.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: URS Holding, LLC (OK)

On this date of ...  XXXX / XXXX / 2017  called ...  Alltran Financial, LP  XXXX   XXXX    XXXX   XXXX   XXXX     Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ...  XXXX / XXXX / 2017 . The customer service  XXXX   XXXX  that 's stated on my letter to contact at this number  XXXX . Kept Sta  ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!.
Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A  BOUT THIS ISSUE ALSO!!!!. THANK YOU.
Consumer complaint received 2019-11-12
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 — Problem with personal statement of dispute
Company: Penn Credit Corporation (GA)

I recently summitted a dispute with XXXX  to verify certain things on my credit such as penn credit collection for {$900.00} and XXXX XXXX XXXX for {$230.00}. Which i was a victim of Identity fraud and i filed a police report as well .I ask them removed or verify these accounts by sending me the name the correspondence on who they spoke with, dates contracts with my signature including applications and time and they did nothing nor did they do a proper investigation to help me they help the consumer because they are being paid to report these items. i have been going back and fourth about these accounts and nothing has been done i took all the right steps as well i enclosed a copy of the law section 609 because these accounts are being reported inaccurate on my credit file