davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management sent abusive letter to sue on around XX/XX/2022 via USPS. I do not have an account with Midland Credit Management. Company is telling consumer that {$820.00} is owed to them and that they are the owner of the account. I have not verbally nor have written any agreements with this company. 

I responded to Midland via Certified Mail. Letter was created to Midland and they received certified mail on XX/XX/2022 asking to verify the account. Also, a Lawful Notice of Demand to respond was sent after the first letter. As of today, no response from Midland has been received for the account XXXX. 

I am unsure as to how they received contact information and has abused me with their letter. I have and am requesting the original contract with this company.
Consumer complaint received 2021-09-14
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: Receivables Performance Management, LLC (CA)

Well to start this off this is my second complaint against Receivables Performance Management. In the first complaint I stated my issues with the company and they sent back a BOGUS response lacking in effort and hearsay.

The first time I spoke with RPM and ask for validation of this debt I was told that they had nothing just " NOTES '' again that is crazy that they are asking for money but cant prove this. Now when they are push to do their job I get a Bogus reply. Seriously they call and talk to someone at XXXX all of sudden and they tell RPM over the phone the charges but cant send any proof of this. This is all hearsay. For one what equipment? I want to know in writing what this is. Second there late fees on what some equipment I do not have .XXXX hasnt even sent me anything on this. 
When I call I get no where but RPM can call they have information? 
I sick of playin this game with BOTH of them. Now I want see a sign agreement, I want see something of the equipment I supposedly have, I want to know when the last payment was made. If these items can not be provided to me then I will take them to small claims court. This needs to be remove from my credit report ASAP.
Consumer complaint received 2020-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor XXXX XXXX at the time contacted myself, my attorney nor the The Federal court. By law if XXXX XXXXXXXX purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, XXXX XXXX did not do this. Nor have they provided me with any proof that a debt is owed to them. XXXX XXXXXXXX has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. XXXX XXXX is attempting to fraudulently collect money they are not owed. XXXX XXXX XXXX has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against XXXX XXXX and XXXX on XX/XX/XXXX. This is my final warning to XXXX XXXXXXXX, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

There is an account with Convergent Outsourcing reporting an inaccurate collection account on my credit reports. I am not familiar with this account and have reached out to them to get validation of debt to resolve this issue. It has been more than 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting documentation regarding this account or for the account to be deleted from my reports now as they are in violation of the consumer laws.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Please see attached letter 's mailed to your XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Consumer complaint received 2020-07-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (SC)

The company continues to report to the credit bureaus that payments are 30 days late every month. Payment was made late in XX/XX/2019 and instead of reporting the month it was late they instead continue to report XXXX and every month since as being 30 days late which is not correct. I have submitted a dispute with the company as well as a good will request and was denied changes to my credit reports. The company is instead asking me to pay about 2.5 months and claims this will correct things and have me current. I am at the end of this loan, I owe approximately {$3500.00} and they're asking for basically half of that instead of reporting accurate information.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc. (MA)

I went through a period where I moved from my home and because I had not found a new home yet, I was living in temporary housing. So during a four month period I was living in three different  places. Each had service with XXXX XXXX. Each time I moved I transferred service and provided my new address, etc. My phone number always stayed the same as I use my cell number exclusively. Now, over a year later I am applying for a mortgage to purchase a home. My credit has always been excellent. I have never not paid a bill and strive to be timely with all payments ... never over 30 days. I pay most of my bills via direct autopay to avoid being late to protect my credit. I was shocked to see that XXXX XXXX had placed me in collections in XXXX 2016! for the period of time when I was in two months temporary housing! I have had service with XXXX for over a year now at my new address, have been told by a XXXX agent that my payment history is 100 % perfect. The record shows that a payment I made during that time period was actually credited to my former residence. XXXX is now saying that they sent me a letter in XXXX, 2016 to tell me that I was being placed in collections! I just do n't believe them. I open all of my mail and if I EVER saw something like this I would NOT ignore it!!! Even if they did send it ... this is the only communication that they sent me! I have been a XXXX customer for a very long time and I am extremely upset. This is going to cost me an extra $ XXXX {$10000.00} to purchase my home because of the way it has impacted my credit. It is unfair. This is so upsetting to me I can not sleep and it is all I think about. I need this to be removed from my credit report because I do n't think the manner that they addressed this was fair. I was NOT properly informed of a debt and was put into collection without my knowledge.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX, I have been a long time card holder of Capital One ( Last four ending XXXX ). On my credit report there is a 30 Day Late Payment for Capital One. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to Capital One in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both XXXX and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with Capital One has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have XXXX and XXXX updated to remove the 30 day late.
Consumer complaint received 2018-07-09
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. (WA)

I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Consumer complaint received 2019-05-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

I had my townhouse financed through XXXX XXXX for about 9 years. XX/XX/2019 I was notified that my loan was sold to Flagstar Bank. My loan is PITI with  payments of {$430.00} per month. On XX/XX/2019 I sent my first payment to Flagstar, XX/XX/2019 sent my second payment, XX/XX/2019 sent my third payment. On XX/XX/2019 I was notified by Flagstar that I was behind on my loan and was told that I needed to pay $   XXXX XX/XX/XXXX. I have never missed a payment! I called Flagstar ( I was on the phone with them fo 4 hours ) to se what the problem was. I was told that when Flagstar bought my loan that they also bought insurance for me at a price of {$1900.00}, and that my new payment is {$820.00} per month! I informed Flagstar that I already have insurance on my townhome with XXXX. I have been insured with XXXX  the whole time that I have owned my home. I was then transferred to Flagstar 's insurance division ( had a three way call ). Told them that I already had insurance and had XXXX Fax my policy over to them ( it is good thru XX/XX/2019 ). The person that I had talked to in the insurance division with Flagstar said I see on you paperwork that you do have insurance, and it looks like you should get a refund. Then I was told that I needed to make a payment of {$820.00} to get my loan up to date! I have never missed a payment!!! I never gave Flagstar permission to purchase insurance for me. I already had insurance. Flagstar is now charging me late fees and are about to hurt my credit. I am afraid if this doesn't get straightened out soon I may lose my home. I am on XXXX and can not afford all of this.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i'am a capital one customer and also part of a reward program named drop. from XX/XX/XXXX till present I have not been able to access these points from my purchases using my Capital One card because they are not allowing third-party access and I would like them to allow third-party access on my account through drop thank you
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OH)

I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. 

After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I purchased two items online from Best Buy using my Citibank Best Buy Credit Services Card ( XX/XX/22 and XX/XX/22 ). XXXX was to deliver them. Neither item were delivered and the status for the items were listed as " delayed ''. A week later, I had XXXX  run traces on the items and was told that they were " lost ''. At some point later, XXXX changed the " tracking status '' from delayed indefinitely to " delivered '' and backdated the delivery dates to XX/XX/22 and XX/XX/22, with no record of the " delayed '' status appearing in the history of the item. This is FRAUD! Best Buy told me to take it up with XXXX. XXXX told me to take it up with Best Buy Credit Services. 

Best Buy Credit Services claim to have conducted an investigation but all that entitled was printing out a copy of the fraudulent delivery status. I submitted additional documentation showing that the date was backdated and no action was taken. 

Every time I call Best Buy Credit Services ( Citibank ), I get a call center and am " transferred '' time and time again to other call centers. I have asked for contact information for their Corporate office and for their legal division, but they refuse to help. 

I have also filed complaints with XXXX against XXXX, Best Buy, and Citibank
Consumer complaint received 2023-01-27
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

Someone opened a XXXX XXXX for {$10000.00} credit in my name on XX/XX/22, then they tried to open XXXX XXXX and XXXX XXXX cards in my name around XX/XX/22. I have contacted all XXXX companies. But they are sending me letters saying I am " disputing a transaction ''! I am NOT disputing a transaction -- I am DISPUTING THE WHOLE FRAUDULENT CARD! 

I filed a police report, an FTC report, a report XXXX all XXXX credit bureaus, an alert to the XXXX XXXX XXXX XXXX in Florida, and alert to the Senior ID theft website, and everything else I can think of.
Consumer complaint received 2023-01-27
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. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be repaired or removed. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get discarded immediately : 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 2020-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (AL)

I received a {$100.00} gift card that was through MyPrepaidCenter. I placed my card with other gift cards and was planning on making a large purchase and using it. I let my card expire and I contacted MyPrepaidCenter.com once I realized my error. They informed me that the money was no longer available, but their website says otherwise. Their URL ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) clearly state : " The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. ". I have requested on two seperate occasions for a replacement card and MyPrepaidCenter is giving me the run around.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On the credit report of Transunion. IT shows the accounts of XXXX # XXXX and XXXX # XXXX of showing on my credit report. These accounts are not mine and have been reported to the police as fraud. I have also attached the police report to the dispute. Please remove the accounts from my Transunion credit report.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have an account on my credit report XXXX XXXX says it was opned in XXXX and now closed in XXXX. Explain to me how that 's possible. This is reporting incorrect information, and you the CFPB refuse to do anything about it. I also wanted to mention if Transunion is saying I have a bankruptcy, on my credit report. The way this is reporting is also wrong according to the federal bankruptcy laws & gt ; you can not have closed as Derogatory account on your report according to the federal bankruptcy laws Take a look at the way this is reporting Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Auto Lease Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$12000.00} Payment Status Unknown Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Chapter XXXX ; dispute resolved/ consumer disagrees Payment History Latest Status : Unknown No payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Experian regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Experian adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (NV)

Id like to dispute Franklin Credit Services charge for {$330.00}. This is an account that has been in dispute with XXXX XXXX XXXX ( acct : XXXX ) and is due to identity theft. XXXX XXXX XXXX concluded an investigation with incomplete information and reinstated collections. I am attempting to reopen the dispute with XXXX XXXX XXXX but theyre being uncooperative. 

The police report on the identity theft is : XXXX XXXX Metro Police - XXXX
Consumer complaint received 2021-05-23
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. (CA)

On XX/XX/2020, through XXXXXXXX XXXX XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company XXXX XXXX XXXX on two separate occasions but they simply ignored my two items of correspondence.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX  XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see attached letter 's mailed to your CARDMEMBER SERVICES XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX  Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.