davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This credit card debt charged off back in XXXX/XXXX/XXXX. I was taken to court XXXX/XXXX/XXXX. I could not pay. I was repeatedly taken back to court XX/XX/XXXX and XX/XX/XXXX. In which I still could not pay However in XXXX a garnishment was ordered I appeared back in court XXXX/XXXX/XXXX and an order of exemption was granted. All of these times the creditor did not appear in court for anything. From the time from XXXX XXXX up until XXXX XXXX I had not heard anything from the creditor. I received an order to garnish my wages XX/XX/XXXX. I appeared in court yet again XXXX/XXXX/XXXX. Creditor was contacted by judge and failed to answer or call back nor did they appear. I was granted an exemption. A judgement was placed against me in XX/XX/XXXX. The Statute for this kind of debt is 5 years and as It has been well over 14 years and makes it time-barred. They continue to take me to court or threaten to take me to court. They never show up but they ask for all my information. For ten years I heard nothing from them. I have worked for the same company for well over that time. The debt was never renewed I never promised to pay. I have appeared every time in court. This debt is too old to be collected on anymore. I asked that it be dismissed. They stop harassing me by threatening to take me or taking me to court. I have sent a letter to cease and desist on trying to collect on the debt because of how old it is. As of XXXX/XXXX/XXXX as they have threatened to take me to court again.
Consumer complaint received 2016-08-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

I have informed MIDLAND CREDIT MANAGEMENT INC that the account that they are trying to collect on is an act of fraud I have filed a police report and submitted it to the original creditor also filed out a FTC AFFIDAVIT I have advised midland I know 15 times it is against the FCRA LAW TO COLLECT ON A FRAUD ACCOUNT. I HAVE ALSO ASKED THEM TO NOT CONTACT ME DUE TO THE FACT THAT THEY ARE HARASSING IF IT DO NOT STOP I WILL PRESS CHARGES
Consumer complaint received 2018-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

I received a notice from Superior Court of California regarding XXXX XXXX XXXX. 

I don't know who this company XXXX XXXX XXXX is as I never had an account with them. The notice says it's collecting for XXXX and I also never had an account with XXXX.
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLD KEY CREDIT, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT GOLD KEY CREDIT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX   XXXX DOBXX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

This complaint is with Santander Consumer. First off I had no idea who my auto loan was through up until recently when I went online to check my credit score and saw they now have reported 3 missed payments on my credit report. I spoke to a representative about this issue and she advised me that this was a reoccurring problem theyve been having with multiple accounts they have with their customers. She also stated that they have been attempting to reach out to me but from what I can tell from my phone records I obtained separately through my carrier they continuously use different phone numbers. So because its never the same number my phone automatically filters it as a potential spam call which means it mutes any unrecognized call.
Consumer complaint received 2020-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

I check my credit score often and on my credit reports I have no knowledge of rmp service the from where its coming from I know its a medicine place it says but I never heard of it and im very upset its on my credit report I tried disputing it and I have no papers from it its just on my credit
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Ive been with my partner since XX/XX/XXXX-XX/XX/XXXX. 
Lived with him, we currently have same billing address, same home address on my drivers license, etc I moved out XX/XX/ from XXXX XXXX, not feeling safe and my belongings were missing and he started disputing charges on my XXXX   account and anything from our relationship ... who knows what else when I left ... 

He lent out his cards and gave permission to use it and gave me his pin ... he was present at the times of the purchases. He told me his pin, birthday, the numbers etc. Years of approving until I moved out XX/XX/. Hes stating that its fraud, unauthorized transactions with his space coast union credit bank and discover cards. Clearly, theres been many transactions where hes bought airline tickets for me and him, transactions from XXXX throughout the year, stores, nail salons, etc ... with the same cards. Never once did he dispute anything until I left. Now Im supposed to pay for his chargebacks on my XXXX  account. 
I have evidence we were together ( emails and texts ) and many witnesses including his son that he let me use his card.
Consumer complaint received 2022-11-17
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. ()

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2022-01-06
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX  BANK XXXX
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.
Consumer complaint received 2021-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (TX)

Community Loan Servicing, LLC. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Florida, XXXX, United States. 

XX/XX/2021, I mailed a cashier 's check to Community Loan Servicing, LLC., in the amount of {$4000.00} which was to be applied to the principal portion of my mortgage. In addition, I included a letter stating that the entire check was to applied to the principal only and this was also indicated on the check itself. Community Loan Servicing, LLC., took it on themselves to pay my XXXX and XXXX monthly payments, and {$2100.00} was applied to the principal of the mortgage. I called Community Loan Servicing customer service and the representative reversed the transaction and applied the entire {$4000.00} to my principal. They admitted that they made a mistake, but if I had not stayed on top of this blunder Community Loan Services, LLC. would have got away with misappropriating my cashier 's check money meant to be paid on the principal of my mortgage. Unfortunately, I would have continued to pay more interest on my outstanding balance which would have been a plus for them.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

I am currently with XXXX a consolidation company, they send payments to XXXX XXXX every month for my past due bill however they continue to call my phone like 10 times daily regarding my account and report it to XXXX which lowers my credit score.
Consumer complaint received 2020-10-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  XXXX Inaccurate XXXX   XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2018-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

XXXX Wells Fargo bank XXXX XXXX Florida and all branches* said I went to the teller window and withdrew funds and wrote checks, I was in a facility through the entire time and before a XXXX Circuit Court Judicial Judge XXXX XXXX , the amount lost or stolen was greater than {$2000.00}. I was told the claim was denied, that the signatures matched. I was given copies of the withdrawal slips, I did make withdrawals at the teller window after XX/XX/, and the slips had my signature, there were alterations on the bank slips. The checks I was said to have written are said to be lost or stolen, they were never recovered, the funds were never returned to me.
Consumer complaint received 2018-01-29
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. (HI)

I received a notice of credit adjustment from Citibank dated XX/XX/ 2018 as part of a class action lawsuit. The account in question has since been closed and I was instructed to call the number listed on the letter to get help with receiving my refund. When I called them they gave me another number in order to retrieve this refund from a closed account which led to me being routed to several different departments over several days. Finally the last department I was instructed to call today was out to lunch. I called back as instructed and I waited on hold for about 30 minutes before I decided to use the option to leave a message for someone to call me back. The message stated the mailbox is full and can not accept messages. I cant get a hold of an actual person to help me get my refund issued.
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Performance Settlement, LLC (TX)

I was contacted by a program called XXXX XXXX that supposedly helps reduce your student loan. I recently graduated and thought it would help. I was a victim of Hurricane Harvey and needed all the help I could get so I jumped on it. After agreeing to their services I later researched their company and found that they charge for a service that students can do on their own without assistance. I was rushed through the signing process and not given a good explanation of the program. They stated " If you don't act now you might not qualify later because the government is trying to do away with these program ''. Then she promised to lower my student loan to {$35.00} a month. I was blinded by the hope of reducing my student loans. 
When I called back to speak with the representative she didn't exist? This program scammed me into depositing XXXX and was planning on taking over {$1000.00} for a service that any one can do without assistance. I finally spoke to someone and he denied to help stating its my fault for signing a contract and that he could not honor my request to stop the service. 
This company scams you by luring students that just graduated promising to help them with a ridiculous number. I fell for it because I didn't research it first.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. XXXX # XXXX If account can't be VALIDATED it must be removed
Consumer complaint received 2021-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion claim to verified these accounts attached in this report yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of  receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et  seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. Trans Union, LLC ( n.d.ill. 2004 ), I therefore  request a block of these accounts according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 )
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.
Consumer complaint received 2017-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Over the last 3 weeks, I have received a minimum 8 phones calls per day from Bank of America concerning " pressing business matters. '' Typically, I receive a phone call, then within 10 minutes I receive a second phone call. Within a few hours, this process repeats itself. I have contacted Bank of America and discussed the issue and was advised that until my account was up to-to-date I would continue to receive the phone calls. I explained that I was receiving several phone calls per day and that I considered it harassment but was informed that this would continue until i made a payment on my account. I advised the customer service representative that all of my accounts were up to date and they apologized after some quick research. I was further informed at that time that they would ensure that the phone calls would stop and that they had submitted a " call stop '' on my phone number. I was also informed that since I requested a " Call Stop '' that I would not receive any phones calls regarding any of our 5 accounts. However, within 30 minutes, I received yet another phone call from Bank of America concerning a " pressing business matter. '' I did speak with a third manager ( XXXX XXXX ), who as very kind, understanding and listened with intent. She informed me that she could not see where Bank of America had made any outbound calls to my number. The only thing she could see were 2 call backs. This is simply not true. ( 1 ) I receive, at minimum, 8 calls per day, ( 2 ) both times that I spoke with Customer Service Representative and Managers, I did so by staying online until I actually got to speak to a human being. Unfortunately, there is nothing that XXXX XXXX can truly due. I 'm certain I will receive yet another call within 10 minutes of hanging up with her.