davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I HAD AN OLD ACCOUNT FROM XXXX ABOUT 18 YEARS AGO WITH WENT INTO NEGATIVE STATUS DUE TO DISPUTE ITEMS. THEN I WAS SUED BY AN ATTORNEY NAME XXXX XXXX XXXX XXXX XXXX XXXX REPRESENTING XXXX XXXX XXXX INTO CIVIL COURT. WITHOUT ANY NOTICE I RECIEVED A DEFAULT JUDGEMENT AROUND 2006 THEN I WAS FORCED TO START PAYING AN INSTALMENT WHICH I COULD NOT AFFORD, THEN A FEW YEARS LATER I RECIEVED A LETTER FROM XXXX XXXX XXXX TELLING ME TO DISREGARDS ANY CORRESPONDENCE IN THIS CASE REGARING THE OLD DEBT. NOW AFTER 10 YEARS I AM SUED AGAIN BY THIS SAME ATTORNEY AT CIVIL COURT WHICH IS NOW IN PROGRESS, I FEEL THAT THIS ATTORNEY IS TRYING TO RIP ME OFF ALSO I THINK HE HAS SOME CONNCTION WITH THIS COURT MARSHAL NAME XXXX XXXX XXXX XXXX OF NEW YORK XXXX XXXX I FEEL THEY ARE WORKING TOGETHER TO RIP OFF INNOCENT PEOPLE. WOULD GREATLY APPRECIATE IF THERE IS ANY ONE OUT THERE WHO ABLE TO HELP ME WITH THIS MATTER. THANK YOU. XXXX XXXX
Consumer complaint received 2017-12-07
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. (GA)

I file a complaint on XXXX/XXXX/XXXX case number XXXX about Experian not providing proof of the items on my report on how they are verifying these items and the just keep sending me a report saying verified. Now I would like for you all to make them do their job because I do know that they are violating my right by not doing so. I have a problem with them saying its verified to me within two weeks but now need 60 days. that 's a problem and dont feel they are doing their job. I request this from all three bureaus and the other two could n't verify them so the stop reporting like they should. I even sent a letter that the collection agency sent me saying they cant verify and ask that they stop reporting but they still reporting as verified. Now I know if this is wrong that the others accounts are not verified they are just not doing their job. XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX. I 'm sending you the letter i sent to them but they still saying verified.
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Corporation of America (FL)

Collection company keeps calling my work phone number ( XXXX ) over the past four weeks. They call asking to speak to XXXX XXXX. I have told them every time they have called that there is no person named XXXX XXXX, and that they are, in fact, calling XXXX XXXX XXXX. I have requested they remove this number from their calling list. They have said they would, and yet they call me every week. They call from XXXX, I have recorded phone calls telling them that there is no one here by that name on XXXX and XXXX, but they have called on multiple occasions, probably XXXX times in total.
Consumer complaint received 2022-01-06
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. (AL)

On XX/XX/XXXX Equifax reported that my credit score dropped XXXX points. The four changes that occurred were ( 1 ) My XXXX XXXX Credit Card balance increased by {$6600.00} ( 2 ) XXXXXXXX DBA XXXX XXXX account closed ( 3 ) XXXX DBA XXXX XXXX balance decreased by {$100000.00} ( 4 ) XXXX XXXX Credit Card number changed because of expected fraud. What I am questioning is yes my Credit Card Balance increased by {$6600.00} but my balance at XXXX DBA XXXX XXXX decreased by {$100000.00}. It looks to me like that would well over ride the {$6600.00} and make my score go up and not down. On XXXX the decrease of {$100000.00} did make my score go up so why did Equifax lower my score by XXXX points.
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IQOR US INC (OH)

I have had $ taken out of my check at my work for nearly 3 years and have never received a statement or any documentation showing this. My employer is not giving me any documentation of anything in writing stating how or why money is being taken. They were only able to provide me a phone number and case number. After XXXX the phone number, I traced that back to Allied Interstate, who I 've never done business with our signed anything authorizing them to act on my behalf. I have not received any statements of my payments or other information. I am also reporting this to the State of Ohio Attorney General 's office, as this company 's address is listed in Ohio on their website. 

I have requested that this company communicate with me only via email, as I will have a record of documentation. I have requested a statement of my account. I have requested a statement documenting the chain of custody of my accounts from the time that I signed my loan documents. I have requested every document that you have my signature on. I have never had a load through Allied Interstate. 

In research RE : student loan collection, I 've read that the collector must be able to provide chain of custody documenting how they have come to hold the loan. I have not received any documentation as such.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

My wife and I applied for an FHA mortgage on Rocket Mortgages website and when it was submitted, I was directed to chat or call a representative. After speaking with a member if their company, I was told we didnt qualify for an FHA mortgage loan because my FICO was XXXX. The credit letter i received from Quicken Loan, their parent company showed me with a FICO of XXXX and my spouse was a XXXX. Those FICO scores would qualify us for an FHA mortgage. I confirmed these scores with another lender. I got a ding on my credit report, no mortgage and the company did nothing to correct this.
Consumer complaint received 2018-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I default it on my installment loan with Fifth Third Bank. My account went into collections and I asked them to put me on a do not call list a cease-and-desist do not call my phone number XXXX they are now calling my phone number
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

XXXX XXXX XXXX called said i had an outstanding bill of {$180.00}. They read off a phone number which was not one of mine. They would not say the address on the account.I informed them that the bill was not mine. Today I found that item on my credit report
Consumer complaint received 2021-07-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I contacted select portfolio servicing to make a payment on the phone since my draft payment did not process on XX/XX/2021 and when I contacted select portfolio servicing the representative said he could take my payment which was not the payment for XXXX because it already processed but it hadn't and I was trying to make the payment that was received before XX/XX/2021 and I XXXX the payment on Friday XX/XX/XXXX with a note to apply the payment for the XXXX payment which was returned to avoid reporting the payment late to the credit bureau since they couldn't process it over the phone and If I made the payment it would have applied to my XXXX payment instead of the XXXX payment because the mortgage system currently showed it was paid. I want the late payment removed from my credit report because the mortgage company system could not process the payment for the month of XXXX on XX/XX/XXXX which is not XXXX and they did not tell me I could do a wire transfer to note on the form this payment was for XXXX
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

My checking and credit card account where inappropriately closed when I attempted to transfer in money from an outside account. This is my second appeal through CFPB with me attaching proof of my outside account. I 've contacted Navy Federal multiple times and only received generic responses with no assistance in resolving and reopening my account. During the initial appeal I was told to contact XXXX XXXX which I attempted several times with no answer or return call.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I bank with Navy Federal Credit Union. My concerns are the EFAA ( Expidited funds availability act ) mandated by the Federal Reserve System. NFCU trick there members into thinking there getting direct deposit early. This is not the case. This has been an ongoing issue. They have changed policies without giving customers any knowledge. At the end of the day there practices are paying interest from customers checks every month. Its stealing and its wrong. Its more than what im explaing. I have the right to choose who I want to bank with. There purposely not giving out valueable information to keep their customer base. Please contact me for further details in this matter. It needs to be address so people wo n't lose money.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc. (OH)

I previously filed a complaint with the FTC on XX/XX/2019 about this phone number. My complaint reference number is XXXX. I have received 2 more voice mails from this number since that date on approximately XX/XX/XXXX, and Again today, XX/XX/XXXX at approximately XXXX. 

Company has left a total of 3 voice mails on my phone. Although I know the individual this company is attempting to reach because we are a couple for over 30-years, I am not him. 

The message says that it is a personal message for the person the company is attempting to reach followed by an disclaimer stating if I am not that person I need to disconnect. Unfortunately, since the call rolls to voicemail, it does not disconnect. When I played the message for this individual, it indicated that by continuing to listen to the message that this was confirmation that I am him. Furthermore, it indicated it was an attempt to collect a debt and he must contact the company immediately. 

This individual and I are domestic partners and have a home and children together. As a result of the call, we went through our correspondence and conducted credit checks to see if either of us had any outstanding bills or blemishes on our credit. Neither of us did. All of our bills, including medical, are paid in full. In addition, no bills have been sent to our home, to either myself or him indicating a past due balance. Thus, I suspect this is either a scam or an error. However, because no correspondence has ever been sent to our home regarding past-due balances for anything, we will not be contacting this number. 

When I researched the phone number, I saw several comments about people receiving robocalls from this same number. All had similar issues. Some indicated when they called the number, the person answering started demanding all sorts of personal information, which is suspect. 

Furthermore, if any unpaid medical bills are due for either of us or our children, we would both expect to receive an invoice or correspondence from the entity that is owed the money indicating the date of service, the amount due, any adjustments or payments made, etc ... Not a phone call that relays suspect information and sounds like a scam.
Consumer complaint received 2017-11-29
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)

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX  Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
Consumer complaint received 2017-11-29
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: EQUIFAX, INC. (TX)

Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. It is my understanding that you should n't be allowed to put an inquiry on my file unless I have authorized it. Because of this I initiated several disputes and was told I had to contact the companies directly. After doing so none of the companies responded, so I re-contacted the credit bureau via telephone and In their response, they stated AGAIN if I wanted to dispute things further, I needed to contact the direct company however according to Section 611 of FRCA says you can request the method of verification from the reporting agency and if such agency doesnt have legal validation : documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, then such reporting agency must delete the file. I also requested the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the accounts and specified that any automated response or XXXX verification is unacceptable. 

As of XX/XX/XXXX, the bureau is refusing to show proof of validation or to delete the below inquiries, as they dont belong to me. 

XXXX XXXX XXXX other than personal XX/XX/XXXX ;  XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Miscellaneous XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX - XXXX XXXX Other Collection Agencies XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX ; XX/XX/XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I contacted XXXX via Certified Mail in attempt to retrieve my XXXX Credit Report for my own review and verification in XXXX of XXXX. I tried using www.annualcreditreport.com but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via www.annualcreditreport.com because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I recieved an email saying 'do n't miss your chance to earn XXXX extra Membership Rewards points. ' the subject matter for the email was as follows " Looks like you missed out on the Welcome Bonus for your XXXXXXXX XXXX XXXX XXXX. Well, this exclusive offer is your second chance. 

We 're excited to tell you that you could earn XXXX extra Membership Rewards points after you enroll your Card by XXXX XXXX, XXXX and spend {$2000.00} in purchases by XXXX XXXX, XXXX1 These are points you could use toward : Redeeming for rewards from over XXXX leading brands in travel, gift cards, merchandise, or entertainment2 Transferring points to our selection of frequent traveler programs3 Do n't let this chance to earn XXXX extra points pass you by. Get started today. '' I enrolled in the offer and have met the minimum spend, I was not credited the points after 4 weeks. 

I have spent hours chatting up the the CS agents regarding my cases. I have submitted screenshots of the offer. I have escalated the issue to the supervisor as well but for no avail. I was given the reason that I had not enrolled in the offer.