davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (NV)

I am not liable for this debt with XXXX XXXX, I do not have a contract with HUNTER WARFIELD, they did not provide me with the original contract as I requested. I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX, regarding my purported overdue balance of {$10000.00} allegedly owed to XXXX XXXX. Upon receiving your communication dated [ XX/XX/2024 ], I was taken aback by your attempt to collect this debt via email. It has come to my attention that this action violates the Fair Debt Collection Practices Act ( FDCPA ), specifically Secction 805 ( 2 ) ( b ), which prohibits debt collectors from communicating with consumers through means known or should be known to be inconvenient. Email communication for debt collection purposes falls under this category, as it is intrusive and lacks the necessary privacy afforded by other forms of communication. 
Your attempt to collect a debt via email has caused me undue distress and is a clear violation of my rights as a consumer under federal law. Therefore, I am hereby demanding the following remedies and compensation for the damages incurred:1.Immidiate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . Immediate cessation of all further communication regarding the alleged debt via email.

3. A formal apology from Hunter Warfield for the violation of my rights under the FDCPA.

4. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 5. Reimbursement of any legal fees incurred in addressing this matter. On XX/XX/2024, XXXX XXXX contacted me via email on an attempt to collect a debt. Below I have an attached my response to XXXX XXXX. ( Please See Attachments )!
Consumer complaint received 2015-07-29
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (MO)

I have received repeated phone calls with a man using the name of " XXXX XXXX ( spelling? ) '' ( private number ) stating that he will be at my location for me to sign legal documents and that he has placed he on his schedule. He also further states that he has my social security number. This morning, at exactly XXXX XXXX CST he called again ( private number ) to both of my cell phone numbers with the same message verbatim has before. Towards the end of the message he directs me to call : XXXX. I called this number and it just rang and rang until it either went to a unnamed voice mail or a lady picked up. I spoke with this lady and gave her as little information as possible. I repeatedly asked her what the name of her company was until after several attemps she finally told me she worked for " XXXX XXXX XXXX ( spelling? ) '' and kept asking me for my social security number but I refused to give it to her. Through several minutes of repeated attempts I only gave her my name, and she told me I have an outstanding balance from XXXX for {$1000.00}. I asked her if I could speak to the original creditor or verify this debt before continuing and she ignored my request and repeated said that they are going to find me at my residence and take legal action. She kept asking me if I was to make an offer probably XXXX times and would not listen to anything I had to say. She would only ask what my offer was or that her supervisor will issue someone to collect the debt and/or issue legal documents to be on their behalf. I asked for them to mail me whatever paperwork or documentation of this debt and they refused and said at this point they will only be able to obtain this debt by personal contact. 

Furthermore, it appears that this call are " robo calls '' since the call I receive from them is the same thing verbatim as the last calls were.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/2024 my car loan was official paid off and was not reported as paid off to the credit bureaus. I did dispute with bureaus showing proof that this was paid in full and reported information by XXXX was inaccurate information, but dispute results still come back as verified and accurate.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been continuously receiving notices from Porfolio Recovery Services for the last 8-10 years about a {$19000.00} debt from XXXX XXXX Bank. This is my XXXX complaint in this time frame about this company. They have never provided me with proof of this debt, it was past the statute of limitations when they started harrassing me. I have found numerous complaints on the internet about the same company for similar amount and similar stories. I want them to stop sending me notices
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Bankruptcy filed in XXXX. However Bankruptcy filing was not confirmed in XXXX and Bankruptcy filing was finally denied by order of the court ( attached hereto ) in XXXX and dismissed. Transunion incorrectly and inaccurately reports this information as a Bankruptcy Discharge despite the specific Order of the Bankruptcy Court.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I am unable to access my Marcus by Goldman Sachs account via computer. A message saying " We're having some technical issues ''. This causes me to not be able to view my account information ( routing number, account number, interest earnings ) as well as make transfers to external accounts. The exact same message displays on the Marcus mobile app and prevents me from being able to transfer my money to external accounts. The thousands of dollars I have in these accounts with Marcus seem to be held hostage.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (MD)

I was denied credit by Navy FCU on XXXX XXXX when I applied for the Cash Rewards card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act. When I signed that application for their services I then become an investor into their company where they then securitized and traded my credit application as an asset backed security on the secondary market. I received no benefit and that is Securities Fraud and it goes against the regulations of the SEC as well as the FDIC and OCC.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a customer of BofA for 22 years and I am so mad at how they do their entries on activities in our accounts. Like on XX/XX/2017 my available balance was {$57.00}. I issued a check to XXXX XXXX XXXX for {$50.00} that was presented to the bank on the same day and is showed on my account activity only that they paid the check but made it appear that is still in process so they were able to charge me an overdraft fee of {$36.00} when I have enough to cover that check. And today when I called they were telling me that they were still waiting for a transaction for {$12.00} so they can charge me another fee. I just deposited {$70.00} this morning so I have enough to pay for this. I can see how shady the banks are. What if a customer does not have online banking and can not check their account everyday like me or they do not have a checkbook to balance their accounts. And this is why we need CFPB to help us.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One paid a check from my account submitted by an individual as the payee and the signor. It is very apparent this check should never have been paid. The individual did not even attempt to forge my name on the signature line, the payee signed his name as if it was his account. When I notified the bank of the error, I was promised immediate resolution. After 2 weeks and 8 phone calls initiated by me, they will not refund my money unless I sign an Affidavit of Forgery in front of a Notary. They will not promise to reimburse the cost of the notary either. I should not have to consume my time to repeatedly follow up with the bank, only to be given false promises of resolution as well as contact from the customer service department that has not happened. Completing this document and having to get it notarized is not only inconvenient and time consuming, but should not be my burden to rectify the bank 's error. The lack of customer service from Capital One has been incredible. I WANT MY MONEY BACK, NOW!
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One discontinued my benefit of a Year End Statement Summary associated with my MasterCard, without giving written notice or informing me of the option to opt out of this change by cancelling the card 45 days before the change went in to effect. While attempting to resolve the issue with Capital One I was informed that the Year End Statement Summary would only be provided upon request, and when this service was requested by me, I was informed that it had been discontinued. This is a significant change in my and others opportunity to benefit from the use of this service.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

A company by the name of " US Asset Management XXXX  '' has been attempting to collect a debt from me that is not mine. They are saying that I owe them a balance of {$290.00} but are telling me that I can settle the amount by paying them {$180.00}. The original creditor was " XXXX ''. I have never done business with either of these creditors. They need to delete this information off of my report immediately. I have already spoken with a representative by the name of " XXXX '' and " XXXX '' at " US Asset Management XXXX  ''. This creditor is on my XXXX XXXX  '' credit report.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Navient Solutions, LLC. (AZ)

While monitoring my credit, all of a sudden this collection account shows up out of the blue. I write them a letter requesting validation bearing my signature. I sent the letter certified, return receipt mail on XXXX XXXX, XXXX and they signed for it on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX, XXXX however, there is no signature, just a print up from a computer. I included a copy of my credit report for XXXX XXXX, XXXX, showing that after more than 30 days and they had still failed to indicate on my credit report that the item was in dispute. This is a violation of the law. I sent them a letter again on XXXX XXXX, XXXX again stating I want validation bearing my signature. They responded on XXXX saying it was already sent, which I disagree with, nothing they sent me had any signature for me to validate. I am the only person who can validate my signature and they failed to provide anything for me to validate. They also indicated that they sent a validation notice to me in XXXX of XXXX and attempted to contact me, show me proof of that because I never received a telephone call nor a letter, I would have been all over this, just as I had to reach out to them as soon as it appeared on my credit report without first contacting me ( another violation of the law, I am to be provided with 30 days to dispute the validity of the debt, which I never received a letter, nor a phone call as they claim ). I am providing documents to support my claim that : I sent them a letter requesting validation ; the certified return receipt for acceptance of deliver, the letter and information they provided on XXXX XXXX & XXXX XXXX XXXX as well as the letter I sent them again on XXXX XXXX, XXXX and a copy of my credit report from XXXX. They received my letter on XXXX, 30 days from this day is XXXX XXXX, XXXX. As you can see by credit report, the disputed line was not added and they are in violation of law. I am asking for your assistance today because this collection agency broke the law and since they failed to update the report within 30 day, the item needs to be deleted from my credit reports from the credit bureaus.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this claim against Capital One credit card. I was told they will no longer bill me a annual fee and my credit limit would be XXXX. My credit limit has not charged for an entire year. I am pretty upset by this. I used this card all the time and can not get the company to do what they promise to do.
Consumer complaint received 2017-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III (CA)

ACSCA has been att empting to collect on a debt using harassing and deceptive practices. This debt was involved in identity theft. The original creditor has sold this account to several collection agencies and this agency is the third. The original creditor was informed of the identity theft and received all documentation from the police regarding this debt.  ACSCA has   threatened to file a lawsuit against me by serving a notice at a different address and has also threatened to sue me in different cities to obtain a judgement. They are using dishonest, harassing and deceptive practices to obtain a debt that was involved in identity theft. ACSCA has also posted this debt on my credit reports without proper notification and t heir representative stated and threatened that they will keep posting the debt on all credit bureau reports until its paid.
Consumer complaint received 2016-01-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (IL)

Payments were sent to FIRSTMERIT BANK on or around the dates of XXXX & XXXX in the full amount of {$70000.00}. However, FIRSTMERIT BANK did not release the title of the vessel in relations to my account XXXX # XXXX XXXX. See attached exhibits for further details. I called FIRSTMERIT BANK and XXXX their representatives informed me that they were going to send me my title ; however, I received a letter detailing that they were not going to release anything, even when my account clearly has been paid off. This is a direct violation of UCC XXXX ( b ), UCC XXXX ( b XXXX & XXXX XXXX XXXX and refusal to release title after the debt has been cleared. As stated, this is an apparent case of tax fraud, racketeering, embezzlement and extortion. As a result, a complaint was filed with the XXXX ( See attached receipts and records listed Exhibits ).
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: StellarFinance, Inc. (CA)

Consumer Financial Protection Bureau Attention : Complaints Division XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Stellar Finance , Inc. ( StellarFi ) for reporting inaccurate information to my consumer report without my permission. This action has caused significant damage to my credit and has resulted in financial harm. 

My name is XXXX, and I recently engaged with StellarFi services under the XXXX account. Despite my explicit instructions and without my consent, StellarFi reported my personal information to consumer reporting agencies, leading to inaccurate entries on my consumer report. 

This egregious violation of privacy and gross negligence on the part of StellarFi has severely damaged my credit and undermined the trust I placed in the company. I demand immediate and extreme expedited action to rectify this situation, including : Confirmation that all inaccurate information reported to consumer reporting agencies has been retracted and removed from my personal consumer report. 
Assurance that my personal information will not be shared with any affiliates or third parties without my explicit consent in the future. 
A comprehensive explanation of the protocols and safeguards in place to prevent similar privacy breaches in the future. 
Swift and tangible measures to rebuild trust and rectify the harm caused by this violation. 
Failure to comply with these demands will compel me to pursue legal action against StellarFi to seek restitution for the damages incurred. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to ensure that consumer rights are protected. I appreciate your attention to this urgent matter and look forward to a prompt resolution. 

Please acknowledge receipt of this complaint promptly and provide updates on the status of the investigation. 

Sincerely, XXXX XXXX : Evidence of StellarFi improper use of my consumer report
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Select Management Resources, LLC (TX)

I have asked these people to stop calling me around 5 times already. There has been times when they call daily 2-3 times a day. They said that because I signed a contract with them, that they can call me as much as they want. I stated to them that by law they have to stop calling me and they say that they do n't care and that they are going to keep on. Also they threatened me to reposes my car. According to the contract I signed on paragraph XXXX it states that if I want for them to stop the calls, for me to let them know, which I have and they refuse to do so.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (IL)

I am unaware of this debt. I was not afforded the opportunity to dispute or access the alleged debt prior to the account being reported to my credit file. If in fact, you believe that you gave me proper notification, then please send me a copy of the certified return receipt that bears my name and signature to assure proper notification. If you can not provide me the document, I am demanding immediate deletion of this account from my credit file.You are in violation of 12 CFR 1006.34 ( A ) ( 1 ) ( I ) ( B ). 
Thanks in advance
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because I was a victim of the 'Equifax ' date breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was a fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal items from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and end consumer credit plan as late for any purpose. 

Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations.
Consumer complaint received 2022-09-05
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: AMERICAN EXPRESS COMPANY (GA)

my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX UXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ALL CREDIT CAR SALES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMEX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Woke up to find a joint acct I share with my daughter was overdrawn by {$4000.00}. Called Bank of America who informed me that collection agency had gotten a judge and they over drafted the acct to satisfy it. They also over drew my daughters saving which was at - {$15.00}. When asked to provide proof of judgement they just gave out a phone number for a law firm in XXXX ( XXXX and XXXX ) even though my daughter and I reside in XXXX. Neither the bank nor the lawyer can provide proof of debt, judgement, or any amounts paid on this acct. 
This was a car loan that defaulted but was being paid by wage garnishment. 
My daughter is XXXX XXXX XXXX and I am XXXX XXXX. We need an accurate accounting and proof of debt and judgement. We have never received any communication prior to the Bank of America taking funds that did no exist from XXXX acts and refusing to provide information.