davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC (CA)

The original creditor of this debt is XXXX XXXX that was notified back in XXXX 2012 of a chapter XXXX filling and sold this debt to MRS ASSOCIATES INC. XXXX XXXX NJ.I spoke with this company directly back XX/XX/XXXX and gave them all the required information such as XXXX XXXX knows that I 'm under a chapter XXXX, .MRS associates Inc tried to put a collection on my XXXX report and it was removed.I received a credit alert from my XXXX report that says this same company has reported a collection.This company is jumping from one company to another reporting this as an open collection and it is not.This matter needs to be addressed regarding tactics being used by debt collectors.This company was notified that the original Creditor was informed back in 2012 of the chapter XXXX bankruptcy and I do n't know why they are jumping from credit agency to credit agency
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NJ)

Convergent Outsourcing Inc. Is attempting to collect a debt claiming I owe XXXX XXXX but my account is in good standing with XXXX I literally used it to buy a bike less then XXXX hours ago.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Convergent Resources, Inc. (CA)

I have XXXX issues with a collection on my credit report ( XXXX ). # 1 ) I have tried numerous times to get this collection off of my credit report and the company keeps selling the debt to a new collection agency so it continues to show up on my credit report ( proof attached from XXXX ) # 2 This debt is over XXXX years old and was included in my bankruptcy, which is supposed to make it to where the collection agency can not contact me. They continue to contact me to try to collect on this debt ( Proof attached from Convergent Outsourcing bill collectors. They should not be allowed to send me a bill nor put it on my credit report as a new collection. This debt is over XXXX years old and I would like the collection agency to stop sending me bills and remove the debt from my credit report. Credit report also shows collection was included in bankruptcy ( Proof attached ) Please help me because I have been dealing with this for about 7 years now and they will not stop selling the collection to other agencies. I would like it completely removed from my credit report.
Consumer complaint received 2021-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management. 
Michigan. 
Repeated calls on a daily basis. 
Robo calls always from a different number. 
Always attempting to collect on an unpaid debt. 
Problem is I have no debt with this company nor ever had. They continue to call.
Consumer complaint received 2015-06-11
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Western Portfolio Assets (NY)

This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.
Consumer complaint received 2015-05-06
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe BOA for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with bank of america. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your BOA to remove their DELINQUENT AND FRAUDULENT BOA AMOUNTS OUT OF MY NAME BECAUSE I OWE BOA N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT BOA AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT BOA UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX
Consumer complaint received 2021-08-11
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: JPMORGAN CHASE & CO. (FL)

I bought a XXXX XXXX thru my daughters XXXX XXXX account ( XXXX XXXX, order # XXXX ) with my Chase Amazon card ending in XXXX at the beginning of the year. I tried the bed for a month or so, but I couldnt adjust to it. I made 2 minimum payments while trying it out. I called to return before the trial period was over. Im enclosing the receipt from XXXX authorized rep. of the bed being returned. He said that it would be donated. 
The next bill I received still reflected the balance. I called Chase Amazon to dispute ( prematurely ). The next bill reflected a XXXX balance, but the next bill had the balance re-applied. 
After many hours on phone with XXXX, they had me contact 3rd party XXXX. Im enclosing their response of the investigation. Chase XXXX refuses to credit me. Someone has the money. I have a bill for a bed that I dont have. Nobody wants to take responsibility.
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (TX)

I had rental insurance with this company. I called and cancelled insurance because i bought a home. 
Upon reviewing my credit report, I came across information from this company claiming I owe monies for rental insurance for I place that I no longer lived in.
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-16
Product: Credit reporting 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 strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I have been trying to communicate with Fay Servicing for the past 6 months with no successful outcome. In XXXX of 2016 my loan was transferred to Fay Servicing while my loan was already in default. A lender/servicer can not collect on a debt that is transferred during the default process. Additionally, Fay Servicing failed to provide me with a fair opportunity to reinstate or reconstruct my loan and provide no denial verbally nor in writing regarding their decision to not assist me, instead they told me my only option was to proceed with the letting the home sell at auction. I was in the process of getting the reinstatement amount out of my mutual fund but unfortunately the process can take 30-45 days to which I explained to Fay Servicing and they refused to allow the extension of time to allow me to do so. 
Additionally, the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. 
My violations as a homeowner have been severely violated at this point and Fay Servicing has failed to provide me with the opportunity to save my home.
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates (GA)

In XX/XX/2016 I noticed a collection account on all XXXX of my credit reports, so I initiated a dispute knowing it was not mine. XXXX and XXXX corrected the mistake, but it was still on XXXX. I then call the collection company CBA of XXXX. I requested documentation including copy of Signature, ID 's, Social security card to show they had legal right to collect. I also requested documentation showing they had the right to collect for the company that intiated the account. I also requested proof of their license and bond to even collect in the state of GA. They put me to management and I was assured that they would email the requested documents to me as soon as possible. A couple days went by with no email so I called back and then was told they were getting this information and documents from the 1st party and would forward it to me. I have yet to receive anything proving they have right to collect and I know its imposssible for them to have anything with my signature or ID. Please remove this from my report.
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CO)

At XXXX MST on Saturday, XX/XX/19, a person identifying themselves as XXXX XXXX left a message on my home phone stating that she was calling regarding a time sensitive personal business matter and asking to be called back during ordinary business hours at XXXX, ext XXXX. No other information was given. My phone recorded the call as having come from NAVIENT and the calling number as XXXX. I still have the recorded message. 

I tried unsuccessfully to call back that afternoon. The recorded message was that I had reached something known as XXXX XXXX XXXX, but that the business was closed. When I called back several times on the next business day, Monday, XX/XX/19, the person answering the phone on each occasion also identified the business as XXXX XXXX XXXX. 

I have never had any dealings, business or otherwise, with either NAVIENT or XXXX. 

When I finally reached Ms. XXXX she asked for the last 4 digits of my Social Security Number. I refused to give that information to her without her explaining why she was calling, and why she found it necessary to call before XXXX in the morning. She stated that her company was contacting me in connection with some contract they had with some taxing entity of the State of New Jersey. I told her I had never lived in or had any business with New Jersey. As for the time of her call to my home phone which has a XXXX area code ( peculiar to a small portion of Colorado in the XXXX area ) she dismissed that with well, it could be a cell phone number so we wouldnt know where it was at the time we called!! I guess its OK with her to call any number at any time, regardless of the law. As it happens, my home phone which she called is a land line. 

She also claimed, falsely, to have sent me a letter, and to have spoken previously with my wife. 

Ms. XXXX finally gave me the full name of the person she was trying to contact, and I think I was able to convince her that I am not that person. We have similar names, which I will be happy to share, if necessary. 

According to Ms. XXXX, our conversation was recorded. 

Her actions constitute, at the very least, violations of the FDCPA : specifically, 15 USC 1692c ( a ) ( 1 ) calling before XXXX at the consumers location ; and 1692e ( 10 ) and ( 11 ) making false representations, and failing to give mini Miranda warnings ; and the Colorado Uniform Consumer Credit Code : specifically, CRS 5-5-109 ( 2 ) and ( 4 ) ( b )  engaging in unconscionable conduct, such as communicating at an unusual hour so as to harass the consumer
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (NY)

On XXXX, I spoke to CS Rep. XXXX XXXX from CBE Group. I explained to her that her agency is reporting false information on my credit reports. I have no knowledge of the account. Call lasted XXXX. I requested that this agency validate this debt with proof of contract and clear signatures that I owe CBE Group any obligation.
Consumer complaint received 2016-02-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (LA)

My wife and I bought a house in XXXX XXXX ; the closing took place in XXXX XXXX, XXXX. At that time, our monthly payment was calculated at {$2200.00}, with our first payment being due on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we received a letter from Flagstar Bank that our monthly payment would increase to {$3700.00} because they had miscalculated the property taxes and insurance. We tried to negotiate with the bank that we could not pay the increased amount, but the bank refused to negotiate with us. We continued to pay the agreed upon monthly payment of {$2200.00} until XXXX XXXX, XXXX, when our payment was returned to us. We also received a check in the mail for {$3000.00} with no explanation. We have been unable to reach anyone at the bank since that time, we have no idea what the status of the account it, we never received foreclosure paperwork, and it is showing up as a negative account on our credit reports. Also, this was a VA Loan, and if it goes into foreclosure, we will lose our VA Loan benefit for future purposes. I was told by a legal assistance attorney at a XXXX XXXX Assistance Office that my rights under the Real Estate Settlement Procedures Act may have been violated, specifically, that the bank was supposed to make a good faith effort to estimate the fees associated with the property at the time of the purchase contract, that they were supposed to give us an actual estimate of the expenses 3 days prior to closing, and that they may have violated the law with regard to the escrow account.
Consumer complaint received 2017-10-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (AZ)

Ever since Discover Bank took over my XXXX XXXX Student loans I have had nothing be trouble with what I am told and what the account shows. My payments are due on three loans on the XXXX, XXXX and XXXX of every month, but I do not get a statement/bill for that month until the XXXX or later. So after making payments and seeing them not applied, I have double paid many times. So long story short I am not sure if my account are correct or have ever been correct with all the errors I find in the accounting. For example XX/XX/XXXXI was reported by Discover Student Loans as being current for payments. Then at the end ofXX/XX/XXXX I was reported as 60 days late. I missed the XXXX payment due to being on FMLA, but paid as soon as I got a full pay check onXX/XX/XXXXone day after I would be technically 31 days later. However they reported 60 days late, also there are many other months I paid my loans and they did not report positive actions on my account. Currently as of today I have been told that want information on my account like this I need to get a subpoena. I just want to know what is in my account and know that they have applied payments as there are required too.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank has refused to cancel a fradulently-issued credit card in my name. They have also consciously done everything possible to make it impossible for me to CLOSE this fraudulent card or to file a complaint. Details follow in the letter I have express-mailed to Synchrony : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Billing Inquiries Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX Copy to : XXXX XXXX XXXX, XXXX XXXX XXXX : Fraudulent Account & Fraudulent Charges Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : I have today received in the mail an account statement for the above account number. This is to notify you that : 1. The account is fraudulent. I have never opened such an account. 
2. The purchases ( {$470.00} ) are fraudulent. I have never purchased the XXXX items shown on the statement. 

This letter is to request that you close this account and remove any reference to this account from my credit report. 

Background : I received your paper statement in the mail today, Monday XXXX XXXX. 
The statement did not show the charges, which purported to be from a prior month. 
Using the information on the statement, I created an account online in order to see prior statements. I logged in and downloaded prior statements to show the purchases. 
At about XXXX my time, I called your customer service number ( XXXX ) XXXX as shown on the statement. I spoke with a representative who identified herself as XXXX. I explained that the account was fraudulent and the charges were fraudulent, and I responded to a variety of XXXX 's questions. I asked XXXX to close the account so that no future charges could be added to it. She said she was not able to do that, and another department would have to do that. She indicated that she would contact that department and that they " might '' follow up. I asked her no less than four times to close this account and she consistently said she could not do that. She also consistently maintained that the other department " might '' follow up. 
I understand that the above call was recorded, so presumably it will be available in arbitration if we end up there. 
I then noted on the back of your statement, in the fine print, that you purport to disclaim anything not in writing - a point which, of course, XXXX never brought to my attention. Accordingly, I am writing to you today. 

Once again : I ask that you close this account and remove all reference to it from my credit report. 

Thank you, XXXX XXXX ( XXXX ) XXXX ( mobile ) Enclosure :
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account XXXX XXXX XXXX  - Account Number : XXXX I don't recall having late payments on this account
Consumer complaint received 2022-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.