davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from MIDLAND CREDIT Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter MIDLAND CREDIT they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter.4 ) If your office failed to obtain all documents requested in validation, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Consumer complaint received 2021-08-20
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: AmeriCollect (FL)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-02
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: Santander Consumer USA Holdings Inc. (DC)

I have disputed this account with the creditor, the credit bureaus and you all repeatedly for more than 5 months and the status date continues to show XX/XX/2017. This is a violation of my rights. This account continues to show on my credit report inaccurately and no investigation has been done. I am requesting immediate deletion of this account.
Consumer complaint received 2021-01-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TMX Finance LLC (NC)

Contract with TITLEMAX loan {$1700.00}. On XXXX. Was called by co. Employee on due date. ( loan due XXXX of month ) arranged to pay it off on the third or start making payments. Agreed loan made in XXXX Va. Manager said dont come here use the portal ( im nc resident, make payment via portal. Employee called me Friday nite of the third at XXXX XXXX  I was told they closed at XXXX " youare late on your first payment! Mam nothing would let me talk finally I said arranged to pay off on the third. I have here you were coming in office today at XXXX : XXXX  no mam I am paying on line not late due date has no grasp period but late payment fee assessment 6 days later meant contradiction in terms still not late by that contractual admission. She would not let up guests at dinner phone on speaker I was setting the table they heard it all. I said don't call me again this is not past due until after XXXX  and not then dont call me anymore! Hung up I have voice mail she called me back saying she apologized for the lost connection knew full well what happened I did not return her message. Complained to co name of employee sent letter scared they are coming after my car? Got letter from home office in XXXX GA. Lady threatened to take my car said she had my letter made no reference to it said me arrange to make payments XX/XX/XXXX in XXXX or she was going to get my car! Signed her name as a Legal Analist. I think Attorney said she was collecting or repose my car. I dont know where to pay who to pay or if she is a Attorney or clerk making these submissions. Afraid I am XXXX year old XXXX  adult. Please help me.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX5 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

This debt is from XXXX XXXX. I was signed on a lease mid XXXX. And signed off by all appropriate parties on XX/XX/16. I did attach documents of proof on a dispute. Ive also disputed this through XXXX and XXXX. Both have deleted the debt from my credit. XXXX seems to want to hold this on my credit even though the documents prove this debt is invalid and is hold me back from getting into a home. Im close to being homeless because this fake and invalid debt is not being removed after several attempts and showing proof. Im going to get an attorney involved if this doesnt get removed and deleted ASAP.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

In late XXXX, XXXX, I have receive a mail letter ( first mail letter ) from TD bank saying their recorder showing I don't have any current insurance, thus asking me to provide my property insurance information like insurance policy number, the name, mailing address and phone number of the insurance company or insurance agent. Otherwise, the bank will buy the insurance for me, and I will be liable for the period I do not have insurance. However the fax number provided in the letter never work out, thus I went to TD Bank Branch to fax the documents in early XXXX, XXXX. The document I faxed is the Insurance Binder which contain all the information the first mail letter asking for. I didn't receive any mail regarding the issue and my monthly mortgage payment didn't change. Later in earlier XXXX, XXXX, I received another mail letter, saying my monthly mortgage payment is going up because they have purchase the insurance for me. So I called the TD bank several time between XX/XX/XXXX to XX/XX/XXXX, I got different answers from different agents about what has happened. But they all said they have received the fax from me in XXXX, but they want the " Declaration Page '' not the " Insurance binder '', thus they bought the insurance for me without any notice before or after. However, I didn't find anything about " declaration page '' on the first mail letter I received. Then I contacted my insurance agent to get the declaration page that cover both XXXX and XXXX  year, and faxed those document together and received a fax confirmation that has page count. However when I contact the TD Bank today XX/XX/XXXX, the agent said they only receive the document for XXXX not XXXX. In addition, they are asking me to provide other additional documents, a statement from my insurance company saying I was full covered. The agent is very mean, rude and unprofessional. Didn't show any of respect! I have provide all the documents they have been asking, but they keep asking for more. I don't know if the TD Bank really want to resolve my issue, but just keep teasing me. I don't think this is right and fair.
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Central Inc (MS) (MS)

i check my credit report and notice a inaccurate item from credit bureau XXXX XXXX XXXX and sent them a dispute letter on XX/XX/2021 for the alleged debt of {$59.00} that i do not owe.as of XX/XX/2021 i haven't heard or gotten anything that i requested and i have attached a copy of the letter below
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (PA)

Binance.us has had my account locked and all my trading is disable. I can not withdraw my money or continue to trade I have sent a countless amount of tickets and the problem still has not been fixed. No real resolution just tickets stating they received my tickets. I need help
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I tried today from transunion and XXXX to get my credit report.They tell me my information is incorrect or there are some kind of technical difficulties. I have not been able to get my credit score or a report for about 5 years. I want to see what debt I owe and what my score is but I can not obtain the information. I have tried every year and they continue to tell me something is in error. Please help me get my information it is my legal right. Thank you
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I would like the company in question to send me all the information I requested to validate the debt as belonging to me. If they are unable to provide the information in the tile allowed by their governing body, they should refrain from reporting the information to the credit bureaus, remove my information from their internal books and never sell, or forward my information to any other company with mean of collecting a debt from me.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

I C system is a collection for XXXX XXXX.I lived in XXXX, texas XXXX XX/XX/2016 I XXXX with XXXX and moved to XXXX, texas this is my present home.upon moving here in XX/XX/2016 XXXX XXXX was NOT available in my location!!! I then called the cable company and had cable tv installed.I am on a collection {$320.00} for not continuing my service with XXXX??!! I had this collection removed from my credit report two years ago but now I C Systems a new collection company once again placed this derogatory information in my credit report
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

I bank with chime also know as XXXX Bank. They have a pay anyone bank transfer system. And on the XXXX XXXX at XXXX I initiated a bank transfer to my niece XXXX XXXX, but the transfer never got to her somehow her phone number is connected to an account of a XXXX XXXX. At XXXX when I realised this mistake I contacted my bank and informed them of this fraudulent transaction. The banking representative asked me to provide a copy of my nieces bill showing that her phone number belongs to her and that it is not a prepaid phone number also a copy of the screenshot where I typed in her phone number and it showed her name in my contacts but the money still went to XXXX XXXX. I provided this information to the bank I also filed a police report and the bank denied my transaction saying no error occurred. this dispute was denied in less than XXXX hours.
Consumer complaint received 2019-06-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Please see CFPB Compliant ID XXXX and my response : I did not get satisfaction nor were anyone from XXXX XXXX XXXX ever available to take my calls or to return them. I want the CFPB to see the response from XXXX XXXX XXXX and note under the bullet points, XXXX XXXX of XXXX XXXX XXXX states : " Your Chapter XXXX  statement of intent lists XXXX as 'retain and pay ' ''. I did this and I paid off the carload early which should have been reported to all the credit bureaus. I was never late in paying off the loan and in fact, paid it off months early. If I had not paid it off, XXXX would have repossessed the car. The fact that I told them I was keeping it and acknowledged the debt by paying for it ahead of the the XXXX  month requirement is evidence enough that I should have a positive report off this on my credit report and I ask that the CFPB INSIST AND REQUIRE XXXX TO LIST THIS POSITIVE CAR PAYOFF ON MY CREDIT REPORTS.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Performance Settlement, LLC (CA)

I begin using Performance Settlement in XX/XX/2016 in which they promised to dispute wrong information, to settle debts, and increase my credit score. The company never settled any debt and they never increase my score. They took {$5600.00} and no debt were settled as promised and they offered to give me a loan for {$2400.00} to take an advance which is illegal in California. The company never disclose everything they were trying to settle were charged off and it would not increase my score but might hurt my score. They were suppose to save the money in an account until it was enough to settle. When asked how much was in account was {$1.00}. A refund was requested.
Consumer complaint received 2019-06-05
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: WELLS FARGO & COMPANY (FL)

Hi i requested a dispute on XX/XX/XXXX for services i paid for but were not provided to me. 

On XX/XX/XXXX and after calling several times on XX/XX/XXXX, Wells Fargo bank said there is no way they can help me with a dispute because the transaction was done with XXXX and they don't have any dispute rights and to call XXXX. 

I called XXXX and they said is incorrect, this is their response : " I fear Wells Fargo is mistaken : If the funds were taken from your bank account, you have the ability to dispute those charges with your bank. If you file a dispute with your card-issuing bank, XXXX will work with them as they decide the dispute. Disputing a charge on your statement is within your right as a cardholder. '' " I am really sorry for the experience you are having with your bank. They can and should be willing to help you begin the Dispute process. '' " At this point, XXXX will work with your bank to resolve the dispute. " I again called the bank, i have done that several times and explained to them that they are violating my rights and they just dont care, they said they dont have dispute rights. 

I was a victim of a fraud, i need the wells fargo bank to help me with this and i need your help
Consumer complaint received 2019-06-05
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. (FL)

I sent a letter to XXXX/ transunion/ XXXX/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX  XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FCC Finance, LLC (NC)

This company has claimed that I took out a ~ {$2000.00} loan from a separate business, then they bought the debt from them. The account is 9 years 8 months old, supposedly opened in XXXX, and they are continually reporting to my credit report as missing payments. They are reporting to my credit report as an " unsecured loan '', and have been doing so for almost 10 years now. Also, I didn't start getting letters in the mail until I started disputing the account on my credit report. I did not open this account, and I have told them this repeatedly. My credentials were used on my behalf without my knowledge while I was XXXX overseas, and didn't find out about it until much later. 

Regardless, the statute of limitations on debt in Texas ( which is where this company is based ) is 4 years. No action has been taken to recover this " debt '' outside of sending me random letters every couple of months or so. I've disputed it many times over the years already. It's absolutely appalling how they have been able to hijack my credit for almost 10 years now with no resolution in sight. At 7 years, if it was reported properly as a collections debt, this would have dropped off by now and I wouldn't even need to continually contest it on my credit report, which I do every chance I get. But it wasn't, and it hasn't. When I've requested to have it investigated, all they send me is a packet in the mail with the account documents. No help. No " let 's figure this out ''. Nothing. They've stuck it on my report as a " loan '' for almost TEN YEARS and stopped reporting any activity many years ago, in XXXX when I got back from XXXX and eliminated the automatic withdrawing from my account once I realized what had happened. So it's been on my report all this time, sitting there gaining interest, yet no effort to actually properly report accurate data. This is wrong, immoral, and a horrible business practice. The statute of limitations has long passed ( no matter which state you're in ). They have not made any attempts to recover this debt through collections within the time the statute allows. I don't even care about proving that it wasn't me anymore. This has gone on long enough. A decade. A FULL DECADE. 

I wish for them to remove my account from their system, drop this debt from my credit report, and stop harassing me. I have already made multiple complaints across any platform that will take them, including the XXXX and the credit agencies.
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.