davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ENCORE CAPITAL GROUP INC. (MS)

My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

XX/XX/XXXX, Midland Funding , LLC attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the Midland. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XX/XX/XXXX, XXXX contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XX/XX/XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a nurse for over fifteen years, and I am a pretty great nurse. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.
Consumer complaint received 2022-01-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section602 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 or inquiry on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I received an email from Navient stating that two FFELP loans had to be recertified for my IDR by XX/XX/XXXX. However, when I logged into the Dept of Ed website I was notified that my IDR is not needing to be recertified until XX/XX/XXXX. Navient continues to provide misleading information to those who have loans being serviced by them. I've been on an IDR for the last 10 years for my loans, primarily through Navient until XXXX bought some of the loans in XXXX. 

As a result, I can not afford for there to be a lapse in my IDR as, per the agreement, as long as paid on time and in an IDR for 20 year the remaining debt is canceled. Or so that is my understanding. I feel as though Navient is intentionally causing confusion and rarely provides accurate answers. 

How much more time do I have in my IDR before the remainder of my loans are cancelled? Also, when do I have to recertify? Because if I go off the Dept. of Ed, who I should be following, then it's not for another year. If I go off what Navient is saying, then they will increase my payments and who knows what will happen to the time I've spent in the last 10 years making payments. 

Lastly, per Navient 's website the date that they have for " loan payoff '' based on my IDR is in XXXX. That is TWENTY more years from this year, on a loan that is suppose to have cancellation after 20 years, that has been paid for 10 years already. It doesn't take a rocket scientist to figure out there is once more misleading information.
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

In XXXX 2014, I completed a form on XXXX 's website to explore possible bundling of services for cable, internet, and phone. I never received a response to my inquiry so I elected to keep my phone and internet with XXXX and set up cable with XXXX. Later, a technician from XXXX came to my house. I was not at home and my young son opened the door and allowed him to enter our home. My son told him that his parents were not home. Shockingly, the technician stayed in my home with my XXXX year old son. The technician plugged a modem in our sunroom which resulted in us having no phone or internet service. I contacted XXXX immediately to report this travesty. An agent assured me that someone would come out to repair our service. XXXX never sent a technician. I continued to call XXXX many, many times about this problem. Each time, the agent told me that a technician would be dispatched. It never happened! Thankfully, XXXX was able to repair the damage caused by XXXX. I was furious when I received a bill from XXXX. Not only did I never receive any service from XXXX, but we had to pay XXXX to repair damage done by the XXXX technician. When I rightfully refused to pay XXXX any money, XXXX contracted with a collection agency. XXXX never followed up on any of my phone calls and never sent a technician to repair the damage caused by its techician. 

XXXX XXXX
Consumer complaint received 2022-05-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: FISERV INC. (TX)

On XX/XX/XXXX I proceed a transaction from my client for a job on my CLOVER account, on XX/XX/XXXX they took the transaction fee out of my account and never transferred the money.On XX/XX/XXXX I had to call to see why my transaction wasn't in my account, come to find out security is holding a review on it, they didnt send an email or an alert ( which is very unprofessional saying that the fund is in review ) ( also they never sent me back the transaction fee since the transaction wasn't made ) I asked to speak to a person in risk department and they tell me the only way to talk to them is via email and they would have to be the one to send it, also that a reply wont be back till 24-48hrs. Now it took a while 2 weeks for a XXXX XXXX only to tell me that I have to wait and that the transaction will be sent to the account the next day. Well guess what? Nothing came in and I called back again and I had to wait a whole two weeks to talk to the same LIAR called XXXX XXXX. XX/XX/XXXX ( a whole month after ) I get on the appointment with XXXX and he tells me that I should issues a refund to the client and that my account will be closed, needless to say this LIAR lied again. He told me that I can issue the refund on XX/XX/XXXX and it will be sent to the client.On XX/XX/XXXX I called the clover company ( by the way, they dont have any good communication, and they dont care about your problems to find a solution for it, theyll give you the run around till you are frustrated ) and they tell me that the refund will have to go thru security risk which might take another two weeks, but yet XXXX XXXX XXXX told me the refund will be sent to my client by XX/XX/XXXX. When I talked to my client he informed me that he hasn't gotten anything. I called CLOVER again and had to schedule an appointment with the same XXXX on XX/XX/XXXX. On XX/XX/XXXX I talk to him and he tells me that he is just now putting in the request for the refund to be released ( mind you he was suppose to do that since XX/XX/XXXX, I also requested to speak with a supervisor to which he told me none was available ( how convenient for him that one isn't available for me to report him ). on XX/XX/XXXX I called CLOVER again to which the told me someone would call me within 24-48hrs, today is XX/XX/XXXX and I have had it with all the lies and run around. this is a round for the amount of {$10000.00}
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Asset Services LLC (PA)

On several occasions EAS LLC has attempted to reach a XXXX XXXX at my number. I have had this phone number since XXXX 2016, I have been called multiple times since then. I have told them on several occasions to stop calling me. I have been promised multiple times that my number would be deleted. It has n't been. 

I have reached out by phone and spoken with a supervisor. I have sent an email by way of the company 's website. 

When they called today and I told them I was filing a complaint with the FTC, I was told that it would be a waste of time because they " ca n't touch us. ''
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (MI)

Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as XXXX XXXX XXXX.
Consumer complaint received 2017-05-05
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. (TN)

This account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my Equifax and  XXXX  reports.   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX   Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type : SECOND MORTGAGE 
Date Updated:   XXXX   
Payment Received:   XXXX  
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  $   XXXX   per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX  for   XXXX  <
High Balance: High balance of   XXXX   from   XXXX    to    XXXX  ;  XXXX  from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

Received Collection notice from Penn Credit Corporation Ref # XXXX on XX/XX/2022. Letter is dated XX/XX/2022. trying to collect a debt for XXXX XXXX Acct # XXXX that was opened in my name in Texas. I live in Pennsylvania and have never been to Texas. I believe my identity was stolen and have made a police report. I am sending Penn Credit the required information on XX/XX/2022 that they requested for correct this error.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

i have money in the bofa edd account that im unable to get. initaily i was asked to verify my identity which i have done 3 times and still im left with the same problem. its been such a headache i would like for them just to mail me a cashier check if they cant clear my account. its been about two months since this problem began. Please I need relief.
Consumer complaint received 2016-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (ID)

I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (NC)

I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).
Consumer complaint received 2022-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

In accordance to the Fair Credit Reporting Act the below account has violated my rights for privacy and confidentiality under 15 USC1681 : AMERICOLLECT INC, XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

In addition this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692gFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

In addition I have provided documents showing XXXX  Account Number : XXXX Has been paid in full and I have updated the payment history and title of the automobile title. I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

Per law you must honor 15 U.S. Code 1692g - Validation of debts. I find that either you unmoral or youre not familiar with the law therefore below is a definition.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I live off a monthly benefit check which is directly deposited in my Wells Fargo checking a count. I have been a customer since XXXX. Apparently. Wells Fargo gave me a temporary credit due to having a negative balance prior to receiving the XXXX  tax credit. Yesterday, the bank reversed the temporary credit in the amount of XXXX which is more than my monthly benefit check, leaving my account in the negative {$300.00} and no money to pay utilities, for gas, groceries, to pay car payment or live on. I do not have food to eat or gas to even leave my driveway. I can not survive, already have XXXX and struggling.
Consumer complaint received 2016-01-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NC)

Continued attempts to illegally foreclose and violate CFPB Mortgage Servicer rules. 

I received the attached response from Dovenmuelhle in regards to my mortgage loan. They state that I was I was sent a notice of breach on XXXX XXXX, 2015, but just five days before that on XXXX XXXX, 2015 I had sent in a payment of {$820.00} via XXXX. The following month ( XX/XX/2105 ) I sent a payment of {$640.00} via XXXX and the following month ( XXXX XXXX, 2015 ) I sent a payment of {$550.00} via XXXX. ALL payments Dovenmuehle has neglected to credit to my account as well as other payments I have paid after this. 

In this attached letter from Dovenmuehle, they state they sent me XXXX refund checks ( {$800.00}, {$700.00} and {$710.00} ) ... I only received XXXX for {$710.00}. Conveniently the ONLY check they mention a check number for is the only check that I did receive. 

I have been making payments for the past year that Dovenmuehle has not credited to my account, which is a violation of CFPB rules. I have attached proof of payment from XXXX that I made payments at the time they are claiming I had a " notice of breach. ''
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CT)

ive had a wells fargo account for over two years and today tried to transfer money to a linked external bank account and it told me to call customer service to verify my identity at XXXX they said both my phone numbers werent eligible to be used to verify my identity. they put two cases in one for number XXXX with reference number XXXX, XXXX with reference number XXXX they said it will take 5-7 days to make them eligible. my account number is XXXX checking and XXXX savings.
Consumer complaint received 2021-04-22
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. (OR)

My private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never consented for my private information to be shared with experian I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action.

Unless experian can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (FL)

Extended credit of $ XXXX addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. 
Therefore, I can you forward to me at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXXXXXXXXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (CO)

BC SERVICES has, by mistake, put the utility debt of another tenant on my account increasing my balance from {$420.00} to {$2500.00}. As of  XXXX / XXXX / XXXX  I have had a past due balance with   XXXX   XXXX   XXXX    Utility Division for  account number  XXXX  in the /amount of  XXXX .  BC Services bega n collections shortly thereafter ; see attached invoice dated  XXXX / XXXX / XXXX  in the amount of {$360.00}. I moved to  XXXX  in  XXXX   XXXX , I did not have the ability to pay the past due balance and my utilities where managed by  XXXX   XXXX  until  XXXX  of  XXXX .   BC SERVICES has, by mistake, allocated the utility debt of another consumer on my account increasing my balance due from {$420.00} to {$2500.00}. I have provided documentation of my account history t o BC Services  XXXX   XXXX  via fax. I have requested a verification of the information from the original creditor . BC Services forwarde d an account ledger from   XXXX   XXXX   XXXX   with the correct balance due of {$360.00}. However  BC Services is still  attempting to collect a balance of {$2500.00} from me.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My XXXX lease with Toyota Financial Services ended, XX/XX/XXXX. I received the closing statement and paid it. Account was closed never late. 
I did the annual credit check XX/XX/XXXX and found on XXXX negative comment about a balance due. The online account does not show a balance due. They never sent any communication about a balance due. In XX/XX/XXXX they placed a comment on XXXX without contacting me first. Now they are making me jump through hoops to remove it.