davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

I have reached out to Midland Funding on several occasion asking if previous payments made would go towards this credit card debt. The answer was no. The payoff balance was XXXX in 2020. I partner with a credit company called XXXX that would help me by pulling funds from my checking account to make payments of XXXX dollars bi weekly to finish paying off my debt owed to Midland Funding. I got a new job during the pandemic and started paying Midland funding through my new checking account. Within the XXXX week gap. Midland Funding sent documents of garnishment to my job to take half of my wages. Thankfully I had proof I had sent a check to them based on our agreement with XXXX. It seems my check was lost in the mail. I have proof that this company is trying to over collect on a debt that has been paid twice. I have documents proving I have paid them over XXXX in the last past 2 years. 

I would like the company to remove the garnishment from the local courts and remove this collection from all XXXX credit bureaus within 30 days or cut a check to me for XXXX they are saying I still owe to the courts. 

Thank you,
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I had a credit card with Capital One a few years ago while I was in college building my credit. I lost the card and reported it lost but my card was never locked or closed. It needed up being maxed out and I just never paid it because I felt I shouldnt have to due to them not locking it immediately when I reported it lost. Capital One closed the card and eventually charged it off for a little over {$400.00}. I contacted the company a while back and spoke to someone about settling the account out and having it removed from all the credit bureau. I was told at the time if I settled it they could remove it from all 3 and this was from one of their mangers. I settled the account a month and a half ago and when I called about it still being on my report I was then told it could not be removed due to company policies. I was told and promised that it would be removed upon settling the account and it was not. I understand policies but if that is what I was told I personally feel like it should be honored. I took it up the chain and another manager told me even though I may have been told that information she was not going to honor that. The account is settled ( although its still reporting inaccurately XXXX which Ive called about as well. I just want it removed because thats what I was told would happen.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Through credit monitoring service I learned my credit information had changed. When I checked it, I found that Experian incorrectly showed an account " in collection ''. I knew nothing about the creditor and it was clearly an error. I called the creditor and they said they didn't put that on my account. They said Experian has some kind of analytics that matched this account to me XXXX in error ). I filed a dispute and called Experian. They said the incorrect information would stay on my report until they completed an investigation ( up to 30 days ). That is an inexcusable amount of time to correct an error on their part that is affecting an innocent person ( ME ). They need to remove disputed information immediately and only put it back once they confirm it, not the other way around. I have now spent over an hour of my time dealing with someone else 's error and nobody says they will compensate me.
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-23
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. (NV)

XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with XXXX XXXX XXXX. I have never applied for an auto loan with XXXX XXXX XXXX. The auto loan account with XXXX XXXX XXXX is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from XXXX XXXX XXXX call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX  for a fraudulent account and debt of {$7000.00}, I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting that XXXX be deleted due to me being a victim of identity theft. I have contact XXXX XXXX and they have no records and says the account has been transferred. There is no account number listed but it is reporting on my credit report. I have contacted the company and they are not responding to me and this is from my identity being stolen in 2017. 


I ask that they please accept my Federal Trade Commission Affidavit and XXXX Police Report and delete.
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc. (NC)

I HAVE NEVER HAD ANY CONTACT WITH THIS COMPANY NOR DID I EVER HAVE ANY CONTRACT OR AGREEMENT DIRECTLY WITH THIS COMPANY I OWE THEM NOTHING AT ALL NO VALIDATION OF DEBT VIA EMAIL OR USPS
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams, Rush & Associates, LLC (TX)

On XX/XX/2020, I spoke with XXXX XXXX of Williams , Rush & Associates LLC in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX XXXX XXXX XXXXXXXX ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX XXXX XXXXXXXX ) , and Account # XXXX, Account Name : XXXX XXXX XXXX XXXX ( reporting on XXXX ) has violated my rights.

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 an account without my written instructions.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc. (AL)

I filed XXXX  XXXX in XX/XX/XXXX, and my attorney advised me to give back my vehicle since it was a bad deal! It was leaking oil & gas, and the check engine light kept coming on after SEVERAL repairs were done! Plus, it had a high interest rate so I agreed. My attorney said he would inform me & GM Financial, on making arrangements to surrender/return the XXXX XXXX. 
They came & repossessed the vehicle on XX/XX/XXXX while the bankruptcy was still active, then sent me a notice saying it would be auctioned on XX/XX/XXXX and I would be responsible for the balance! I did not think this was correct, and I did not like the threat of the letter! My XXXX  XXXX was DISCHARGED on XX/XX/XXXX & my attorney stated I am NOT responsible for any amounts remaining! As a matter of fact, GM Financial owes me for my down payment & money spent for repairs! GM Financial also needs to return to weatherproof mats and logo tag bracket I purchased per the Consumer Rights Act repair Section 23 : Right to repair or replacement!
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe. As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me. I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity. I appreciate your attention to this matter and expect a prompt response from your company. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (TN)

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

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2023-05-06
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. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

To whom it may concern, I have a mortgage with XXXX XXXX Bank. During Covid, starting XX/XX/2020 I put the loan in forbearance due immediate Job loss due to covid-19. In XXXX 2020, I returned back to work and Called the bank to discuss options for payments, it was decided deferral was the best option and we worked with loss mitigation to make this successful. It has been over a year and it is still not cleared up. Since XXXX 2020, we continued to make monthly payments and have paid a total of {$16000.00}, a total of 13 months of payments. We call every month trying to fix this problem but they keep messing it up. Now, we are in a terrible financial situation due to this problem.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

NATIONAL CREDIT SYSTEMS has refused to validate the debt or to provide me with any documentation that proves that I owe the debt. I believe that the debt is either invalid or FRAUDULENT. NATIONAL CREDIT SYSTEMS is engaging in debt collection without a valid license, which is in violation of applicable laws and regulations. I believe that NATIONAL CREDIT SYSTEMS is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of Se

ction 807 ( 2 ) You are Continuing communication after a cease and desist request. Violation of Section 1692 ( g ) : Failing to send a written debt validation notice within five days of the initial communication with the consumer about the debt. Violation of Section 1692 ( d ) : Repeatedly calling with the intent to annoy, abuse, or harass I, the consumer. I understand that under 15 U.S.C. 1692, I am entitled to statutory damages of up
to {$1000.00} for each violation of the FDCPA.
Consumer complaint received 2022-07-14
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. (GA)

XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, XXXX, and TransUnion in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, zero public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (PA)

received a correspondence from Discover dated XX/XX/2022, in reference to taking adverse action against my account attempting to explain why I was denied. Not only wasnt I put on notice of a reduction of the credit limit 45 DAYS prior pursuant 12 CFR 1026.9 ( c ) ( 2 ) ( vi ), I REJECT their offer of the new proposed credit line of {$11000.00} pursuant to 12 CFR 1026.9 ( h ). I in good faith exercised my right to extend credit as a consumer and a creditor and I was denied for no specific reason. Discover has clearly DISCRIMINATED against me pursuant to 15 USC 1691 ( a ) ( 3 ) with an alleged assumption that Im in a situation that affect my credit worthiness. The reason ( s ) provided were insufficient pursuant 12 CFR 1002.9 ( b ) ( 2 ) based on their decision to take adverse action from an obtained credit score at the time Discover obtained my information from XXXX. Discover also violated federal law and will be held civilly and criminally liable due to violating XXXX5 USC 1602 ( p ) for using my credit card ( as defined under 15 USC 1602 ( l ) ) with no apparent authority and I the cardholder and consumer received no benefit. Discover are now civilly and criminally liable under : 1. 15 USC 1611 2. 15 USC 1691e 3. 12 CFR 1002.16 4. 12 CFR 1026.1