davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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. (GA)

I continuously received bills in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I get my report back and I was furious with the amount of items I saw on my report that I know do not belong to me. Please remove these items from my credit report. 

XXXX XXXX {$23000.00} AUTO ACCEPT XXXX {$9900.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2021-01-06
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: ALLY FINANCIAL INC. (MO)

Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX 11.XXXX XXXX XXXXXXXX , XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX
Consumer complaint received 2020-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (WI)

Letter dated XX/XX/2019 from Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA XXXX Attn : XXXX XXXX, Consumer Support Services The letter dated on XX/XX/2019 indicated that Midland Credit Management , Inc., ( MCM ) was sold the debt from XXXX XXXX, and would be collecting {$3600.00} on a so-called account that ended in XXXX addressed to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX WI XXXX. 

Following this letter, I received repeated phone calls from so-called representatives of MGM wanting to collect on this amount. I informed them that the account ending in XXXX was not a legitimate account associated with my name, and that there simply was no account or credit card number that I had ever possessed that ended in XXXX. I had requested multiple times for MCM to send documentation to prove that this account was associated to me, authorized by me, etc., and what this so-called debt consisted of pertaining to whatever items, dates of purchase, etc. 

Despite these repeated requests, nothing was ever provided, and on one call with an account supervisor who inquired if I had been in Texas during the past two years, and finding out that I wasn't, he said it certainly appeared to be a part of fraudulent claims, and that he would clear up this matter on his end and send written confirmation that I was no longer liable for any of the so-called stated charges. 

Following my documentation and sending MCM a letter to this effect, they said that they would review, but after a short period of time, sent a letter requesting that I submit to them a copy of a police report, notarized fraud affidavit, or a completed FTC fraud affidavit. The problem is, there is no evidence of identity theft or fraud that they provided, as no billing was ever sent and received by me regarding this amount, nor did I ever have an authorized account that ended in XXXX, so how could a claim be filed, except against MCM for attempting to collect on a debt not associated with me. Further, on XX/XX/2019, MCM sent a copy of a letter dated XX/XX/2019 from XXXX XXXX  showing that the XXXX XXXX in question resided at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, and the letter to this XXXX XXXX was to inform him that this account was sold to MCM on XX/XX/2019, and that this XXXX XXXX should contact MCM at a XXXX XXXX address and phone number. 

This obviously relates to another individual that may have the same first and last name. How this all then got referenced to me, who resides in XXXX XXXX, WI is such a flagrant and obvious notification that this does NOT pertain to me. What has MCM done ... contact every XXXX XXXX in the nation attempting collect for the XXXX XXXX that resided in XXXX, TX?
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions (CA)

HI ABOUT 3 YEARS AGO OR LONGER MY JOB TRANSFER ME TO NEW MEXICO AND I FOUND A APARTMENT CALLED XXXX XXXX   XXXX  I FILLED OUT A APPLICATION AND GOT APPROVE I EXCEED WITH THE DEPOSIT AND FIRST MOTH RENTS THIS WAS ON A FRIDAY LATER THAT WEEKEND ON SUNDAY I GOT NOTICE FROM MY EMPLOYER THAT THEY WERE SENDING ME BACK SO I WENT IN THE OFFICE AND TALKED TO ONE OF THE MANGER AND TOLD HER MY SITUATION ABOUT THE JOB SHE ASKED IF I MOVED IN AT ALL I SAID NO WHICH I HAVENT SHE SAID OK I WOULD FORFIT MY DEPOSIT AND RENT AND ILLJUST HAVE SURENDER THE KEYS I GAVE THEM TO HER SHE WALK OFF THE APARTMENT WITH ME AND I ASKED HER IS THERE ANYTHING ELES I NEED TO DO SHE SAID NO. FAST FORWARD 3 YEARS LATER WHEN I TRYING TO GET APARTMENT I GET DENIED BECAUSE I OWE XXXX DOLLARS OF RENT! SO I CALL THE CREDITOR WHICH THE DEBT IS SENT RENT ROCVER SOLTIONS AND THERE SAYING I OWE XXXX WHICH I DIDNT GET NO LETTER OR CALL FROM THE APARTMENT OR ANYONE SAYING I OWE ANYONE. 
I HAVE TRIED TO CALL THE XXXX BUT THEY ARE REFERING ME TO RENT RECOVER SOLTIONS AND THEY CANT DO ANYTHING ABOUT IT
Consumer complaint received 2021-01-07
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX BANK ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORT ON BOTH OF MY XXXX XXXX XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding putt my account in collection status as of XX/XX/XXXX. I did not open an account with Midland funding and nor do they have my consent to report anything on my credit or any public record. 

I had an account with XXXX, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by Midland stating you can start paying and paying XXXX account, without explaining that XXXX has already reported this account as charged off in XXXX and no matter what i do Midland can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with XXXX, I explained the whole situation again to then and asked them for my original contract with XXXX to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with Midland and the XXXX account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge Midland as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I paid off my promotional deferred interest balance last month but I had pending transactions that could not be paid yet and they added those new charges to my promotional deferred interest amount. 

They do not have an option to pay just the deferred portion only and told me that it was my fault for not understanding how it works. 

I talked to a manager and they had no interest in helping me and told me that if I wanted to make sure it was paid off I need to not use the card until the promo was paid. 

Citi Bank " BestBuy credit card '' and the deferred interest program is a fraudulent way to rip off responsible consumers by using predatory lending practices to hit consumers with massive amounts of back interest through hidden clause 's buried deep within a mile long agreement!
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

On XX/XX/XXXX I made a phone payment in the amount of {$750.00} to my mortgage servicer, KeyBank. On XX/XX/XXXX, I saw that the payment overdrew my account at XXXX XXXX XXXX where my checking account exists ( my direct deposit from my job hit my account on XX/XX/XXXX which caused the overdraft for the payment ). I immediately called KeyBank and advised them of the insufficient funds and ASKED MORE THAN ONCE if they automatically try to RESUBMIT THE PAYMENT FOR THE {$750.00}. I was told " KeyBank WILL NOT GO BACK INTO THE ACCOUNT, RESUBMITTING THE PAYMENT. '' I was concerned if I made another payment and this was incorrect, my XXXX account would be overdrawn because I had other items scheduled to be taken out of my checking account that normally come out during the first week of every month. After the representative made clear that there would not be a second attempt to get the payment, and me not wanting to have an outstanding amount owing, I made another payment with my checking account with the representative at that very moment on XX/XX/XXXX. On the very next business day, XX/XX/XXXX, my account was negative for TWO PAYMENTS of {$750.00}. I left work early after making an appointment with XXXX XXXX to try to get the double payment reversed and at the same time called KeyBank to explain what happened to see if in fact my bank could not reverse the error IF THEY COULD AS A RESULT OF THEIR ERROR REFUND ME MY {$750.00}. While they apologized for the incorrect information I was told because they do and did make the 2nd attempt and collected a double payment, I was told they could keep the payment for XXXX OR SEND ME A CHECK AFTER THEY LOOKED INTO IT WHICH WOULD TAKE SOME TIME. This was not acceptable. My bank worked with me and said they could TRY to reverse the payment and refund A service fee, however, I had other items that were going to post which would cause more than one overdraft fee, which is what has happened since XX/XX/XXXX UP TO THE WRITING OF THIS COMPLAINT XX/XX/XXXX. I received more incorrect information after calling KEYBANK again to ask for a refund and was told THEY DO NOT REFUND OVERPAYMENTS. My account is SEVERELY OVERDRAWN and XXXX XXXX XXXX can not overturn " multiple reversal/return fees and overdrafts '' which are 100 % KeyBank 's responsibility for going into my account on multiple occasions. My checking account is ruins. I met with the General Manager of XXXX XXXX who tried very hard to help me, but a lot is out of his hand. There are notes on both accounts that outline this entire fiasco. PLEASE HELP ME!
Consumer complaint received 2020-01-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (MS)

I have a loan through Security Financial in XXXX Alabama. I have defaulted in the payments but they have. Even harassing people that I DID NOT put on my contact list. They contacted my fience and told him I used him as a contact ( which I did not ) and that he needed to tell me that I must contact them that they were going to take legal action. They should not be able to tell people my business let alone XXXX  my name and locate people I know. They also contacted my daughters boyfriends sister and told her that again I used her as a reference ( which I did not because I do not really know her ) and that she needed to tell me to contact them. They are harassing everyone. I owe {$590.00}
Consumer complaint received 2020-01-21
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. (SD)

Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. XXXX, experiences, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. XXXX  automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NC)

I am unsure of the validity of this company, first and foremost. I needed the money to pay for a class after falling on hard times and I was unable to secure a regular loan. My first concern was that the application said I did mot have to authorize ACH transfers for my payment. I then received notification saying I needed to call their service center to complete verification. At this time the representative advised ACH was required and I would not receive my loan if I didn't sogn the authorization. My first payment drafted in the payment date, but was so early in the morning it drafted before my check cleared. I decided to research the company after that and requested that my next payment be deferred before I allowed them to draft again. After researching, I found that this company is supposedly owned by, but not located, on an XXXX tribe of some sort, and therefore immune to federal or state laws. I have sent notifications of revocation of consent for ACH, but have received no response in return. I have seen many complaints with the XXXX regarding the company continuing to draft accounts after consumers revoked their ACH consent. I feel like this company has lots of similarities to the XXXX XXXX scam and want to know my rights if they continue to draft my account after multiple notices of revocation of ACH. I was also told my the representative when I requested the deferral of my last payment that if I deferred the payment, I could not pay off the loan prior to my last payment date, which to me sounds like I would have to pay the 794 % interest for the full 12 months as opposed to paying the loan off early once I receive my reimbursement from school next month. Is this legal?