davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management keeps sending threatening lawsuit messages. This debt was discharged by XXXX and sold to this company I have NO contract with this company and have asked numerous times of proof of a contract with them which they have no provided I owe Then {$0.00} as my debt was discharged by my bank I want Them to stop sending lawsuit notices and threatening me over email and mail. Please help XX/XX/2023 for {$55000.00} Continuing to fraudulently threaten me No wet signature contract! Liars!
Consumer complaint received 2023-03-27
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. (CA)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (NV)

I found an entry on my credit report submitted by Allied Collection Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I called to find out what this was about and they claimed it was related to pool services yet they never contacted me about the debt before submitting it to credit agencies. When I spoke to Allied Collection Services, they admitted they had the wrong telephone number for me, and had never contacted me about the debt, but instead claimed that by me disputing the entry on my credit report, this constituted being contacted by them about the debt. Again, before having the entry for a debt added to my credit report, Allied Collection Services : ( 1 ) never spoke with me in person about the debt ; ( 2 ) never spoke to me by telephone ( they claimed to have left messages though they admitted the messages never mentioned a debt ) ; ( 3 ) never mailed a letter ( though they claimed they had ) ; and ( 3 ) never sent me an email about the debt, prior to contacting the credit reporting agency. The debt itself relates to a matter in dispute with a pool services company. At the time they claim to have sent me a letter I was still trying to resolve the issue with the pool services company. If I had been properly contacted I would have let Allied know this. As of now, the underlying issue with the pool company will have to be settled through litigation. When I called Allied Collection Services after seeing my credit report to try to resolve the issue with them, I was told to " do what I have to do '' and hung up on, so I'm now filing this complaint.
Consumer complaint received 2023-03-27
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)

Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA.

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous.

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (IL)

For over a year I have been disputing XXXX XXXX XXXX with Experion Credit Bureau asking them to please verify this debt because it is the wrong amount Everytime I file a dispute, Experion response back within days giving me a response that this debt has been verified I then asked how did they verify the debt and they tell me the company told them so without even giving me any documents Experian keep telling me I need to contact the debt collector and get the information from them which I have tried and notified Experian that the company will not provide me the proper documents as of now Experian has still not provided me the proper documents verifying this debt and they still have it on my credit report after I have asked for it to be deleted
Consumer complaint received 2020-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (LA)

I have been repeatedly contacted by a company by the name of Phoenix Financial Services LLC in XXXX, IN. This company is requesting that I pay them {$1000.00} for XXXX XXXX XXXX XXXX XXXX. I have no idea where this bill is from or if it is being billed to the wrong person. I have tried disputing this claim with XXXX  but had no success and have even tried to review my records to see where this bill could have possibly come from. I have always been good with paying bills that I do owe, but I can not give away my money to a company I do not know and don't even know why they are requesting the money. I have never done business with Phoenix Financial Services LLC or XXXX XXXX XXXX XXXX XXXX before and therefore I feel that I should not have to pay them anything. This bill is negatively affecting my credit and I need something to be done about this as soon as possible. They keep offering me deals to pay it off but I won't pay any money to a company I have never heard of. Either this charge is fraudulent or simply incorrect and I just need it removed from my name.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (CT)

Nationwide acceptance contacted me on numerous occasions. The first occasion was on XX/XX/23 and we spoke about rates and they said they could beat my current rate and when I told them it was at XXXX they gave me a rate of 7.50 % and I said that is not beating it and take me off your calling list immediately. It was stated to me that it would take up to 30 days, but again on XX/XX/XXXX    they called and I said take me off your list I am not interested and I just told you this 3 days ago. I received another call on XX/XX/, said take me off your list and I told them on XX/XX/XXXX  they said it would take 30 days but you need to take me off your list, I then got hung up on. XX/XX/, I told them to take me off their list along with telling them I'm on the FTC do not call list with XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/23, and then lastly today I got XX/XX/23 and I said I was told on XX/XX/XXXX  that it would take 30 days and this is past 30 days and I asked you to take me off my list and I had enough of these phone calls. This phone call happened at XXXX XXXX  and these calls have come in at various times such as XXXX XXXX XXXX  and they came in between XXXX to XXXX on these dates. I have also received a call today XX/XX/XXXX  at XXXX XXXX  and told them I've told them time and time again I asked for me to be removed and I am now requesting {$1500.00}. They also called from number XXXX
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (NY)

Numerous attempts to confirm the balance on the XXXX XXXX XXXX card online have been unsuccessful. I attempted to transfer the full amount to my bank account via thier system and the system kept freezing before I could submit the info re my account. In retrospect I am glad, because I have no desire to provide this info to a third party. In the same way that I don't allow the IRS access to my bank account. And in order to get the full amount out in cash will require 3 separate trips to an ATM and then to my bank to deposit that cash. Not a good idea with covid 19 Why were we not given the option of receiving a check in the same way we receive any tax refund?
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2020 I paid off my Citizens One Home Loan. On XX/XX/2020 Citizens One Home Loans issued a Escrow refund of {$5500.00} via a check # XXXX. The check arrived in the mail XX/XX/2020 ripped in half and I was unable to deposit the half I had due to missing pieces. I contacted Citizens One to receive a callback on XX/XX/2020. Upon getting the call I was told to return what I had of the check with a letter requesting a new check. I mailed the check back on XX/XX/2020 with a letter stating the account number, the check number, and direct request to have a new check issued and requested to have a notice to my accounts secure message that the check was received. I never received any notices. On XX/XX/2020 I requested another call from. Citizens One Home mortgage to get an update on the status of the check. I also sent a secure message to customer service. During the call I was told that there were no updates on my account and no new checks were mailed. The customer service rep. said she would open another request on the account to have a new check mailed. On XX/XX/2020 I received a notice over secure messaging that my account shows that I notified Citizens one mortgage that I mailed the check on XX/XX/2020 and that a new check would be issued when they receive the old one.  Either they did not process the letter or USPS lost the return letter as it has been 20 days since I mailed the check back and it doesn't take 20 days to mail anything anymore. 

It has been 41 days since I paid off my loan. Citizens One Home Mortgage is still holding my escrow hostage and I believe this is in violation of RESPA 1024.34 ( b )
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On XXXX, I purchased an item with my TD bank debit card for {$130.00} at the Nordstrom Rack located at XXXX XXXX XXXX, on XXXX, I returned the purchased item to my TD Bank debit card for {$130.00} to the Nordstrom Rack located at XXXX XXXX XXXX. On XXXX, I noticed a debit transaction on my Bank account for {$130.00} with an explanation of ( XXXX Nordstrom XXXX XXXX XXXX ). I called TD Bank customer service, I was advised by TD Bank associate that it was a debit transaction done by TD Bank due to a dispute from Nordstrom of XXXX XXXX XXXX. I was never advised prior to TD Bank debit to my account of Nordstrom disputing the previous credit of the return item. I was charged by Nordstrom the purchase item, therefore when the item was returned I received a credit. There is nothing to dispute. When I raise my complaint on XXXX, as per my request a TD Bank customer service XXXX issue a provisional credit to my account. It is common knowledge that TD Bank purchase Nordstrom credit card portfolio, CONFLICT OF INTEREST. TD Bank has no legal right to debit TD Bank customers checking accounts on behalf of Nordstrom for a transaction done with a TD Bank debit card. My money is not safe at TD Bank.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

It's been almost a full year since my Savings account has been marked as " Inactive '', and despite my doing everything they asked of me, they have still NOT reactivated my account, and so I can not add/ withdraw/ access my money. I'm still not sure why the account has been marked as " Inactive '' last year, but sometime in XXXX last year, it looked like I was able to get it reactivated over the phone, however less than a month later, when I tried to add funds, the account was once again locked. They said it's because there has been no " activity '' in the last three years, although there was a deposit back in XX/XX/2022. 

The Citi Customer Service gave me XXXX options to reactivate my account. One would be to visit a branch to verify my identity, address and phone number, which unfortunately isn't an option for me since Citi does NOT have any branches in XXXX  XXXX. The second option is to send a letter, verifying my name, phone number, address, etc. and requesting they reactivate my account, which I did TWICE already ( the latest this last month, see attached tracking information showing the letter delivered on XX/XX/XXXX ), yet I got ABSOLUTELY NO RESPONSE, and the account is still Inactive. This is ABSOLUTELY PREPOSTEROUS, these are my life savings in that account, and I haven't been able to access the funds for more than 8 months now, so I need Citi to come up with some option to get this issue resolved, and reactivate my account for full access.
Consumer complaint received 2023-03-27
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-27
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. (TX)

Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, TransUnion, XXXX, and XXXX regarding account XXXX XXXX XXXX Account Number XXXX. And to TransUnion again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from XXXX with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from TransUnion that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from Equifax, they couldn't even be bothered to respond.

I just pulled another copy of my credit reports and it is still showing these inaccuracies.

15 U.S.C. q681s-2 ( A ) ( * ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

submitted a dispute for incorrect information reporting regarding a collection account. the balance reporting is inaccurate and should be XXXX. attached is a screenshot showing the inaccuracies and XXXX is saying the info is valid.
Consumer complaint received 2023-03-27
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. (AR)

XX/XX/2023 A letter was received that the credit bureau ( Experian ) sent to me on behalf of XXXX XXXX XXXXXXXX stating the application # XXXX received XX/XX/2023 from the car dealership XXXX XXXX of XXXX, when I applied for a loan and it was not approved by XXXX XXXXXXXX XXXX. The problem or complaint that I have is that the letter had my full social security number on this letter. Today, XX/XX/2023, I called XXXX XXXX XXXXXXXX and they told me that letter came from the bureau ( Experian ). I was alarmed that my full social security number was on this letter. I have never seen such a thing. I tried calling Experian but automated voice would like allow me to speak to a live person to explain that they sent a letter with my social security number. Needless to say I am really disturbed about this with all the fraud that comes up, it's not a wonder this stuff happens. If you can help me resolve this I would be grateful. I have the letter to prove my social security number is exposed in this letter. Thank you for your attention!
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (CA)

I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.