davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (MO)

This company ( Midwest Recovery System ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my XXXX Given name ( XXXX XXXX : XXXX XXXX XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <XXXX   of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX and deceived by Cavalry Portfolio Services , LLC. Cavalry Portfolio Services , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Cavalry Portfolio Services , LLC. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2021 around XXXX XXXX PST I easily opened accounts at both XXXX and XXXX. My intention was to place a security freeze on my files for my credit protection, and to do nothing more. I had NO difficulty doing this task at both agencies. However, at Experian, I gave all the information their web site demanded ; current address, soc. sec #, etcetra and I THOUGHT I opened an account, but when I finally found the link to place a security freeze on my account, a message came up that Experian was " unable to honor your request to place a security freeze on you personal credit report ... '' In this message they then demand that I MAIL sensitive information to them to prove that I am the person wanting to protect my own credit. That is rediculous and I refuse to do it!!! I don't even know if my account was activated or not? The usernames, password, security questions I created, all for nothing? What is the point? I am not trying to obtain credit information from them. I am simply a consumer who wants to take a proactive step and protect my credit.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (WA)

I had ( 2 ) open credit card accounts with Fortiva. Each card has incurred a monthly service charge and once a year an annual fee. I originally applied to these credit cards in an effort to build my credit and to show more available credit as eventually I would like to buy a home. 

I have used the credit cards minimally, have always paid monthly balances on time, and as mentioned above, even without charging pay the monthly service charge and an annual fee. 

I received emails yesterday informing me that because I have not used my cards in a while, that they are closing them. When I spoke to customer service this morning they informed me that not only could I not have them reopened, and that they would be reporting to the credit bureau as a " negative '' that these accounts were closed. 

I have several credit cards, and none have ever penalized me for " inactivity '' and reported negatively to the credit bureaus. 

I feel like I have been penalized for exhibiting responsible credit behavior by Fortiva and their emails informing me they closed my accounts occurred on the same day that the Federal Reserve raised interest rates. Between both accounts, I paid close to {$23.00} a month in service charges and annual fees just to show the available credit. I planned to close the accounts once I was able to purchase a home. 

It seems to me that I have been ripped off by this company month after month and that now it's going to affect me negatively on my credit reports.
Consumer complaint received 2022-06-09
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

Spoke with customer service yesterday, XX/XX/XXXX, and was told the amount of {$550.00} incorrectly debited from my account while it was frozen due to fraud would be returned on Wednesday to accurately reflect my true account value, XX/XX/XXXX after the system updated. 4 line items were nondescriptly posted to my account as Paid Item listed under the category Other : XX/XX/XXXX {$7.00} {$13.00} XX/XX/XXXX {$10.00} {$520.00} The only individuals who had access to my account at that time to enact debits were Suntrust Bank employees, as the accounts debit ability was disabled as well as online access. Suntrust Bank continues to delay use and possession of my personal property citing internal processes for the fraud and systems for the erroneous debits : an ostensible, rather than veracious reality due to severity, frequency, and consistency. 

Due to this instance, I will submit the requested amended complaint to reflect recent findings, remove XXXXXXXX XXXX from any culpability due to Identity Theft compliance, and add Suntrust Bank due to proven theft. The selected jury in case number XXXX with judge XXXX XXXX XXXX presiding will oversee the proceedings to determine if Suntrust Bank remains an ongoing concern or is demanded to divest, terminate, and dissolve.
Consumer complaint received 2019-10-28
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. (WI)

I am disputing the charge that was placed on my credit report by XXXX and XXXX XXXX for {$2800.00}. I ordered a phone, XXXX, and watch from XXXX but did not receive the devices. I contacted XXXX and they told me to contact the police and file a police report, then they would send me new devices. On XX/XX/18, I contacted the police and filed a report. Then, I contacted XXXX again and informed them that I have filed a police report so they can send me new devices. However, XXXX did not send me any new device, but still charged me for them and placed me on collection for the charge. I have sent a letter of dispute to XXXX, XXXX XXXX, and the three credit bureaus ( XXXX XXXX, XXXX, Equifax ). XXXX XXXX and XXXX both deleted and removed the disputed charge from their credit reports. However, Equifax did not remove the charge from its credit report.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (WI)

XXXX my mortgage came due for a balloon payment. I called PHH mortgage to refinance and they told me it was to late. I said what? to late, why? they said I had to apply before the due date. I didnt know this and said what now? they said i could apply for a modification. So they went through everything with me to fill out application with them over the phone. so I did. then I had to submit bank statements and pay stubs etc ... everything they ask for. I did it. they said It would take at least 30 days to process. It was Late XXXX. I think around the XXXX the letter was dated that I was denied. They had set up a phone call for a meeting and in that call they asked for more paperwork, which I submitted to them via fax and / email. Everything they wanted. They have every bank statement from at least XX/XX/2021 till now to prove my income. they just kept asking for more and more. I sent more, everything. They kept saying they were reviewing. In the mean time they were reporting I wasnt making my house payments on my credit. They wouldnt take my house payments. I tried over and over. I would even get calls from them wanting an house payment and then they wouldnt take it. I could make my house payments the entire time. I had a representative from PHH mortgage tell me to write a hardship letter and explain my situation. I did and she told me to make an offer to settle the account. Which I did more than once. All I get is the run around. They said they wouldnt foreclose as long as they were working on the modification but now they are and have turned it over to an attorney. I tried to get other financing and since theyve ruined my credit I cant get financing to save my house. I've been here XXXX  years and Im fighting to keep my home. So I contacted the Wisconsin Help for Homeowners and the person in charge in my area told me to report PHH mortgage to you because she questions why they offered me a modification. She said you can only modify a loan that exist, technically she said since my loan came due I dont have a loan to modify. She feels like we do now that we have been strung along so they can steal our home from us with the markets on housing being what they are. I have almost half of what is owed on my loan and qualify for a grant from the state because of me not working because of covid. The girl from the state called PHH mortgage to discuss the situation and get them to accept the request from the state to be on the list for the grant. She was transferred and disconnected 3 times trying to get information. I gave them written permission to talk to her as well. Im desperate. Please help us. I dont want to lose my home. I can make my payments.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2018-12-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JAN (LendUSA) Holdings, Inc. (NH)

OnXX/XX/2018 I resigned as a Loan Officer with LendUS ( XXXX XXXX XXXX  ). Per my Loan Officer compensation plan for 2018, I am due 100 % commissions for any loans closed within 30 days, for which I had 2. That equates to roughly {$10000.00} ( pre-tax ) owed to me before any deductions. I was due payroll payment today-XX/XX/2018, but did not receive anything. No information was provided either on the lack of payment. I did also notify the Labor Boards for both California and NH ( the state I work and reside in ) of this wage payment failure. 40+ other LO 's are also in the same horrible situation due to LendUS 's disregard to pay separated employees. 
( please remove the following if you post this ... ) Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (TN)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX XXXX XXXX - Opened XXXX {$220.00} XXXX XXXX XXXX Opened XXXX {$230.00}
Consumer complaint received 2022-06-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collection accompanies do not have a contact with my signature.
Consumer complaint received 2021-08-11
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. (FL)

Around XX/XX/XXXX, I submitted a dispute because there was a few fraudulent accounts on my credit report. I have nver done any business with these companies. I am not a person that checks their credit frequently but i check it because i am trying to get a house for my family and i saw the fraudulent accounts. I reach out to the credit bureaus XXXX  XXXX and transunion regarding these accounts and they explain to me that i need an FTC report. i am asking that these account to be removed from my credit because ive nver done business with these companies.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I consumer ( XXXX XXXX ) reached out to all credit bureaus requesting that this Bankruptcy to be removed from my credit report which is in violation like the mentioned below 15 USC 1681 ( A ) ( $ ) Infringed upon a consumer right 's to privacy 15 USC 1681 ( b ) ( A ) ( 2 ) No permissible purpose/ No written instruction I have included documentation to prove that this was not and should not be on my credit report. All information on a consumer is to be verifiable and accurate. I have tried to resolve this matter but no update to my credit report.
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX  that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.
Consumer complaint received 2019-10-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (TX)

1st ) XX/XX/XXXX I received my first letter from a company called Cashnetusa.com regarding a cash advance that I never took out, for {$300.00}, due XX/XX/XXXX TEL : XXXX I immediately called the company and told them that I never applied for a cash advance from the company & I have never heard of the company until I received the letter from them. They told me to file a police report to prove that it was identity theft and fax them the police report, which I did. 

2nd ) XXXX XXXX, XXXX I received my second letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX. 
TEL : XXXX I obtained a police report as requested on XX/XX/XXXX Faxed police report to Cashnetusa.com on  XX/XX/XXXX 3rd ) XX/XX/XXXX I received my third letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL :  XXXX 4th ) XX/XX/XXXX I received my fourth letter from Cashnetusa.com for {$310.00} due XX/XX/XXXX TEL : XXXX 5th ) XX/XX/XXXX I received my fifth letter from Cashnetusa.com for a settlement offer for {$230.00} due XX/XX/XXXX TEL : XXXX 6th ) XX/XX/XXXX I received my sixth letter from Cashnetusa.com for a settlement offer for {$150.00} due XX/XX/XXXX TEL : XXXX 7th ) XX/XX/XXXX I received a letter from a creditor company called XXXX XXXX for {$620.00} ( No due date ) TEL : XXXX 8th ) XX/XX/XXXX I received my first letter from a company called XXXX XXXX XXXX XXXX XXXX for {$230.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 9th ) XX/XX/XXXX I received my 2nd letter from XXXX XXXX XXXX for {$300.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX XX/XX/XXXX XXXX XXXX XXXX , an identity fraud support caseworker from a credit monitoring company called XXXX XXXX contacted Cashnetusa.com with me and we spoke to XXXX XXXX XXXX who asked me some questions regarding the cash advance. She asked me if my birthday was on XX/XX/XXXX, I told her no. 
After I clarified my correct date of birth with XXXX she told both XXXX XXXX and I that she would close the case against me, due to the fact that the person who took out the cash advance had a different birthday from me. 

10th ) XX/XX/XXXX I received my 3rd letter from XXXX XXXX XXXX for {$98.00} due XX/XX/XXXX TEL : XXXX Ex:XXXX 11th ) XX/XX/XXXX I received a letter from XXXX XXXX , Wage Garnishment Division, Restitution Amount : {$690.00} & Garnishment Amount : {$2000.00} due 10 days of the date of the letter TEL:XXXX