davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Around XXXX while living in XXXX XXXX, I owed XXXX around {$3500.00} when they changed the small print of debt swaps for {$0.00} interest. While I was still making payments, they sold my debt to unknown persons. 
In XXXX, when I had moved in with my parent in northern XXXX I was approached while mowing the back yard lawn by a woman with a fake police badge and a court document, which I assumed was fake, about collecting a debt. I refused to sign. They sent me something in the mail as well, from Asset Acceptance, alleging that I was wanted in court, which I assumed was also fake. A week or so later, a large middle-aged man came to the door and entered the house, loudly demanding that I file for bankruptcy, which I found absurd for such a small amount. I had to push him out of the house. In retrospect I should have called the police. I remember wanting to do so. I felt that I had been subject to discrimination in that area of XXXX  ( XXXX XXXX ) by employers because I am an XXXX War veteran and so I was somewhat used to negative treatment. 
I never heard from Asset Acceptance again until a year into working for the United States Postal Service in XXXX, XXXX, in XXXX, when they began garnishing my paychecks for over {$9000.00}. This time they were under a different name, Midland Credit. That's because Asset Acceptance was disbarred by the XXXX  XXXX XXXX due to a class action lawsuit. I immediately took them ( online, virtually ) to the same small claims court in XXXX, XXXX, which had apparently aproved the debt collection, arguing that the debt was time barred, but to no avail. The judge felt that I should have contacted them. I did in fact contact Midland Credit in that timeframe and the virtual chat person gave me the run around. 

I just read the CFPB report on your actions against Midland Credit and am wondering why this company is still allowed to do business in this manner. They prey upon the poor, hoping they won't be able to defend themselves. This certainly isn't an American virtue, let alone the propper way to do business in any country.
Consumer complaint received 2022-03-26
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. (TX)

Letter sent transunion still yet to follow law company zero out balance but not remove account which is a violation of my demands and my rights.

To Whom this concern. 

Please forward to person of interest. 

I am writing to disputeXXXX XXXX XXXX, XXXX and XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX, ] on credit report. The balance listed on the account is incorrect. 

YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. 

YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Consumer complaint received 2022-09-21
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. (GA)

hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXXXXXX XXXX  help and remove this is hurting my family
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to TRANS UNION on several occasions concerning this matter. On XX/XX/2022, I sent TRANS UNION another certified mail letter with a copy of my identification card, requesting they remove a name that does not belong to me and more personal information be removed for privacy purposes from my consumer report and I have yet to receive a response. 
TRANS UNION is in violation of my rights as a Federally Protected Consumer.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

THE REPORTING AGENGIES HAVE MY NAME WRONG AND ADDRESSES THAT DONT BELONG TO ME. THIS NEED TO BE CORRECTED IMMEDIATELY THIS IS A FORMAL COMPLAINT THAT THEY ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. I AM DISTRESSES THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE AND THAT YOU HAVE FAILED TO MAINTAIN REASONABLE PROCEDURES IN YOUR OPERATIONS TO ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORTS YOU PUBLISH. CREDIT REPORTING LAWS ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION. EVERY STEP MUST BE TAKEN TO ASSURE THE INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT.THE FOLLOWING INFORMATION THEREFORE NEEDS TO BE RE INVESTIGATED.
Consumer complaint received 2022-03-26
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)

Sent letter. Proper changes were not made zeroing balance is not removal To Whom this concern. 

Please forward to person of interest. 

I am writing to disputeXXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) and XXXX, XXXX and XXXXXXXX XXXX XXXX and XXXX, XXXX XXXX  and XXXX, XXXX XXXX  and XXXX, ] on credit report. The balance listed on the account is incorrect. 

YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. 

YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On Saturday XX/XX/22 I was notified I had overdrafted. I looked at my account and a check had been cashed for {$5000.00} and in the memo it read " car sale ''. I was very upset so I went to a local Citizens Bank and told the teller what was going on and was told that they had no time to see me, and she sent me to another branch. This upset me further but I went to another branch. The teller began saying they had no time to see me at this location as well, despite telling her a large check was cashed and it was not me who wrote said check. She told me to come back in 45 mins. I returned and dealt with the same XXXX I dealt with on XX/XX/22 when my debit card was compromised. I explained I did not write this check as I have never had a check book, and asked why I wasn't notified about such a large amount of money being withdrawn. I was told the bank can not notify every person whenever a check is cashed. The bank did not mention/offer a provisional credit and actually had me withdraw my own money to get through until I spoke to the police. At this time the fraud department ( who I could not get through to at all during the morning ) had the complaint and was beginning their investigation, so the bank XXXX told me to come back on Monday XX/XX/XXXX at XXXX. I returned this morning and asked several questions 1. How did this check get cashed when they have on record I have NEVER written a check OR ordered checks from them.

2. I was in the bank not 2 weeks earlier reporting a fraudulent attempt on my debit card, at which point I was issued a new one. So why wasn't my account flagged as it was reported by me to the bank XXXX that my information was attempting to be stolen. 
3. My car payment was taken out the same day I supposedly was spending {$5000.00} on a " car sale '' as the memo read. And this went unnoticed within THE SAME BANKING INSTITUTION! 
4. The {$5000.00} check was deposited on XX/XX/22 and sat for 3 days waiting for approval to go through, and I was NEVER NOTIFIED! 
5. The check and signature are CLEARLY not written in my hand writing. 6. I do not overdraft often, why didn't anyone notice that this check was for {$5000.00} and I only had {$300.00} in my accoun
t. 
I have had to take {$1500.00} of my own money to use while this is being investigated and was told by the XXXX today that this shouldn't have ever happened due to all the reasons listed above. 
Nothing was done by Citizens Bank to prevent this money from being stolen. I asked why there is a fraud dept and why I'm giving them my money/business to protect my money, when not ONE SINGLE PRECAUTION was taken to stop this check from being cashed.
Consumer complaint received 2022-09-15
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Driveway Finance Corporation (CA)

I received an auto loan with XXXX XXXX XXXX XXXX finance XX/XX/XXXX. I had issues with billing and arrangements ending in a repossession. In XXXX a new company Lithia/driveway finance '' began reporting an auto loan on my credit. I have had XXXX on three occasions challenge the debt as I've never done business with this company. All disputes come back reported as valid. So, I called and sent a couple of letters requesting proof of debt and if in collections when and how record was obtained. I was ignored throughout XXXX. In the third week of XX/XX/XXXX, I sent a certified letter for verification of debt, proof of debt purchase, proof of business or account letters to " Lithia/Driveway Finance ''. I received no response. So, in last week of XXXX and 30 days after verification of certified mail received, I contacted " Lithia/Driveway Finance '' by phone. After many transfers and excessive rudeness, I lastly spoke with accounts manager " XXXX ''. He explained to me that the letters were received and that they were listed in his system as " frivolous ''. Not only did the receive department list as this, but that I was not going to receive a response. I ask again for proof of any document with them for a debt & they refuse to provide. I asked about my original finance company & was told they no longer in existence. I've tried for 2 years to get this debt removed or verified. My attempts have failed. I am spoken to like an XXXX. Please help.
Consumer complaint received 2022-03-26
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account XXXX  # 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
Consumer complaint received 2022-09-02
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: Bread Financial Holdings, Inc. (AR)

I just saw that I had a Hard inquiry on my credit report ; which I had no idea what that even was. I XXXX the company it has listed which is COMENITYCAPITAL/XXXX on XXXX, 2022. I had to XXXX what that was & what it meant. It means that this company pulled my credit report without authorization!?! Or someone has applied for a XXXX XXXX XXXX with Comenity Capital Bank. 
Which I have NEVER EVEN HEARD OF. Now what do I do to get this off & dispute it..? This is so very frustrating. 
So I called the number they gave me online & they answered the phone as a different name of a different company ; so I called same telephone number back & they answered the phone as ANOTHER DIFFERENT name of a DIFFERENT company! & when I called him out on it ( because I could tell it was the same voice- which was foreign. ) He actually hung up on me..!! & Im just not sure who to trust giving out any of my information to be able to confirm my identity.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Someone opened an account in my name ( stole identity ) and opened account with Bank of America. 
This was on or about XX/XX/22. 
I contacted Bank of America fraud protection soon after. 
They filed a fraud report and sent me an affidavit electronically. I filled and returned it within 2 days via us mail. 
I continue to receive account statements over one month later. 
The statements show someone named XXXX XXXX took one dollar out. on XX/XX/22. 
They show 2 XXXX transfers in both on XX/XX/22. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
I'm waiting for the process to complete but I continue to get emails and bank statements from Bank of America. I sent in the required affidavits 2-3 weeks ago ( XX/XX/XXXX ) but they continue to say they have not received saying that 'the mail may be slow ' etc...
Consumer complaint received 2022-09-18
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: Resurgent Capital Services L.P. (TN)

XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.
Consumer complaint received 2022-12-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$410.00}
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NJ)

To whom it may concern : In response to your previous message, I know you are a third-party company, but I need help understanding why a third-party company is trying to collect what I don't owe them. You don't have my address because I've never received any alleged documents. My email being on records doesn't prove anything, I'm not going to explain anything about this to you, but I thank you for the attached documents. You are incorrect, and so is XXXX. The alleged phone bill is undoctored, right? How is the phone bill less than what source receivables are trying to collect if it's the total bill? These documents prove that XXXX  charged me for a phone they claimed to have given me for free on a promotion they were having, so thank you for that. I had devices paid off on this account, and XXXX  was still collecting for them. The dates don't match up with when the devices were purchased. I will file a complaint with the XXXX  and the attorney general office about this issue. I've already complained to the FTC. Also, I still need proof of my signature on a document.
Consumer complaint received 2022-09-18
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. (OH)

XXXX XXXX and XXXX XXXX i sent letters to these 3 credit bureaus requesting them to stop reporting inaccurate information about me on my credit profile after i recieved my credit report. I got a response of the information came back verified. I wrote asking them to provide them method and sources used to verify in the inaccuracies about me no response. These items are in collections which is sold debt and/or charged off which is cancelled debt and filed on the business taxes. Since the debt is cancelled it shouldn't be reporting as past due with a balance. I have no written contract or consent with these collection agencies. This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and are required to remove any information that isnt true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (NJ)

I am attempting to refinance my mortgage ; however, my current mortgage servicer, Planet Home Landing, reported that I was delinquent with a late payment in XX/XX/2021, but that payment was in fact made and drafted from my bank. I have the bank statement referencing that the payment was made. Because of this alleged " late payment '', I am unable to qualify for any refinancing options and it is affecting my credit standing. I am experiencing severe financial hardship and every attempt I make to refinance the mortgage is not successful because of this.
Consumer complaint received 2022-03-10
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. (AR)

I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.