davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

Hello... The 'date of delinquency ' is not being honestly accurately submitted. Southwest Credit has submitted that the 'date of delinquency ' was XX/XX/XXXX ... yet that is wrong. It may be true that a prior collections agency had been assigned before the agency of Southwest Credit, however, that does not give them permission to alter dishonestly the dates. In fact the date of delinquency was in the year XXXX ( when I had been living in XXXX, XXXX ). 
Therefore I demand as my consumer rights the following : 1. I demand historical documentation of any and all prior assigned collection agencies.

2. I demand the date of delinquency on a XXXX XXXX XXXX letterhead meaning the first charge off notice.

3. If the agency of Southwest Credit does not reply faithfully and honestly, I demand that the CFPB delete this reportable account from my credit file right away. 
Respectfully and sincerely, XXXX XXXX. 
( XXXX ) XXXX.
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

In response to the company response regarding complaint number XXXX, theyll receive notice via certified mail regarding the fraud in which theyve chosen to uphold at Advance America . Theres no such thing as XXXX XXXX XXXX XXXX which is necromancy, therefore they failed to state whether or not they are referring to a person or Natural Living Man. Theyve also refused to answer the question as to what language are they speaking in because they are aware that they are committing fraud by converting Men and Women into Corporate Legal Fictions. 

Theyve also refused to admit that its against the law to deny Man or Woman their own credit, therefore when employees of Advance America denies Man or Woman their credits, Advance America is stealing and extorting that Man or Woman of their life, liberty, enjoyment and pursuit of happiness to provide for themselves. Advance America conspires with other financial institutions such as consumer reporting agencies for financial gain which is a conflict of interest.

Advance America must answer the following questions : is Advance America the member of the XXXX XXXX XXXX Is Advance America ran, operated by Bar Members? Is Advance America the financial instrument which is in fact the instrument of the bar association via XXXX XXXX XXXX 

I look forward to receiving these responses post haste.
Consumer complaint received 2022-01-02
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: FISERV INC. (TX)

Telecheck is reporting wrong and inaccurate information about me to companies such as XXXX causing me to be denied services that I should otherwise be able to use. I have been a victim of massive identity theft and have spent years trying to resolve it unsuccessfully and I've requested reports from them who have made it near impossible to dispute erroneous and falsified information that has caused me harm.
Consumer complaint received 2022-01-01
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. (NY)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (WI)

MIDLAND CREDIT MANAGEMEN XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Account : XXXX RE : Debt Validation Request I am writing to you in response to a collection notice I received from you on ( date letter received ). 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in WI along with your license numbers and Registered Agent or Agent of Service. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

I have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXX 's XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX  several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX  and XXXX  have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX  credit file was too large and split and XXXX  hasn't been able to compile my file properly to retain accurate information.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I, the consumer am aware and have proof that BANK OF AMERICA has and continues to violate my consumer rights. I have observed at least 9 violations pursuant 15 USC 1693f. BANK OF AMERICA received a Cease and Desist in reference to this matter XX/XX/2021. They have failed to provide results of the investigation and its findings used to determine actions of withholding the consumers funds in a reported electronic transfer error since XX/XX/2021 ; notice of the right to request reproductions ; mail to the consumer reproductions of all documents which the financial institution relied on to conclude that such error did not occur ; or returning the funds as directed by the consumer. BOA has and continues to violate consumer pursuant to 15 USC 1693 f. As a result to their gross, negligent and willful behavior, I have been injured numerous times.
Consumer complaint received 2022-01-01
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. (UT)

I believe I have been a Victim of Identity Theft. There has been XXXX or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.
Consumer complaint received 2022-01-01
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. (UT)

I believe I have been a Victim of Identity Theft. There has been one or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-01-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (CA)

On XX/XX/2021, I visited the website belonging to NCBI Management Services Incorporated, a debt collection service, in hopes that I could create a user account, view my account balance, and plan a course forward. 

I was able to successfully register with their portal and view my account balance, which at the time was {$3800.00}. When I clicked on payment plans so see their suggested payment schedule, a banner appeared toward the top of the window, saying that I have " offers available '' and suggesting I use their payment wizard. I clicked and was taken to my offers. 

The only offer presented to me was a SETTLEMENT payment of {$760.00}. They gave me numerous time-frames in which to pay the {$760.00} ( a little up front with weekly payments thereafter, steady bi-weekly payments, etc ), but in every case the bottom line was the same - pay {$760.00} and the account would be settled and the collection closed. 

I thought the offer was reasonable and wanting to make some progress on financial matters before the XXXX XXXX, I decided to pay the {$760.00} in a lump sum as offered by their wizard on the " my offers '' section. 

I added my bank account, read the terms, which stated clearly that this was a settlement offer and that it wouldn't show as fully paid on my credit report, and checked the box to accept. I checked the box that acknowledged that any " savings '' I made in the difference between the " original balance '' and the " settlement '' amount were taxable and would be reported to the IRS. I accepted all that and paid the amount in full, thus settling the account and closing the collection. 

The problem I now face came about when NCB didn't report my SETTLEMENT payment as a settlement payment, but rather as just payment against the total original balance. My online account now shows I owe over {$3000.00} instead of the original {$3800.00}, when it should, per our agreement and THEIR terms, be reflected as settled. 

Thank you.
Consumer complaint received 2022-01-01
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. (GA)

My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.
Consumer complaint received 2022-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Happy XXXX XXXX. I own a rental property in XXXX XXXX that suffered considerable water damage and received a {$10000.00} check for repairs from my insurance company. It was assigned to me and my mortgage company, New Rez. It had to be endorsed byNew Rez. They received the check ( which was endorsed ) on XXXX. I phoned New Rez to find outwhat theprocedure was. They sent me a form letter stating funds over {$40000.00} are held in an escrow account, under {$40000.00}, the check was sent to the owner. New Rez referred me to XXXX XXXX XXXX at Shellpoint Mortgage Servicing. I called on XXXX, XXXX, XXXX, XXXX, and left messages, no reply. I finally talked to XXXX XXXX who assured me that I would get all the information I needed. Never heard from her again, ever. 
I emailed XXXX XXXX at that office XXXX, XXXX, XXXX. No response. I finally got a hold of another assessor by the name of XXXX XXXX, on XXXX, who told me that the cheque was deposited to their account in my name., but wasn't released because they did not have a copy of the field adjusters report. They never asked for one, either from me or the insurance company. I sent them the report that day, and it was acknowledged. Never Heard from anyone again
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (TX)

Discover bank caused me to have a nosebleed at work today. Let me explain, it all started last night I was going to set up an account @ their Bank. But the only person I was ever able to speak to you with this same one mindless corporate drone. Absolutely insistent certain things just had to be done online. She caused me to have a XXXX she stressed me out so much. I havent been having very many XXXX since I moved I have an abusive situation with my parents. Theyve actually become quite rare, In a negative sort of way this is sort of impressive. And because I had one XXXX last night ; And if having another one at work in the course of trying to do my job. Had to interrupt work on the clock to take care of it & ruined a kn95 mask
Consumer complaint received 2022-01-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Submitted to XXXX copies of fraud complaints filed in XXXXXXXX XXXX Florida with Police and Civil action against fraudster. Submitted copies of Identity Theft, XXXX fails consistently to review attachments to correct account to zero balance. Attorney XXXX and XXXX supplied zero balance letter on the behalf of Capital One and previously sent to XXXX and on XX/XX/2021 dropped my credit score to XXXX stating balance still owed. 

Capital One balance is at zero and XXXX refuses to update current status. I have submitted 3 investigations and fail each time due diligence and report inaccurate information.
Consumer complaint received 2022-01-01
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Estoppel of Silence If a creditor or collection agency fails to answer your validation letter you should send an Estoppel of Silence Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Capital One, This CFPB letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Followed AMEX directives and tried to resolve goods not received instances with the company in question. I've had a subscription with them for years but they stopped sending in XXXX of this year. I've been trying to resolve since XXXX but tried to give them time to resolve the issues when they just stopped responding to me. Then contacted AMEX as a last resort believing that they help and cover their customers ( and have seen them do so in the past, for example, refunding a co-worker of mine for accidentally booking travel insurance and other charges for an entire YEAR ). Apparently, they only do that for certain customers because I was told that I should have disputed immediately - that my charges were too old and that they could only dispute 60 days worth. I mean - WHAT???? They literally just allowed me to be scammed by telling me when I first tried to open a dispute to resolve it with the company. THEN, when I do that, suddenly my charges are too old to dispute through them. No one told me that, they literally created the situation by telling me to resolve it with the company first. I didn't even have any reason to think the company would do this since I have been receiving a subscription from them since 2014. Zero customer service, zero reliability, AND AMEX scammed me by stating that you need to resolve with the company when you try to open a dispute on your account. NO WHERE does it say there is a time limit for opening this dispute, just that you need to go resolve it with them first. That is the scam!