davidheineman/consumer-finance-complaints-large huggingface dataset:
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: ENCORE CAPITAL GROUP INC. (MS)

I've contacted the credit bureaus XXXX XXXX XXXX XXXX ) as well as the collection agency ( Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) and they are still reporting these inaccurate accounts on my credit report under the name XXXX XXXX XXXX. This is NOT my name and these companies continue to illegally re-age these accounts on my credit report. They also close the account and turn around and reopen the account. They also decrease the balance on the account by {$1.00} then turn around and increase the balance on the account by {$1.00}. The is against the law. 

According to the FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. 

Midland Credit Management services are repeatedly re-aging these accounts on my credit report. They are intentionally disregarding the FCRA 623 ( a ) ( 5 ) ( A ) law.

Also, according to 15 U.S.C 1681 law there should not be any damages on my credit report. This is defamation of character. Due to this, I am requesting {$1000.00} per month Midland Credit Management has damaged my credit profile with this inaccurate information. This has been reporting inaccurately on my credit report since XX/XX/2021. I am willing to settle this for {$15000.00}. I expect this to be resolved in 10 days of this complaint.
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

I'm requesting a debt validation request from Midland credit Management. They've attempted to sue me via the courts ; however,, this debt charged off in XXXX, they have not provided any documentation of ownership of this debt.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2020-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (IL)

I dont book through hotels directly so when I was told this morning after transferring XXXX into my bbva account # XXXX that XXXX place took XXXX I knew it was a lie. The bank stole XXXX from the transfer and then claimed it was stolen by XXXX place. 
I tried to file a fraud dispute and they hung up on me 3 times.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Kept getting cards in mail and bills statements saying I had XXXX credit limit and for months someone was paying it I guess I have XXXX XXXX  issues and got put away in XXXX XXXX XXXX XXXX XXXX  I get out year and months later and check my XXXX XXXX and says I owe {$6000.00} for all these months of missing payments I called reported they been stealing my mail kept getting cards sent and that I had no knowledge of activity I live in a bad neighborhood were mail kept getting stolen by my neighbor now it got charged off and ruined my credit score let alone my life XXXX XXXXXXXX XXXX XXXX XXXX issues that hasn't worked in over a decade due to XXXX XXXX  issues
Consumer complaint received 2024-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

Our mortgage was sold to Newrez by XXXX XXXX, Newrez started servicing the loan in late XXXX XXXX XXXX My wife and I send separate checks each month for the loan payment, and my wife 's check was processed by Newrez on XXXX ( {$800.00} ). My check for the other portion of the payment was processed on XXXX ( {$1300.00} ). The XXXX checks together covered the monthly payment at the time of {$2100.00}. My wife 's check for {$800.00} was inexplicably applied directly to principal and they showed us as late for XXXX. Her check for XXXX was handled the same, and they showed us late for XXXX. Starting in early XXXX I began calling Newrez customer service to get the issue straightened, once we realized there was an issue. Since we always make our loan payments, and Newrez kept cashing the checks, we were completely confused. The first customer service agent I talked to in XXXX saw the issue with the payments being applied to principal and she said she would get it taken care of. That never happened, and I could no longer get a check to them for some reason through my bank as I had usually done with every other mortgage lender for over a decade prior, so I had to start calling them each month to make my payment. Each time I call I'm told we are more than one payment behind, which simply isn't true based on our bank records and Newrez 's own records, they just keep applying part of our payment to principal each month. My wife and I stay current on our bills and are making all attempts to correct this by working with Newrez but we feel we've run out of options. Newrez is still saying we are behind on payments even though they've happily taken payment in full month after month. Outside of contacting your office and/or a personal lawyer I'm not sure how to get this resolved without refinancing or something, but that doesn't really make financial sense right now. We have taxes and insurance included in our monthly payment, so their accounting errors are affecting our escrow as well. The late payment claims for XXXX XXXX and XXXX XXXX have also shown up on our credit reports. All of this is very frustrating and unnecessary. This month both my wife and I sent checks together in the same envelope, hoping they will at least apply both checks toward our payment. Can your office please provide us with any sort of help with this matter? We are eager to resolve this and move on. Thank you so much for any assistance you can provide. 

*As of XX/XX/XXXX they processed my part of the XXXX payment but told me over the phone today that my wife 's check was not received ( same envelope ). According to bank records her check was cashed by Newrez on XXXX but was never applied to our account though mine was.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I can not use my checking account and every time I call customer service they say my account is handled by a different department. For the last 4 monthes I am not able to reach that department and that department does not communicate with me so I can understand why I hve limited access to my account.
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (NY)

my identity was stolen someone open an account in my name it was sent to collections. absolute resolution has been assign to collect the debt.this company has been harassing me nonstop with calls and threats and notified them that this account was open fraudulently and. sent them the police report.they are reporting this on my XXXX, XXXX, XXXX.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE SHOWING LATE PAYMENT HISTORY. THE ACCOUNTS LISTED BELOW UNDER, ACCOUNTS TO AMEND, WERE NEVER LATE.
Consumer complaint received 2024-10-25
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Amsher Collection Services, Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX  XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2022-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

I extended credit to Discover financial services for the amount of {$200.00}. After the account became XXXX the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney GeneraXXXX XXXX and the FTC.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Receivables Solutions (TN)

I was sent to collections by XXXX XXXX XXXX XXXX in XXXX TN for an outstanding balance of {$140.00} that I was unaware of. As soon as I was made aware of the debt I paid the full amount online in XXXX of 2022. I spoke with an employee of Accelerated Receivables Solutions on XX/XX/XXXX and explained this. I asked for verification of the debt and provided them with the reciept of payment via email. As of XX/XX/2022 I am still receiving calls, messages, and texts from ARS attempting to collect a bill already paid.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-18
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. (AZ)

I have complained a thousand times, yet you used old complaint to close new complaint, I was identity thefted yet no one will do thier there should be no inquiring on my reports and the accounts I've been disputing in never fixed or investigated. I am now reporting that Transunion, XXXX, XXXX and CFPB have all committed fraud that report is going to FTC, IC3 and department of Justice, you all are fraudulent lying about investigations, using old results for new complaints. Do what you will but I won't stop till I'm Paid very well or you all loose bussiness license.
Consumer complaint received 2021-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX I had been paying on my XXXX XXXX Synchrony Bank ) XXXX XXXX account on time every month and I was noticing that my balance wasnt really going down. I did a deeper dive and I saw that XXXX had been charging me a monthly Card Security Fee that I did not authorize. 

I called and I spoke with the customer service representative and told her that I wanted a full refund of the Card Security fee that I had unknowingly been paying. I also told her that I wanted to cancel the Card Security Fee service. I told her that I did not recall signing a Card Security agreement. She said that it was over the phone. I asked if there was a recording or signature and she told me no and proceeded to talk about some sort of policy. She said that I agreed to it back in XXXX, in which I do not recall. 

I asked the representative how much Ive paid since enrolling in XXXX. She responded by saying Whats on my screen, is the past 12 months. I asked for the total payment past 12 months. She responded with the same thing. I asked if she was capable of looking at the total amount paid beyond the past 12 months and she said No. 

I as a customer should be given an honest answer when asking how much money Ive been paying on my account. I didnt know that companies could withhold information on what has been paid to them by the account holder. 

The representative offered me a Card Security Fee refund for the last 6 months payments. I declined and told her that I wanted the full amount of what I paid in which she refused to tell me. 

The representative then offered me a Card Security Fee refund for the last 12 months payments. I declined and told her that I wanted the full amount and if I cant get the full amount, I wanted to escalate it. 

I asked to speak to a manager and the representative put me on a hold. Long story short, conveniently, the manger wasnt available and she stated that the manager would give me a call within XXXX business day. She then said another employee would contact me in 3-5 business days. 

She proceeded to wrap up saying that she processed the Card Security refund for the amount of the last 12 months. I told her that I didnt authorize the refund because it wasnt the full amount as requested. She then told me it was too late and in order to escalate it to management that she had to process the refund and couldnt cancel it. I told her that I didnt want this processed and I wanted to escalate it once more. She said that I would have to talk to another employee once they called me. The XXXX representative was trying to hurry up and process the transaction to say that she gave me what I asked for. 

The next week, I didnt receive any phone correspondence from XXXX nor was my request/complaint acknowledged or attempted to be resolved. XXXX sent me a letter dated XX/XX/XXXX and said that they refunded me ( {$540.00} ). I looked at my account and it was credited ( {$540.00} ), which I didnt authorize. My request was for a full refund.
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 — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX