davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc. (OH)

I am writing to formally request your assistance in addressing a serious violation of my consumer rights by MG Credit. On XX/XX/year>, I formally disputed a collection account reported by MG Credit. Despite this dispute, MG Credit has continued to contact me via emails and phone calls, demanding payment for the alleged debt. 

This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692c - Communication in connection with debt collection, which prohibits debt collectors from communicating with consumers regarding disputed debts without verifying the debt and ceasing collection activity during the dispute resolution process. Additionally, their actions contravene 15 U.S. Code 1692e - False or misleading representations, as continued attempts to collect on a disputed debt can be deemed as deceptive and unlawful. 

I have repeatedly informed MG Credit that this debt is under dispute, yet they persist in their collection efforts. This harassment has caused undue stress and demonstrates a blatant disregard for federal consumer protection laws. 

I respectfully request that the CFPB intervene in this matter by : 1.Investigating MG Credit for their violations of the FDCPA. 
2.Mandating the immediate removal of this collection account from my credit report.
Consumer complaint received 2022-06-29
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: EQUIFAX, INC. (SC)

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXXXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXL Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX XXXX XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile.
Consumer complaint received 2022-02-11
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. (SC)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ACQ Holdings, LLC. (MO)

I took out a payday loan in XXXX of 2016. I made months of payments. When I asked, after many, many, many payments, what my payoff amount was, I learned that not XXXX cent of the hundreds of dollars I had paid back, for a {$600.00} loan, had not been applied to the principle. Not XXXX cent! I quit paying out of frustration at getting no explanation. We are currently in litigation. I find, in court, that most of the court cases are for EasyCashASAP. So, I am not the only person. I simply would like for their practices to be investigated. Thank you. Also, I do NOT want a response from them!! Therefore I will not be passing along my loan number. Just please check them out!
Consumer complaint received 2021-08-18
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: EQUIFAX, INC. (GA)

I have a hard inquires and a chapter XXXX bankruptcy on my credit report that i did authorize. this is a violation of my privacy under the FCRA and FDCPA and has caused me stress due the denial of credit need for personal and household purposes.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (FL)

One main is incorrectly reporting my payment history on all 3 credit bureaus for the month of XXXX XXXX 

One main reported my account as paid as agreed on all 3 credit bureaus until XXXX XXXX XXXX 

On XXXX XXXX XXXX, One Main updated my payment history with all 3 credit bureaus as late for XXXX XXXX 

My XXXX XXXX payment was due on XXXX XXXX  and payment was made on XXXX XXXX XXXX XXXXhich was late but not 30 days late as reported on my credit report. 

I also was approved for a deferred payment for XXXX and XXXX of XXXX and was told by the local agent that approved the deferred payments that I would not be reported late on credit reports. 

Only XX/XX/XXXX, I disputed a previous late payment from XX/XX/XXXX with the credit bureaus and one main via written notice asking for a goodwill forgiveness for the late payment from XXXX. 

I believe One Main is retaliating against me for challenging /requesting a goodwill forgiveness for the XXXX XXXX  late payment and updated my credit report as late. 

Please assist with getting One Main to report my payment history accurately for XXXX XXXX  or delete this inaccurate reporting account from my credit report. 

I have tried on multiple occasions to get One Main to help with this issue and even spoke with the executive office to assist with no resolution provided as of today. 

I also have copies of my XXXX, XXXX and XX/XX/XXXX credit reports which can corroborate my informational s show that One Main reported my account as paid as agreed until XXXX XXXX XXXX
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Fraudulent account identity theft XXXX XXXX XXXX Amount XXXX Opened XX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date openXX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my XXXX  XXXX and Experian credit reports about a month ago and now that XXXX XXXX XXXX had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report
Consumer complaint received 2022-05-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a XXXX time forgiveness of the late payment. ( Basically I had to qualify for the XXXX time forgiveness ) So now in reviewing my credit report from the last update XXXX gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it XXXX says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT. 

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (TX)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (GA)

This a notice of intent regarding the continued reporting of a debt owed to XXXX not to Eastern for ONE account NOT 2 as Eastern Account Services continues to report. In fact, XXXX shows not debt having been owed to them whatsoever with no record of me as a customer and have repeatedly attempted to sign me up for service. 
In the cases of XXXX XXXX and XXXX XXXX and untold more, Eastern Account Systems continued to illegally report my accounts while in dispute with XXXX, XXXX and XXXX, which is a clear violation of the FDCPA punishable by fines and penalties. In the 2 cases I just referenced both cases found Eastern Account Systems guilty of violating the rights of the consumers and were fined as well as all costs paid to the plaintiffs. I would like for the CFPB to note my case in any future litigation and or class action lawsuits against Eastern Account Systems and for them to be forewarned that I intend on filing a lawsuit against them to include any fines, penalties and court costs allowed by law in addition to financial harm and damages due to my lower credit score and any lost opportunities that Eastern has directly caused me in their continuous and intentional reporting of 2 accounts instead of 1. they have blatantly and intentionally changed account names, statuses, dates and amounts over the course of 3 years with every credit bureau and I have records to prove. Since law is set by precedent I am confident that with my numerous records and history I will prevail in court. Eastern Account Systems should reevaluate their business model because all of these legal cases are costly and bad for business. Since they have cost me exceptional financial damages I want this to be record of another consumer who is going to exercise their rights under the law so that other consumers are not victimized by this company who cares only about the challenges of extorting money rather than the people behind their accounts.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Macys did not follow my address forwarding request with the post office. Every other creditor did. Thus, I never received the Macys XX/XX/2022 bill. Macys marked my credit report 30 days late for XX/XX/2022. Because I never received the {$29.00} Macys bill, I did not know I owed any money. However, I received my other 75 monthly bills for my XXXX small businesses and all my personal bills at the new address. It was no problem for all my other creditors to send a bill to my new address. Macys never sent me a bill. Macys never called me. After learning of this credit mark at my abruptly stopped XXXXXXXX XXXX XXXX XXXX closing, I paid the small due amount and closed the Macys card forever. I still havent been able to close on my mortgage because of this. 

Next, I Contacted the President of Macys, XXXX XXXX who responded to me, but did not correct the problem. He asked his assistant to contact me, XXXX XXXX, but she never returned any of my 10 communications of combined emails and voicemails. Additionally, she just decided left the 30 day late on my credit report.
Consumer complaint received 2022-07-11
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. (MI)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 an account without my written instruction.
Consumer complaint received 2021-09-17
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: WELLS FARGO & COMPANY (WI)

My credit score dipped 39 points in XXXX. I now see remarks on all my files from WF just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the 600s! I was in the 700s 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told WF that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because WF did not report me correctly. This should show PAID as HUD paid those two months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

As of today, Monday XX/XX/XXXX, I have a double charge of {$75.00} against my Regions Bank debit card from XXXX. I called XXXX about the transactions and they informed that there was only one charge of {$75.00}, not two. They told me to contact Regions about the double charge. I went to Regions Bank, XXXX XXXX XXXX XXXX XXXX, TX XXXX. The lobby was closed and this was during normal business hours. I went to the drive in window and asked to speak to the manager. She came and informed me that the charge was pending and that there was nothing she could do until the charge cleared. In other words {$150.00} is tied up for a {$75.00} sale, until the bank clears the charge. I find this totally unfair, that Regions is tying up {$75.00} of my money. Also, I find the manager very unhelpful, because all she kept saying was that as long as the charge is pending there was nothing she could do. She acted like a robot in her answers. She was pretty cold to the fact that there was a double charge. I find her behavior and the bank 's policies to be not very customer friendly. Can something be done about this policy? Thank you in advance for your help.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I just closed my account with Cabela's/Capital One. When I made my final balance payment on XX/XX/XXXX. Cap One did not disclose to me that the " Balance Remaining '' was not the payoff on the credit card. I made a payment of {$1400.00} on XX/XX/XXXX. This was the remaining balance. To my surprise today XX/XX/XXXX ( 14 days later ) I receive an email from Cap One that I now have a balance of {$10.00} of interest. I reached out to Capital One and they informed me that I did not request a payoff which would have reflected additional interest that would have needed to be paid. I have never paid off a credit card in full with any other creditor that has ever pulled this deceptive tactic. When I payoff my remaining balance on every other credit card there has never been a " hidden '' interest charge. After I paid the remaining balance I closed the Cap One Account. I will never do business with a company that is deceptive in their processes to make more money off of hard working consumers. When you make a " remaining balance '' payment on a credit card the company should inform you of a remaining balance and a " paid in full '' balance. It's not about the {$10.00}. Its about the deceptive act on Cap One 's part. I will never work with Cap One again.