davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (VA)

In XX/XX/XXXX after numerous calls, I agreed to make monthly payments to midland credit management even though I told them I couldn't afford it, but I was afraid they would have tried to sue me for my stimulus check that was on its way during that time, and it also didn't help that their letter was threatening legal action against me if I didn't respond. So, I agreed to XXXX dollars a month for each account the XXXX and XXXX midland bought this account from XXXX  XXXX as collateral. I tried paying those payments but I couldn't, so I stopped. As a result of not being able to pay ; midland is now XXXX  the credit report system by reporting each account twice a month. The first report was on XX/XX/XXXX, and the second was on XX/XX/XXXX, XXXX midland tactics are abusive. my credit score went down 4 points as a result of their XXXX I currently owe the dept of education XXXX how in the world would midland think I could afford to pay them. please help.
Consumer complaint received 2022-04-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (NY)

I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with ( XXXX XXXXXXXX XXXX ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022, I have not received any documentary evidence such as a trilateral contract giving ( XXXX  XXXX XXXX ) any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX  XXXX XXXX ) before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If ( XXXX  XXXX XXXX ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until ( XXXX  XXXX XXXX ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX XXXX XXXX ) continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-11-29
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation (AZ)

I truly believe this event does not reflect my credit worthiness. I have always paid my payments on time. Nor do I believe this event reflects your companys values. 
XX/XX/2022 I received a change of service notification.it was 2 months late in me receiving the letter. Homepoint did not show my payment for XXXX till XXXX therefore showing a late payment.this was due on their end.they changed loan numbers. The letter with this information did not come to me till XXXX. The letter was mangled and has been delivered to a wrong address. I have tired to have this one negative removed. I have always paid each month. The Homepoint representative XXXX had her mind made up. She just going on and on about the post officeAlso she kept saying she was just following what the credit bureaus require.well, they are not requiring anything from Homepoint but information that Homepoint supplies to them.. 
XXXX I feel was not neutral in her quest, that her tone represented that You already have copies of the letter..
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (CA)

It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor XXXX XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Consumer complaint received 2022-12-07
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. (HI)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-07
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: Resurgent Capital Services L.P. (SC)

In accordance with the fair credit reporting act XXXX account number XXXX has violating my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open-end in your consumer Credit plan as late for any purpose.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made XXXX  attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them in XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received in XXXX. 
I have given well over XXXX XXXX for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (CA)

It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with XXXX delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Consumer complaint received 2022-10-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (MS)

I have been getting mail about a medical debt that is to be honest. XXXX. It says as of XX/XX/XXXX I owed XXXX dollars.. when I went to XXXX XXXX that day I was not helped AT ALL. They brought me to a room where I sat in a bed for XXXX to XXXX hours while everyone in there ignored me. Not a single person came into the room to help me. After a while a man came into the room and told us to leave. I don't know why we owe XXXX dollars when we did not receive any help that day. At all. And would appreciate it if I would stop getting bills for something that is complete XXXX. I was not looked at by anyone that day. And sat in a room BY MYSELF and then told to leave after I had been there for a while. My husband was with me and can vouche that I did not receive a single bit of help.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

Repeated calls almost at every hour. I've blocked the number but they still call using a different number ; I'm still able to see on my caller id that it's Midland Credit. On XX/XX/ at XXXX I said to the individual calling to put my number on their XXXX XXXX They called again today XXXX  at XXXX. I did not answer. But having calls from them at every hour feels like I'm being bullied, harassed.
Consumer complaint received 2022-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/2022, I spoke with a loan representative of Truist Bank about a home equity loan or a personal loan. She recommended that I fill out an application online at their affiliated company, " XXXX '', for comparable interest rates, easier qualification, and swift approval. on her recommendation, I did so. 

They advertise their rates " starting at '' 3.99 %, though I completely expected a higher rate than that. 

After inputting basic information about loan purpose ( home improvement ) amount requested ( {$25000.00} ) and payment term ( 180 months ), the website showed an interest rate of 6.49 % " with excellent credit ''. A small disclaimer noted " Exact rate within the range is determined by credit profile ''. 

I proceeded with the application. I had pulled my XXXX credit reports and they were all between XXXX and XXXX, a credit score that is considered " excellent '' or " perfect ''. I also accurately estimated my income at {$50000.00}, my home equity at $ XXXX, and my liquid cash on hand at $ XXXX. I know that the credit reports will reflect a consumer credit card balance of under {$2000.00} and no other debt whatsoever. Literally decades of not one single negative credit experience. It is hard to imagine a more " excellent credit profile '' than mine. 

Yet, my " loan offer '' came back to me today ( XX/XX/2022 ) at 7.99 % APR. Given my credit profile, is completely ridiculous for my rate to come in at a full point and a half above what they advertise as the rate for " excellent credit ''. Maybe a quarter-point, to give them the benefit of the doubt. 

Their underwriting algorithm is a black box ; they have no phone number to call to discuss their underwriting, and their email " support '' is a joke... i received a boilerplate " we are sorry for the inconvenience '' reply. 

I realize that the rate offered to me, in the current lending climate and overall scheme of things, is much better than the ridiculous rates charged by predatory payday lenders and such. However, it is still a consumer rip-off. 

This strongly smells of deceptive trade practices, bait-and-switch, and false advertising. I don't actually " need '' a loan so I have a choice to decline it, which I may do. But they prey on people who do need the funds and are lulled into accepting a rate that is substantially above what they are lead to believe it will be. I suppose that the law is weak and they may be able to get away with it, but that doesn't make it right. 

Their correspondence is boilerplate and non-responsive ( see attachments ).
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX had deleted this account of my Credit report 3 times, 2 times with CFPB help, so after deleting it again 2 months ago a collection Company by the name of Portfolio recovery Purchased a Dead Account that did not belong to me. XXXX XXXX XXXX  deleted it because once again they say it was fraud. why do they keep putting this account for sale. for {$500.00} they are trying to get out of me also i lost 15 points instantly on my credit report. I want this corrected and removed.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (NC)

Experian XXXX XXXX used and sent out my Records without my consent, I have multiple hard and soft inquiries that I did not approve on my account. 
No action was taken on my side because I hold no authority but you guys do.

I Have Hospital debt that goes through the roof and all I did was sit in the lobby. 15 US Code 1681 B- a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

MCM ( Midland Credit Management ) gave my personal information to someone else without using any type of verification rules and regulations of the CFPB or the FDCA. This information was leaked on XX/XX/2022. Given total amount of unsecured credit card debt of {$1700.00} to be collected as well as the last payment of XXXX dollars including the balance at that time of {$1600.00}. This information was given without my consent. The company also informed this person that if the Credit Card Debt was not paid in full or arrangements made they would move forward taking legal actions against me for the full amount owed. My family is now getting harassing phone calls from this company. My grandmother was called.
Consumer complaint received 2022-05-01
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. (NV)

In accordance with the Fair Credit Reporting act. The List of account ( XXXX ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-10-11
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. (IL)

Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX 2008 XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX