davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Midland Credit Management.

This collection agency is slandering my credit by placing false information onto my credit files. 

I had complained in XXXX about the untrue information that this collection agency is reporting, and they had stated that they were going to remove it, but they have not. 

And to begin with, this collection agency had placed this derogatory debt information onto my credit files without first verifying it. 


I dont owe the balances that are being reported, neither have I had anything to do with either, XXXX XXXX , nor XXXX XXXX since XXXX of XXXX. 

Midland Credit Management is reporting false, untruthful status, and date information regarding these accounts onto my credit files. 

Midland Credit Management is placing false information onto my credit files for, XXXX XXXX  account number # XXXX, for {$320.00}. 

And XXXX XXXX XXXX, account number # XXXX, for {$1200.00}.
Consumer complaint received 2022-02-17
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
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: CNG FINANCIAL CORPORATION (AZ)

I opened an XXXX dispute for my XXXXCNG account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with XXXX for over 75 days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a XXXX balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.
Consumer complaint received 2022-02-17
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: GOLDMAN SACHS BANK USA (IL)

There are two items on my Apple Credit Card that I do not seem to be able to get Goldman Sachs to resolve. I understand they are extremely new to consumer credit cards, but it is nearly impossible to get any documentation out of them and to keep track of anything going on with the investigations. I am uncertain if they ever look at the supporting documentation provided via email. The transactions I am having issues with are {$560.00} from XXXX on XX/XX/2021 and {$290.00} from XXXX on XXXX/XXXX/2021. I have brought these to XXXX 's attention several times but have been unable to workout a proper resolution for either. I have never received the purchase from XXXX to this day and have been unable to resolve the issue with the company ( it is an independent seller within XXXX platform that sold me shoes but never delivered ), and XXXX  delivered another item in place of what I actually ordered in XXXX and I've been unable to resolve the issue either with Goldman or XXXX. For above reasons, I'm looking to dispute both transactions and have {$860.00} credited to my Apple Credit Card.
Consumer complaint received 2022-08-08
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. (NC)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ;
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Collections, Inc. (MO)

I don't owe anything to EXPRESS COLL ( Original Creditor : XXXX SMART SALES LEASE ) with account number XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Thus this account is duplicated and it is displaying on my account multiple times. Please investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Hello- I have multiple business bank accounts with Chase. I opened up a new account for a property refinance. The account was opened last week and I was sent a wire for {$350000.00} on Tuesday. The wire has not hit my account and Chase 's wire department has frozen the funds. When I call Chase they send me around every department telling me the wire department doesn't have a phone number and they can't get any answers from them. My money is now frozen arbitrarily without any access to it. 

The worst part is this is now the second time this has happened at Chase. It was the same exact circumstances the first time around where I opened an account for a refinance. It took 2 weeks for the issue to be cleared up and they promised it would never happen again. Unfortunately I believed them and tried this a second time.
Consumer complaint received 2021-12-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

They are telling me that my account is not eligible for XXXX XXXX because I have 2 additional accounts open. They say my account is connected to : XXXX XXXX I have no idea who these people are and I don't have access to these email addresses at all. 

This is VERY scary. Their information is NOT secure, or they have been hacked. This needs to be investigated immediately.
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX I sent a dispute to Experian requesting a reinvestigation AND Method of Verification about the following account Fair Collection & Outsourcing dated ( Account Number XXXX ; Opened XX/XX/XXXX ; Balance {$960.00} ). Experian just sent me automated reply without providing proof of " Method of Verification ''. I have requested Experian method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (IN)

I am in the process of refinancing my house with a cash out option. Part of the arrangement is that the mortgage company pays off my loans with the cash and gives me whatever is left over. I called all the loan companies that were going to get paid off starting on XX/XX/2022. I requested a letter to be emailed to me with future dated pay off balances ( most gave me 10 days ) along with their address because the mortgage company would be sending out check payments. All companies had their letters to me to forward to the mortgage company so that they can send checks with the balanced owed within 24 hours except for Oportun. 

You can see in the attached, I received a letter on XX/XX/2022 with an expiration of the same date. On XX/XX/2022, I called Oportun to inform them that the letter they sent is not what I asked for. I was told I would have another letter emailed to me within 24 -48 hours. I waited for that time to pass and I received nothing. I called them on XX/XX/2022 to request the letter again. They told me they put in 2 tickets for that day. I was to receive a letter within 1-3 business days. The mortgage company contacted them on behalf to help me out and was told I would receive a letter ASAP. 

Being that the other letters were about to expire ( as most were 10 day payoff letters ), I contacted Oportun that Monday on XX/XX/2022. They told me that they would have a letter to me ASAP. I called later the afternoon as I had not yet received one and was told to wait until XXXX by the supervisor, XXXX XXXX XXXX I waited until XXXX pm and called back. I was told by the supervisor, XXXX XXXX that I would have one by the end of the day. 

By the end of the day, the mortgage company recommended that I contact the XXXX  and you to inform of the predatory, poor and shady business practices of Oportun. I reported to the XXXX  and you on XX/XX/2022 and sent a message to an Oportun executive through XXXX ( which with no surprise, did not receive any response ). 

On XX/XX/2022, I called first thing in the morning. I was told that they would put in another ticket request for me. I told that it was not necessary as many have been put in. I requested a supervisor or manager and they told that they would not be in until XXXX XXXX and that they would have them call me. Needless to say, I never received a phone call but received another letter dated for the same day ( XX/XX/2022 ) at XXXX. 

Since that is all I could get from them, I asked the mortgage company if we could work with it. They ended up working around it and contacting Oportun one last time to request a future dated payoff letter as they would send a check payment in full.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XX/XX/XXXX, I have attempted to have Midland Credit Management validate collection account # XXXX which is the account # listed on the letter I received from them until this moment they have refused to do so which is a direct violation of my consumer rights based on the XXXX Fair Debt Collection Practice Act, as well as the Fair Credit reporting Act. By providing a incomplete acct # is grounds to discontinue reporting on my credit report which I have submitted demands on numerous times. I have went so far as to write the management Board member XXXX XXXX XXXX on XX/XX/XXXX home office located at XXXX Camino de la XXXX XXXX XXXX XXXX XXXX, Ca XXXX I also wrote to the divisional management XXXX XXXX as well as XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Mi. XXXX until this moment no competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. 

The same has been with XXXX XXXX XXXX I have sent certified letters requesting validation allowing Midland Credit Management to report on my credit report again my rights are being violated XXXX is showing Midland Credit Management as acct # XXXX first they are listed as incomplete acct # which is a violation plus two different acct # for the same account. I feel like I'm powerless can you please help me? By removing this account from my credit report.
Consumer complaint received 2022-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

I have applied for XXXX funds through the State of Indiana. Community Loan Servicing has been provided this knowledge at least 5 times. They are requiring me to make a decision to accept or reject the Modification offer before I have an answer on the XXXX application. They are telling me I will lose their Modification offer if I don't give them an answer. However, based on my research one should not be dependent on the other and even if I do get funding from XXXX, I can and should still be offered the Modification. Community Loan Servicing has been less than compassionate and their communication is horrendous resulting in poor customer. Service
Consumer complaint received 2022-03-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: U.S. BANCORP (CA)

I bought a used car in XX/XX/2021 and the loan was funded through US Bank, beginning in XX/XX/2021. In XX/XX/2021, I received a letter from US Bank telling me that I was late on my loan payment. I logged in to my account and the statement showed the loan amount paid from my Bank ( XXXX  XXXX XXXX ) to US Bank and the loan amount and then the very next line of the statement said, " amount reversed. '' I called US Bank on XX/XX/XXXX ( the first of 12 phone calls ) and spoke with a customer service representative who said that he would try to submit my payment again which he did and said that the money was transferred. 
A few weeks later, I received another letter from US Bank, telling me that I was late on my payment again. This continued to happen so US Bank asked me to get a letter from my bank XXXX XXXX  XXXX XXXX ) stating my account number and routing number to make sure that it was correct. In the mean time, I spoke with supervisors at US Bank, who, with my permission, " took over control '' of my laptop screen to check my account and routing numbers, which were found to be correct. 
I was able to make an in person appointment to talk with a customer service representative at US Bank and he suggested I download the US Bank app on my phone and try making a payment using the app, which I did and it was successful, but it was too late. US Bank had already reported my supposed delinquency to all three credit bureaus. 
I called US Bank a total of 12 times ( and talked to 12 different people, having to eplain everything over and over and over ) over the past three months, to no avail. I mailed them approximately 25 pieces of paper as they requested to prove I was making payments and that their US Bank online system was rejecting my payments. All of my phone calls to US Bank were recorded. 
I am ( was ) in the middle of getting pre-qualified for a home loan and my credit score dropped XXXX points because of US Bank 's mistake and my lender will not move forward with me because of my credit score.

I would like US Bank to reverse the damage that they have done to my credit score with all three credit bureaus.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (NY)

On XX/XX/2021, I applied for and was approved for a XXXX XXXX with Continental Finance Company and received an approval email with a reference number. 

Several days later, I am being told that I applied for the wrong card, that there was a display error, and that I should disregard the original card and accept another card that I did not apply for.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-02-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. XXXX Experian and XXXX are not updated. 
XXXX XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because XXXX XXXX did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile
Consumer complaint received 2022-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have been writin the credit bueaus for over a year, transunion, XXXX, XXXX is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my government contractors, job. I have never lived at XXXX s. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, nor XXXX XXXX XXXX they have 3 bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Consumer complaint received 2022-08-08
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. (NC)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

I had opened an account, but as soon as I opened acct it looked like the number was changed. I notified customer service and switched my acct to be safe. Since I have had some issues lately, I have replaced phone and had to even get new number, which makes it hard at times logging in when codes are sent. I had asked once before about gaining access to account I can't get it and it was said I should just open another. I didn't want a bunch of accts, but it seems that everytime I need to replace phone and I try to transfer apps, it makes me open new acct. I have three cards now but only access to 1. With info. I was going to have funds deposit into acct from rental assistance and tax rtn but as soon as I put it thru to process it seems I no longer can access. I also had concern about the bitcoin and what it felt like it presented. With an oddly high price per share, I didn't see anything that showed me if it was my bal or just there with options to send or buy with a note that states u can't get back? 
Since I had been expecting a deposit that could be kinda large from reimbursement for covid expense, I asked and I was told it was just the value? 54k, for 1 unit? So I felt the presentation represented funds that looked like mine but in essence was told that it was just representing the balance. I had looked at another app page to see if that showed the same balance. It didn't seem to. I was concerned that incoming deposits were being placed there instead of acct. And with my card being open one day n closed the next, I have no access to see if the bal is zero or what. 
So I have XXXX cards last XXXX digits of the cards are XXXX, XXXX, XXXX. 
I had also asked the SEC. Considering the balance seems incorrect for what it is and I have had invested accts n it seems to me whatever the source is that makes that amount, has probably misposted amount.