davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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: ENCORE CAPITAL GROUP INC. (OK)

XXXX XXXX XXXX herein known as " Consumer '' MIDLAND CREDIT MANAGEMENT herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. 

STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. 

A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXX v. United States XXXX XXXX. XXXX, 208 U.S. 404, 411 ( 1908 ) ; XXXX v. XXXX XXXX. & XXXX XXXX, XXXX Cal . App. 3d 1092, 1098, 223 Cal. XXXX. 298, 301 XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX41, 344, 318 A.2d 659, XXXX XXXX XXXX ).
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

Opened an account at XXXX Bank on XX/XX/2022. After receiving email confirming that account was approved I transferred in XXXX from my accounts at external banks. 
Sent secure message re transfer limits and was assured by a supervisor " XXXX '' that the limit would be up to XXXX. Then I was asked to let XXXX access my computer, which I did and they tried several transfers, but they did not work. So I worry that fraud might be involved and URGENTLY need to speak with someone. 
Subsequently, after the transfers in had processed and showed up in my account as " available '' I received an email request to send a photo of myself holding my ID, which I did. ( XX/XX/2022 ) Then, immediately, I received another email warning that my account was restricted because they could not verity the info. I have been trying to call or reach someone at XXXX ever since but noone is willing to respond or connect me with a supervisor. Instead I received an email that my funds can not be transferred out, and will be held for 30 days. Having transferred the bulk of my family savings I urgently need to access some of the money to pay bills, including medical, and am ready to provide addtl info if they have problems identifying me, but they have ignored 10 messages, and several phone calls.
Consumer complaint received 2019-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CMRE Financial Services, Inc. (CA)

To whom it may concern, I recently pulled my credit and noticed a collection with CMRE. I called CMRE to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additional collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) thats paid in full to be removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been about 30 days now since I contacted this bureau and they still have not corrected the derogatory mark on my account. 
This is ridiculous. 
This needs to be fixed. 
These companies are taking their time on this and all I want to do is move on from it.
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

On XX/XX/2021, Advance America located at XXXX XXXX XXXX XXXX XXXX, TX XXXX called my job and left a message with one of my co-workers asking for my call to be returned for a personal business matter. It was very unprofessional and not a good look for me to receive a personal call.
Consumer complaint received 2024-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

I have a loan for many years with Navient. They are in court for settlement I would like to take advantage of as I also feel like I was misled by the vocational school that is named in the lawsuit. XXXX is the recent takeover of my loan however that company is also included on the lawsuit. Navient refused to provide the document.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

After reviewing by a copy of my credit report and I realize that as a consumer Professional Credit XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They are saying that I owe this alleged debt which this debt is not mines. This is abusive practices 15 USC 1692a.You can have access to this alleged debt but you should not have my Personal Information. You have violate other rights which each violation is {$1000.00} per occurrence. have attached my ID to help identify me.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I had 3 XXXX XXXX XXXX account which I paid on XX/XX/XXXX. I have disputed the account more than 7 times. Each month they tell me to dispute it again without a resolve. I have uploaded the " Paid in Full '' letters 4 times. I called the Credit Union and they said that they fixed it on their end. The accounts do not appear on XXXX  nor XXXX  so Experian is the only company that is not doing their due diligence. According to the Fair Credit Act of 1971 they had 30 days change the information. One of the accounts is still showing a balance of {$610.00}. They have the information but they have left me on hold for three and half hours at one time and another time for an hour and half, before I hung up.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCM Finance LLC (LA)

I reached out to a salesman for XXXX via XXXX regarding a sponsored post about vehicles for sale. After going back and forth about the process and what was needed in order to complete the car purchase, I decided to make an appointment to go in and buy vehicle. Once I arrived the salesperson whom I had been speaking with was not available, neither any of the vehicles he stated was. After being assisted by salesman, XXXX XXXX, I made the decision to purchase another vehicle. What seemed like a good purchase has been a complete nightmare from the time I signed my signature ( payment in full ) and rode off in vehicle. I made this purchase on XX/XX/XXXX and within the 1st 60 days my XXXX went out. I proceeded to look up the terms of my warranty and set my vehicle up to be repaired. After speaking with the warranty company I learned there was only 1 covered repair facility in my area and that facility needed for me to leave my vehicle at least 2 weeks to determine the diagnosis. Unable to do that I asked about taking the vehicle to a different location and was informed that I would be responsible for the cost. I called in multiple times to CCM Finance LLC to receive assistance with this but never received any help. Not only did they not offer any assistance with repairs but also would not assist with car payments or allow me to make partial payments. After this initial frustration I dissected my consumer contract. which contains many fraudulent and erroneous errors. One of those errors is my personal information that was changed without my consent and is now reporting on my credit report. Also the price of vehicle is more than what was told to me, I was told warranty was included in the price of the vehicle and it was not, I was offered deferment for past due note but was informed all funds had ran out and program has ended. I have filed complaints with the Attorney Generals office as well as served the XXXX XXXX XXXX and made several attempts to have this issue resolved with the company but response. On XX/XX/XXXX my vehicle was illegally stolen and repossessed without proper procedure, LA R.S. 6:966 ( A ) ( B ),, or making any attempt to resolve my issues, acknowledge or address my concern.
Consumer complaint received 2021-07-07
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. (MS)

I've contacted Experian, XXXX, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Consumer complaint received 2023-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I reach out to XXXX XXXX and Equifax XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the Investigation to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about 15 days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} The XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again
Consumer complaint received 2021-01-22
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. (OH)

I sent XXXX notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. I have not received a response from this credit bureau nor the XXXX of these accounts. Therefore, since this dispute has not been resolved within 30 days under the FCRA, those accounts and the inaccurate information that were in my dispute letters must be deleted from my credit report. 

My personal information includes : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX Last XXXX of XXXX : XXXX
Consumer complaint received 2021-07-07
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: JPMORGAN CHASE & CO. (AZ)

Dear Chase, my name is XXXX XXXX. I open a Chase sapphire preferred card in Chase local branch on XX/XX/2021. When I apply for the card the opening bonus is XXXX UR points after spending {$4000.00} in 3 months. The banker who helped me apply for the card told me I could ask for a bonus offer match if Chase increase the opening bonus after I open the account within 3 months. I also sent a secure email on Chase.com to confirm this is true. 
However, Chase increases the opening bonus to XXXX UR points in XXXX with the same requirement. But when I call Chase to match the bonus offer from XXXX to XXXX, I have been declined as I have been told you don't do the match, even I have explained to him I have been told by the banker and also on the secure email. I would really hope Chase could match the offer as I have been told when I apply for the card, and that's the major reason I decided to open the card at that time. Please help me match the additional XXXX UR points to my account since I already fulfill all the requirements. Thank you!
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AL)

I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with Citibank to tell them I had already paid and settled this account and its still reporting the same
Consumer complaint received 2023-04-04
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: ALLY FINANCIAL INC. (NC)

On XX/XX/, I noticed an unauthorized charge on my credit card for {$120.00}. I immediately notified my company Ollo. They cancelled the card and advised they would send a new one. On XX/XX/XXXX they reversed the unauthorized charge, but I did not receive my new card for approximately 2 months. During that waiting period they continued billing me for late charges as well as interest charges. I strongly believe it was unethical to continue charging these fees for a card I did not have access to. Nor did I appreciate the excessive phone calls, which were sometimes three calls a day. This is harassment. As of this date, the harassing calls and fees continue to mount. I would like an apology as well as a refund for all fees that are still occurring.
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (FL)

I am writing to formally dispute inaccurate information reported on my credit report concerning a XXXX Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX It has come to my attention that this XXXX is being reported repeatedly XXXX, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a XXXX should be reported only XXXX, reflecting the date it was XXXX XXXX. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous XXXX  reporting of this XXXX misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a XXXX  is XXXX years from the date of the initial delinquency that led to the XXXX ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this XXXX as a new event each XXXX  does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the XXXX from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-02-24
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. (MO)

I've sent in an FTC report for 4 fraudulent accounts that are still reporting on my Equifax violating FCRA. I'd showed proof that this information has been removed from other credit bureaus due to the inaccurate information. Equifax is not following the FCRA. They are highly incompetent as a Consumer reporting agency. They haven't responded to my first complaint # XXXX. Confirmation number : XXXX is the current dispute number as to which an investigation is taking place when I have never received an investigation report.

Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2022-07-22
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. (TX)

Hi I am submitting this XXXX XXXX this isn't 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 719XXXX has me at a score around 590. 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree 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 21 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 XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX ssn XXXX dob XX/XX/XXXX. this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a car loan from " XXXX XXXX {$13000.00} '' opened on XX/XX/XXXX. 

A credit card XXXX XXXX {$2700.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX XXXX {$19000.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX  {$8500.00} a personal loan from XXXX XXXX  {$7500.00} I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.