davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Sir/Madam, I am writing to file a complaint against Midland Credit Management for violating several consumer protection laws, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that the collection agency be removed from my credit report due to these violations.

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is prohibited from making false or misleading representations about the character, amount, or legal status of any debt. However, Midland Credit Management has repeatedly misrepresented the amount of the debt owed, leading to inaccurate information being reported on my credit report.

Furthermore, 12 CFR1006.34 ( c ) ( 4 ) ( I ) states that a debt collector must provide the consumer with a written notice containing certain information about the debt within five days of the initial communication. Midland Credit Management failed to provide this written notice, thereby violating this provision.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to provide accurate information to credit reporting agencies. However, Midland Credit Management has consistently reported inaccurate information about the debt to the credit reporting agencies, resulting in a negative impact on my credit score.

Moreover, 15 USC 1681-S2 ( 7 ) ( A ) prohibits the reporting of inaccurate information to credit reporting agencies. Midland Credit Management has violated this provision by reporting inaccurate information about the debt, which has adversely affected my credit report.

I demand that Midland Credit Management be removed from my credit report immediately due to these violations of consumer protection laws. I also request that the collection agency cease all further collection activities and refrain from reporting any further inaccurate information to credit reporting agencies.

I appreciate your prompt attention to this matter and look forward to a resolution in a timely manner. Thank you for your assistance in addressing this issue. 

Showing on XXXX, XXXX, and XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREENSTATE CREDIT UNION (KY)

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has been harassing me every day at least twice a day via various different phone numbers to collect a debt that is not legally mine. 

I leased a new vehicle back in XXXX. I sat in the dealership with the salesman as he called the original credit union directly for a payoff amount, it was read off via the automated phone menu, and the salesman sent that exact amount to the original credit union and I signed the title over to said dealership ( XXXX XXXX XXXX in XXXX, KY ). 

Days after I began receiving letters and many many calls regarding a {$65.00} difference in the payout amount that I'm not even legally responsible for as the car title hasn't been in my name since that car was signed over before I left the dealership lot. 

It took maybe a week before XXXX, XXXX began harassing me everyday with various different numbers NUMEROUS times a day. 

I've answered twice on recorded line explaining the debt is not mine legally and they will get nothing from me, if they'd like it paid contact those legally responsible at XXXX XXXX XXXX  in XXXX. But they still keep harassing me with calls and texts every. Day.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

CEASE AND DESIST DEMAND Re : Cease and Desist Notice : Account Number XXXX I am filing this letter to formally demand that your company cease all communication and activities related to the alleged debt under account number XXXX, as referenced in your correspondence from XX/XX/2023 to the present day. 

I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2023, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned account. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, your company has failed to respond to these inquiries. 

The persistent and unwarranted communication from your company has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe your actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that your company cease all activities related to this debt within fifteen ( 15 ) days from receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against your firm to protect my rights. 

Please govern yourself accordingly
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent notice to companies that they were illegally reporting inaccurate information to my credit reports every single month under the Fair Credit Reporting Acts and that they didn't have permissible purpose to do so and that I needed proof in writing within 30 to 45 days and I sent letters via certified mail and I haven't heard anything back from anyone and this was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (VA)

Greeting, I am XXXX XXXX XXXX XXXX XXXX 
I was XXXX XXXX for almost XXXX XXXX  my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a XXXX XXXX on XX/XX/XXXX for which I am in XXXXXXXX XXXX. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with AMEX, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, AMEX, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, AMEX has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to AMEX. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

Sincerely,
Consumer complaint received 2024-02-14
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Glacier Bancorp Inc. (MT)

I applied for a USDA guarantee home loaXXXX from XXXX XXXX XXXX  in XXXX XXXX in XXXX of XXXX loan requires the bank to hire an appraiser to see if the home meets their requirements and to give a report of the value. The bank is supposed to make sure the appraiser is doing his job correctly. The appraiser said their were a few minor fixes that needed to be addressed like painting the porch and installing a couple of XXXX receptacles. The issues were fixed and the bank said the loan was approved. About a year after i signed the papers the roof started caving in due to snow and ice. I called the insurance company and they sent a guy out to look at the damages. After about a week i received a letter from the insurance company saying they were not paying for anything and the house was uninsurable due to its condition. I looked at the appraisal report that the bank gave me a copy of and it stated the roof was in good condition and there were no issues with the house. He did not report the exposed wiring or the moisture and rotten floor joists in the crawl space. Not only did he lie about the condition of the house he lied about the value of it by comparing it to houses that were worth a lot more. XXXX of them was a house on the river but he said the location had no value. The bank looked at his report and said nothing then sold the loan to another bank. I tried to contact the USDA but they would not return any of my calls. I tried contacting them for months with no response so i had to try and replace the roof out of my own pocket and do the work myself since i could not afford to pay a contractor {$60000.00}. I had to quit working and try to get enough done before winter because i didn't have anywhere else to live. I got behind on my mortgage payments because of the time and money it was taking to replace half the house and the foreclosed on the house even though i called the bank and the USDA and told them why i was behind but they didn't care. I lost everything because the bank signed a loan and the USDA approved it when they new the appraisal was all a lie so they could get more money
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to file a formal complaint against Bank of America ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. 

I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 



On XX/XX/year> I notified Bank of America that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Bank of America has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 



This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 



I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Bank of America complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 



Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Bank of America. 



Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, 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 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 take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible. 

If the debt is based on an alleged agreement or contract, please provide me with a copy of the original signed agreement or contract bearing my signature. 

Please provide me with a detailed account history, including all records of payments, charges, and any communication related to the account. 

It appears that there is a lack of privity between myself and the alleged parties involved in the reported incidents. I have never had any contractual or financial relationship with the entities mentioned in my report. Therefore, I request clarification and verification of the privity requirement, as it seems to be lacking in these cases.
Consumer complaint received 2023-08-09
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc. (FL)

On XX/XX/scrub>XXXX XXXX XXXX I entered into a Mercari transaction in the amount of XXXX, Mercari Invoice ID - XXXX - for a XXXX for a new computer I was building. The part was listed as new, but was used ( and was previously registered to a different person unbeknownst to the Mercari seller - XXXX XXXX who sold the unit ). Unfortunately, the item being registered in someone else 's name, but sold as new, completely voided any kind of warranty on the item, which is a huge problem. In short, the item was not as described, and its just an unfortunate situation. I made contact within 72 hours to the seller letting them know of the issue ; however, Mercari is not wanting to return the funds, and is giving me significant grief surrounding the matter. They keep pointing me back to a 72 hour window, which I made contact in the 72 hour window. The Mercari Seller ( XXXX XXXX ) and I have agreed to mutually refund the item ; however, Mercari is not working with us to support the refund because they claim the contact wasn't made within 72 hours, which isn't true, and I can support that with screenshots and documentation between the seller and myself. The problem arises due to the seller only receiving about {$620.00} out of the total {$790.00}, so Mercari has taken taxes, shipping, processing fees, etc. and is holding those funds hostage when both myself as the buyer and XXXX as the seller have agreed to go forward with a refund. I have other resources engaged, but Mercari is trying to suppress chargebacks and refunds for legitimate situations, and enough is enough. I will help provide any resources I can, but what Mercari is doing, in my opinion, is completely ethically bankrupt, and they need to be held accountable. Additionally, Mercari 's policies do not align with consumer protections for legitimate situations, includiing chargebacks. For example, their policy is in direct conflict with XXXXXXXX XXXX policies, or the chargeback policy of pretty much any bank or financial institution. Since their support is so unwilling to help in dire situations, I had no other choice but to raise a complaint outside in hopes to correct the matter. Mercari also has a history of wanting to offer credits that expire in 90 days in lieu of actually refunding the money itself, and that also is very alarming, and something I would also like to bring to light with the CFPB.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Byrider Franchising, LLC (IL)

XXXX XXXX account should be deleted. Seems as if most recent status has changed to " Charge-Off. '' This account was charged off years ago and should not be updated as a charge off as of XX/XX/2024.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (FL)

on XX/XX/XXXX I made a payment via phone on my mortgage. It asked if I wanted it to come from my bank account on file. I have used this procedure with my horrible mortgage company, Selene Finance for over 2 years with no problem. My bank account has not changed in that time. A few days after I make a payment Selene sends me a letter recording my one-time payment. I received one after my XXXX payment. 
I noticed right after XXXX that the money still had not bern taken from my account. I called Selene ( always a recording ) and it stated my last payment was on XX/XX/XXXX. I thought maybe it was just weird because of XXXX. By XXXX, still nothing out of my account. I called Selene and got the same recording. 
On XX/XX/XXXX I received an alert that my CREDIT SCORE WENT DOWN ALMOST 70 POINTS because of a no mortgage payment. After trying many times to get through to an actual Selene person I finally went to my bank to request its intervention. 
Since then, my bank XXXX XXXX XXXX, has communicated with Selene via email. Selene admitted that the bank account it was attempting the XXXX withdrawal from was incorrect but they did not know why the company had it wrong. A person named XXXX in the Escalation Dept at Selene has lied and told XXXX several times that she is researching the issue and attempting to call me three times. I have no missed calls or voice mail messages from Selene or a XXXX. There is no personal number for any XXXX, so I can only call the general number, go through several recorded steps, finally press XXXX and sometimes someone answers. 
Twice I have gotten through. Once on XX/XX/XXXX and today XX/XX/XXXX. BOTH calls were not answered by a XXXX. Once I got a XXXX. Today a gentleman without a name. BOTH times my experience was as follows : Person says who is XXXX. 
They look at their notes on my case and day she must be from the escalation dept. 
I ask to be connected and am told they can not do that but have to send her an email to respond. 
I get put on hold 3-4 times with the person telling me XXXX is not answering. 
I ask for someone else in that dept and they say they cant do that. 
After 20, 25 min of this Selene Finance line cuts out and the line goes dead. Today i was also told that XXXX said she tried to call you yesterday To repeat : I have no missed calls or messages from a XXXX. 

I have docs to submit but am out of town and can not do it until XX/XX/XXXX.