davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation (MS)

I received a letter from TRS Recovery Services XXXX Inc. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending TRS Recovery Services payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX I send them a total of {$150.00}. I called XXXX XXXX XXXX XXXX and I talked with XXXX XXXX ( collection specialist XXXX ext. XXXX ) I was told that they have n't received any payment from TRS Recovery Services and that they no longer worked with this company. XXXX XXXX told me to send her a copies of my checks made to XXXX XXXX XXXX. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to TRS Recovery Services about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. TRS Recovery Services owes me {$94.00}. I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX on XX/XX/XXXX to get an update and I was told I needed to get in contact with XXXX XXXX at TRS Recovery Services she is the one handle your account. I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I did n't get anyone.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (IL)

Last year I got involved with several fraudulent companies that contacted me to sell me their services, that I did not solicited. After I paid the first XXXX, many others were calling me like they were all connected offering me online services related that were unnecessary. XXXX XXXX XXXX was XXXX of them, they called me on XXXX/XXXX/2016 and I was told they guaranteed XXXX leads plus internet marketing, 6 months of advertising, they said the leads were guaranteed, they said they would deliver leads within 180 days from date of payment clears.Did n't receive it. Leads would apply to my website. I paid them {$3000.00} with my Discover card. No other contact, no emails, or calls, etc. They stated I would make money with this opportunity. Have not made a penny.And they disappeared.
Consumer complaint received 2016-05-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SECURITY FINANCIAL (SC)

I believe I am on the XXXX. mort. co., in other words it has been sold twice. The current alleged owner has hired a bill collector, a so called mort. servicing corp. to manage my mort.. I have been waiting since XXXX/XXXX/2015 for the former mort. co. to sign my insurance claim check over to me. I finally received an insurance check made out to me & the former mort. co. with a signature on it. I do n't know if I can deposit it or not but I will find out tomorrow. I think they want me to endorse it & send it to them which I am not going to do. To put it bluntly, I do n't trust them. If I sign it & send it to them, I will never see it again & I will loose control over my payment. Also, I have asked for but not received credible documentation that this new company does in fact own my mort. nor that this so called mort. servicing co. is authorized to receive my payments. They want me to make my checks payable to them ( the bill collector ) & they do n't even hold the note. I have to wonder if either of them are licensed to do business in S.C..
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have had an account with Capital One since XXXX of XXXX. For years, I made on time payments, every month. I went through a financial hardship due to a job loss and was unable to make payments besides my rent, car payment, and car insurance. I could n't pay my credit card bills at that time. I got a job with a XXXX company last year, and was just promoted last week to an excellent position with a large pay increase. 

Capital One closed and charged off this account in XXXX after my job loss and my inability to make payments. Since then, they have reported that I have been 90 days late XXXX times on my XXXX report, and XXXX times on my XXXX report. This reporting is simply erroneous as there is no way that I am still late on payments every month after this account has been charged off and closed. 

I called to tell Capital One that I would pay off the remaining charged off balance yesterday, as long as they properly updated that the errors would be corrected. I talked to a few representatives and they told me that there was nothing they would do for me because the reporting was correct. I find it impossible to believe that a closed account can still have payments reporting as late. 

Please investigate this. I am willing to pay Capital One every penny I owe them, as long as they delete my errors from my credit report. There are so many errors, that the best resolution would be for them to accept my payment in full for the {$390.00} balance I owe them and they could just remove my trade line permanently. 

I will be attaching screenshots from my XXXX credit monitoring report so you can see the discrepancies. Please investigate this because there is no consistency to the reporting errors and Capital One is still hurting my credit to this day on an account that has been closed for years.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX - **Creditor Type : ** Collection services - **High Balance : ** {$5600.00} - **Open Date : ** XX/XX/XXXX - **Last Reported Date : ** XX/XX/XXXX On XX/XX/XXXX, I discovered this account on my credit report. I have no knowledge of any debt owed to XXXX and have never entered into any contract with the debt collector associated with this account. I believe this account has been incorrectly or fraudulently reported under my name.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (GA)

I have a XXXX XXXX XXXX account that is past the 7 year statute of limitations to report on my XXXX credit file. Midland credit management, the company which bought the debt, has re-aged the account to increase the time the can try and collect on the debt. Re-aging is not allowed under the FCRA and is a violation of my consumer rights. XXXX closed the account in XXXX and it was XXXX delinquent in XXXX of XXXX. The XXXX delinquency is the only date and standard for the 7 year reportable status. Based on this information, provided by XXXX XXXX XXXX, this debt is no longer reportable on my credit file yet MIdland is trying to report the first major delinquency as XXXX. This would be impossible as the XXXX account was closed in XXXX. A simple internet search will show, while Midland claims otherwise, that Midland has a poor track record of adhering to FCRA guidelines and has been subject to XXXX in fines. Their questionable collection tactics have continually violated consumers rights to maximize their profit. I Have filed complaints with the XXXX, CFPB, and California Attorney Generals 's office, yet Midland asserts that they do not re-age accounts. It only takes XXXX look at my documents provided by XXXX and XXXX to see that this statement is false and Midland has violated my consumer rights.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX XXXX ( creditor- XXXX XXXX ) {$450.00} account removed by Transunion ; still being reported on XXXX . I have disputed with XXXX and they have not removed. It is also showing on XXXX still. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( credior- XXXX ) {$91.00} : removed by Transunion : XXXX has not cooperated in deleting, and is still reporting. Still showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( creditor- XXXX ) {$360.00} removed by Transunion , XXXX has not cooperated in deleting and is still reporting. Still also showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX ( creditor XXXX ) {$540.00} removed by XXXX Transunion is still reporting, although I disputed with them. Also showing on XXXX.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion continues to keep an erroneous charge off from a collection agency, XXXX XXXX. I have already disputed this with TransUnion and it came back as the infamous " that they are reporting correctly '' which they are not. 

To again expedite the process. I have a signed release from XXXX and their original creditor in lieu of suing them for having violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

TransUnion again has had more than the allotted time twice to delete this frivolous trade-in from XXXX XXXX! 

I have enclosed the copy of release and expect TransUnion to IMMEDIATELY DELETE and not again send a partial automated response by just " reinvestigating this item '' by their e-Oscar system. 

They care continuously and willfully causing financial harm and I am giving TransUnion until the close of business on the XXXX of XXXX 2016 to have this permanently deleted or I will sue TransUnion both in State and XXXX XXXX. 

Time has run out and they need to be compliant! 

XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

DO NOT SEND ME ANYTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its reporting as a collection. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its reporting closed. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Charge off a bad debt These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I am formally addressing a serious issue regarding identity theft that has directly affected me. Recently, I discovered that some one open a Navy Federal bank account in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. 
I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be removed immediately from my name to prevent any further complications or damage.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, FL 32907 XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX, FL XXXX
Consumer complaint received 2015-08-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (MI)

This is a new complaint about TCF Bank. Piggy backing complaint XXXX. 
As most of the issues from the above complaint have been resolved after about XXXX months of XXXX from TCF Bank, we have repeatedly asked TCF Bank to send corrected statements for this XXXX mortgage account with an amount due and due date. This has not been completed yet and we have spoke to many TCF people. We paid our XXXX XXXX mortgage payment and the clerk said she would send an updated statement XXXX days ago and still no statement. We have asked XXXX in TCF call center in Colorado, XXXX XXXX VP in XXXX TCF, as well as another call to the normal XXXX that we make our payments to and have not received the requested hard copy of our statement.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Delinquent account — 
Company: Atlanticus Services Corporation (GA)

Fortiva has reported and damaged my credit intentionally. I called this credit card company on XXXX XXXX, 2016 to make payment in which their automated system advised my credit card was current and I owed XXXX dollars. On XXXX XXXX, this credit card company called my cell via the dialer system and I spoke with a customer service rep who told me I was 30 days past due and I pay her one payment in the amount of {$74.00} in which I did. Five minutes later I was contacted again via automated dialer on my cell phone and was told I was 60 days past due and should pay 2 payments. Then, I became confused because the reps could not explain my due date or my payment history. I then called back, got another rep on the phone and the third time was told something different. I asked if this would destroy my credit. All the reps kept saying was not to worry, everything was going to be okay and not report if I paid. I paid as instructed and now I am being reported 60 days on my credit. Fortiva has destroyed my credit with their poor customer service and misleading practices.
Consumer complaint received 2017-02-16
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: McCalla Raymer Leibert Pierce, LLC (IL)

On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MO)

Your Home Page is emblazoned with WE 'RE ON YOU SIDE! No you 're not! Just another XXXX/Banking outrage at Wells Fargo is met with a fine. A FINE?!?! The people who perpetrate these crimes do n't give a XXXX about fines ... they do n't pay fines, the stockholders do. This is a LONG standing problem and fines will do NOTHING to stop it. You know what will? Prison time for executives. Until these low lifes go to the slammer, these outrages will continue ad infinitum. The Wells Fargo executive who oversaw the fraud retires with XXXX even though WF has a clawback policy for malfeasance ( which they have chosen not to invoke ). This is a MAJOR fail for the CPFB. If all you can do is hand out meaningless fines, you are just going though the motions of doing something useful.