davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NM)

NOT A DEEP INVESTIGATION. THE NEGATIVES ARE NOT MINE I 'VE LISTED THEM. 
XXXX INQUIREIES-NOT AUTHORIZED ( XXXX XXXX IS TAKING OFF ) XXXX XXXX-SPECIFIC REASON FOR DELETING-PAID OFF-INSURANCE-ID-XXXXXXXX PAID BY INSURANCEXXXX XXXX BY MEDICARE-DELETE-REASON TO DISPUTESENTRY RECOVERY-SPECIFIC REASON TO DELETE-NOT MINE ID USED TO RENT APARTMENT/MISUSE OF XXXX VERIFY WITH DOCUMENTS STATE ETCSUN LOAN-PAID OFF REASON TO DISPUTE-SPECIFIC-PAID OFFBUSINESS AND PROFESSIONAL-SPECIFIC RESON TO DISPUTE-MEDICARE PAIDXXXX XXXX XXXX-SPECIFIC REASON TO DISPUTE-PAID IN FULLXXXX XXXX BILLING-NOT MINE WRONGFUL ACCOUNT-SPECIFIC RESON TO DISPUTEXXXX XXXX-NOT MINE SPECIFIC REASON TO DISPUTE
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.
Consumer complaint received 2024-08-15
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: Experian Information Solutions Inc. (TX)

I was a victim of identity theft. Someone stolen my identity And use my actual driver license, address, date of birth and social security number it to open a fraudulent accounts without my knowledge. I did not receive no money or no compensation for my identity that was stolen. I respectfully request that THESE ACCOUNTS TO BE DELETED, Identity theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction(s) or accounts that I have made or opened . It is the result of identity theft. Experian said it was verified but did not provide Information accordance with me according to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection XXXX please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Consumer complaint received 2015-12-20
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly. 
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen. 
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in. 
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}. 
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son. 
I am so ashamed.
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

The balance from the Docs sent me as of XXXX/XXXX/2016 {$5600.00} in on XXXX XXXX I made a payment of XXXX dollars and today another payment of XXXX dollars, however since i received no statement in the mail I called today to inquire of the balance and was told that after today 's payment of {$500.00} the balance was XXXX dollars, clearly something is wrong.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AZ)

My XXXX account was transferred to Diversified Consultants Inc and when I received notice of this, I immediately paid in full and was assured it would not hit my credit report. Months later, I noticed an open balance on my credit report for an amount I did not owe. I reached out to DCI and they told me it was an error on their end and they would update the records for the credit bureaus. Recently, I noticed it is still on my credit report so I submitted a dispute to XXXX and they notified me that DCI claims the debt is mine, however, when I call DCI they tell me my account was paid in full and they are reviewing the issue. They continue to prolong the dispute and nothing has been resolved. In addition, their customer service is terrible and they are very rude when I call to request a status update. One of the representatives would not even let me talk and kept interrupting me and being disrespectful. It is frustrating that this error is affecting my credit and DCI is not being helpful.
Consumer complaint received 2015-11-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (CA)

On XXXX over ten days from the clients sale date of XXXX a modification package was sent in. ( please see attachment ) On XXXX Pacific Union confirmed receipt of all docs and stated nothing was needed. 
On XXXX XXXX with Pacific Union stated a missing document letter was sent out on XXXX but " had already expired. '' She stated that a letter of explanation was needed for deposits into the homeowner 's bank account. She stated that it was too late to send it. The Letter of explanation was sent that same dayPacific Union was called on XXXX, XXXX and they stated that they did not have receipt of docs as of yet. That it can take up to 5 days. The first time the initial package was faxed and emailed in, it was received that same date. It was very apparent that the lender was purposely avoiding acknowledging receipt of the documents in order to foreclose on the home. The documents were not only sent in a timely manner, but the fax confirmation and email were kept as record. 
On XXXX Our office once again spoke with XXXX who stated there was still no update. When asked what the delay was on receiving the documents she rudely stated the following- " You are not the only one in the world attempting to do this. '' A supervisor was requested but she claimed all were in meetings and no one was able to assist on the file. XXXX stated that the home would go to sale on XXXX as the review of the modification would not postpone the sale date. 
On XXXX the homeowner received a letter dated XXXX stating the loss mitigation package was received. That the deadline to send in the Letter of Explanation document was XXXX which has not yet expired.. 
Pacific Union has stated one thing in writing and their employees are stating something else verbally. It is very apparent that Union Pacific was rather not assist XXXX XXXX. Furthermore, Pacific Union is discriminating on XXXX XXXX based on his race, national origin, and ethnicity. XXXX XXXX is requesting a fair review with no discrimination or he will assert his legal right in district court.
Consumer complaint received 2016-03-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

I am so frustrated with Midland Funding. They are attempting to collect debts I do not owe. In a prior dispute they responded that they have put my number on their do not call list. At that time they were saying I had XXXX debt now I 'm getting calls on XXXX different debts that are NOT mine. They have also added Collections on my credit report causing my score to drop by over XXXX points. Is it legal for them to destroy my credit without ANY proof or documentation that I owe it? The entire credit system is broken if this is possible. I ca n't even sleep nights worrying about this and want someone to stop these predatory tactics.
Consumer complaint received 2024-08-27
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
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. (GA)

I am writing to bring to your attention several issues I've encountered with the credit bureau. These concerns include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

Resolving these matters is essential for my financial security, and I would appreciate your assistance in addressing them.
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I mailed a request for validation to Portfolio Acceptance, LLC on XX/XX/XXXX. In my XX/XX/XXXX letter I specifically asked that Portfolio provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Portfolio responded by way of letter dated XX/XX/XXXX by simply providing a copy of an XXXX statement for the period of XX/XX/XXXX to XX/XX/XXXX showing an alleged balance of {$1400.00}. Portfolio again responded on XX/XX/XXXX by providing a summary of their electronic file stating an alleged balance of {$1800.00}, refusing to respond to my dispute due to their alleged prior response and requesting that I provide them with additional information. To date, I have not received ( i ) a calculation of how they arrived at the balance of this alleged debt, ( ii ) an explanation of how their claimed amount in excess of the alleged original balance is authorized by the agreement creating this debt or is permitted by law, ( iii ) nor have I received any documentation containing my signature that show I agreed to pay this amount. It is my belief that Portfolio has not conducted a reasonable investigation of my dispute.
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (MD)

XX/XX/XXXX/2015XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXTo whom it may concern : On Sunday XXXX XXXX 2015 I went to the M & T branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at about XXXX and made a {$400.00} cash deposit and {$40.00} withdrawal at the ATM at that location. I checked my account on Monday XXXX/XXXX/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M & T branch located on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday XXXX/XXXX/2015 when all the charges was cleared for her to file a claim on my behalf and that i was going to receive a refund within 24 to 48 hours. As of Tuesday XXXX/XXXX/2015 I have n't received a new card or a refund for the fraudulent charges on my account. I called XXXX and inform her on XXXX/XXXX/2015 that I have n't receive a refund and was told the bank is going over the videos and that I was going to be contact via a letter. I am very disappointed in the way my case is being handled M & T does n't not value or protect their customers from scams such as what I have encountered. I called and spoke to XXXX ID # XXXX over the phone on Tuesday only to be inform that a refund of this sort takes 10 business days and that M & T has sent a letter requesting more information I do n't have any other information to provide ; I 'm looking for M & T Bank to give me more information as to why it was so easy for someone to access my account and withdraw all of my money no one knows my pin number and the card was in with me how can someone be able to access my account ; I need M & T to tell me why all of their members do n't have a more secure and protected ATM cards. I 'm sure I 'm not the first customer to experience this kind of situation my question is why do we the customer have to suffer and wait two week for M & T to investigate fraudulent activities because they did n't not send all of there member a secure card with a chip when they are well aware of how advanced these scammer are. XXXX/XXXX/2015 I reach out to M & T again about my refund only to be told it was denied I have since reopened the case because they have to refund me all of my money and overdraft charges what is my next step do I need to file a court case against M & T bank to get my money back I need help. I 'm going to make sure to tell all my family and friends and anyone I come across to never bank with M & T bank they do n't value there customers and our money is not protected. 

XXXX XXXXRespectfullyXXXX XXXX
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: M&T BANK CORPORATION (FL)

***This is my 2nd complaint against M & T bank for deceptive mortgage practices On XXXX XXXX, XXXX I filed for Chapter XXXX bankruptcy and surrendered my house located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX as part of the bankruptcy. The mortgage was held by XXXX Bank. My mortgage with XXXX XXXX XXXX in the amount of {$150000.00}, Account # XXXX, was discharge in Chapter XXXX bankruptcy on XXXX XXXX, XXXX. The amount was reduce to zero and I am no longer financially responsible for the mortgage. On XXXX XXXX, XXXX, after the mortgage was discharged and I was no longer financially response for the mortgage, XXXX Bank transferred the mortgage to M & T Bank. After that date I started receiving calls from M & T Bank / XXXX XXXX XXXX that I need to make payments on the mortgage to them. I filed a complaint with Consumer Financial Protection regarding M & T Bank / XXXX XXXX XXXX. M & T responded that I was correct, the loan had been discharged in bankruptcy, and I was no longer response for the loan. On XXXX XXXX, XXXX I received a XXXX from M & T bank showing cancellation of debt in the amount of {$150000.00}, and a XXXX.However, since the debt was discharge in bankruptcy on XXXX XXXX, XXXX, no actual debt was transferred to M & T and I should not have received a XXXX. M & T need to correct their mistake. I have attached the following : copy of the XXXX & XXXX, response from M & T on XXXX XXXX, XXXX regarding my previous complaint, Florida assignment of mortgage document showing mortgage was transferred from XXXX to M & T after bankruptcy discharge, Schedule D from my bankruptcy documents showing the XXXX mortgage was included in the bankruptcy, page from the bankruptcy showing that the property a XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX was surrendered in bankruptcy, my bankruptcy discharge document dated XXXX XXXX, XXXX, letter from the bankruptcy showing that I completed all payments on my bankruptcy plan & the bankruptcy trustee 's report of receipts and disbursments.
Consumer complaint received 2024-08-15
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. (KY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-15
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. (NY)

You have breached 15 U.S. Code 1681b of the United States Code, which specifies the allowable purposes for consumer reports. As per subsection ( a ) ( 2 ), a consumer reporting agency is permitted to provide a consumer report only upon receiving written authorization from the consumer in question. I have not provided any written consent for the inclusion of any information in my consumer report. Therefore, in accordance with the law, you must promptly remove the accounts referenced in this correspondence.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-01-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (AZ)

I 've received 4 collection calls from this number, XXXX, of which each time a automated message is left on my answer machine. The caller ID says " XXXX Service ''. The four dates I received these calls are ... XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, and XXXX/XXXX/XXXX at XXXX. 
I also know that calling times can not be earlier than XXXX.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I 'm formally requesting you to delete 30 day late reported for act # XXXX for XX/XX/2015. My family on my behalf called Ditech to make a payment over the phone however it did NOT register in your system. I 'm a XXXX thus I used a line for XXXX to make the payment for XX/XX/XXXX and was assured that it will be property processed, but it was NOT. Now you are reporting a 30 day late on my credit report when in reality I was never late on this account it was YOUR fault and failure to properly process my payment. 
I 'm requesting you to delete this late reported as it is a violation and a discrimination on your behalf and it is hurting my credit greatly!
Consumer complaint received 2024-08-15
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. (NC)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2015-12-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Services Association (TX)

I kept going on there and my child was always sucking on the wrong pacifier and all of his pacifiers had his name engraved on it. I kept bringing this up but it was never fixed. He was always crying when I picked him up or go to drop him off. He was n't happy there. I gave my 2 weeks notice to the daycare and took my son from that daycare in XXXX XXXX. I have not heard anything from them, then I go to buy a house I 'm XXXX XXXX, and see they sent a collection in XXXX of XXXX stating that I owe them {$510.00}. One they never contacted me about anything, two I have them notice.