davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/XXXX, I received a letter from XXXX regarding a debt. The debt was in the amount of {$14000.00} and from Midland Funding. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to Midland Funding dated XX/XX/XXXX, and a copy of a court document dated XX/XX/XXXX stating that the default amount of the debt from Midland funding was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with Midland Funding. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
Consumer complaint received 2023-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I disputed negative items on my consumer report with Experian on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Experian received it, and I already know that its just my word against their word. I do know that I sent Experian a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer. 

Attached to this complaint is a copy of the dispute letter I sent Experian, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Experian indicates that they never received my dispute letter, then I am requesting that Experian conducts a Consumer Investigation, not just a verification with the furnisher of information. 

15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Experian to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed. 

Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Due to the nature of how this company closed my account when I was always current with payments I 'm disappointed at the fact that this is still showing on my credit report. I have n't applied for the store credit card since it was closed. The card was closed by a phone representative mistakenly several years ago when she assumed that I wanted to close the account. Once I found out that the card was closed I called to see if I could have the credit line again and I was denied. The phone agent closed the account without asking me for confirmation and since then I 've never had the opportunity to have a credit account.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NJ)

My wife, XXXX XXXX XXXX, has an account with American Express Bank, FSB ( acct # XXXX ) for which I, XXXX XXXX XXXX was designated as P.O.D. Beneficiary. XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I called American Express Bank, FSB to report XXXX ' ; XXXX XXXX. I spoke with XXXX who told me to mail and/or fax a copy of the XXXX XXXX and a letter of instruction. The fax did not answer, so I mailed the XXXX XXXX and letter of instruction. XXXX informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX, I placed a follow-up call to American Express Bank, FSB and spoke with XXXX who informed me that I would be receiving an Affidavit of Identity that I would need to take to my local bank, sign, and have notarized. XXXX again informed me that it would take 7 to 10 days to process my request. On XXXX XXXX, XXXX I sent American Express Bank, FSB the Notarized Affidavit of Identity with another letter of instruction. On XXXX XXXX, XXXX, I called American Express Bank FSB to follow up on this matter. I spoke with XXXX who informed me that it would take 7 to 10 days to process my request. ( it had been 17 days since I mailed the last letter. It is now XXXX XXXX, XXXX and I still have not received my Money. I am enclosing 14 documents outlining my travails. They are : 1, 2, 3 - American Express Bank, FSB statement of XXXX XXXX, XXXX, 4 - My notes from the XXXX conversation with XXXX, 5 - a copy of the failed fax report, 6 - a copy of my letter of instruction of XXXX, 7 -  My notes from the XXXX conversation with XXXX, 8 - A copy of a letter I received from American Express Bank, FSB, 9 - a copy of my letter of instruciton of XXXX, 10 - a copy of the Signed and Notarized Affidavit of Identity, 11 - My notes from the XXXX conversation with XXXX, 12, 13, 14 - American Express Bank, FSB statement of XXXX XXXX, XXXX.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

National Credit Systems is continuing to report on my credit for a debt I do not owe and the debt is past the statute of limitations in GA. They are also updating the DLA - Date of Last Activity - erroneously. That date should not update unless the consumer made a payment and I have never made toward this debt. I have been disputing this for some time with no response. 
I do not owe what they say I owe and the debt is past the statute. Someone needs to do something about them updating inaccurately and just ignoring disputes.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have disputed XXXX accounts with Transunion for identity theft, I have submitted the same paperwork to each of these XXXX creditors as well. I have submitted an identity theft affidavit as well. Transunion has not removed these XXXX accounts for XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX yet. They have investigated and just say that it was verified. This was identity theft so ever who did it gave my information, no one has ever produced any signatures that was needed to have the account opened either. This has been hurting my credit. My next step will be to pursue claims against XXXX and the XXXX creditors in court. I am trying to avoid that as I am XXXX.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I co-signed for a private school loan for my son with XXXX XXXX XXXX XXXX and was unable to pay the loan due to extenuating circumstances. The default of this loan continue to be on my TransUnion credit report after the 7 years since it was reported. XXXX did the right thing and removed it once we reported it to the Consumer Financial Protection Bureau but not TransUnion. We were warned by the refinance agencies we would have continued problems with TransUnion and they were right.I believe TransUnion is playing games with the reporting dates and they do not have a date reported category but a date opened in their reports. There are three separate loans by school semester and TranUnion has the dates as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are also showing closed dates on all three as XX/XX/XXXX which is not correct. The loans are not and have not been closed nor has any payment been made on these loans. 

TransUnion has claimed that they can not find our previous disputes but they are so incompetent it is frightening to have such an organization managing your credit history. We have contacted TransUnion on numerous occasions to ask to have this debt removed and been ignored. In XX/XX/XXXX they sent us a letter stating they were unable to locate our credit report. We contacted them again XX/XX/XXXX and still no response. This debt is far past the 7 year retention term for negative  account history and they have cost us considerable punitive damage. TransUnion seems to be finding a way to stall the solution by contacting the source who will not provide honest information. 

Maybe TranUnion should look at the other two agencies who have the dates reported accurate and remove this 10 year old information from my report.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (TX)

Two Navy Federal pledge loans were wrongly removed/blocked from my reports on XXXX XXXX XXXX I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to my report.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (MO)

I have repeatedly requested that Ad Astra Recovery Services Inc. provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-10-30
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fradulent addresses connected to fraud never lived there XXXXXXXX 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 Type of Fraud = [ Identity T
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (PA)

CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CREDENCE RESOURCE MANAGEMENT company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CREDENCE RESOURCE MANAGEMENT knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX at XXXXXXXX XXXX. XXXX ( XXXX at XXXX ) denied me my rights under the FCRA and CCRA to file a dispute of a Hard Inquiry placed on my credit report/file by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A inquiry that I did not apply for to receive a hard inquiry. The Manager at XXXX stated to me directly that XXXX XXXX XXXX is bigger than FCRA and CCRA, that the Sections of the FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( C ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, and FDCPA 809 ( b ) means nothing because our internal protocol out way all the sections you are stating. Now, by me being a victim of Identity Theft my claim nor my disputed should been denied.
Consumer complaint received 2023-05-08
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. (TX)

I have Federal Loan that were being serviced by XXXX who is no longer in business, I have disputed the accounts with XXXX XXXX, Experian, XXXX, XXXX, XXXX, each company keeps verifying these accounts as active and balances correct. XXXX phone is always busy and from a search it says they are closed. so how can they be verifying these accounts as correct, active with a balance when they don't. I've been disputing these accounts since last year when they were paid off and closed.
Consumer complaint received 2023-05-08
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. (GA)

I am writing you because I have sent out 3 certified letters to Equifax and XXXX on an account that is incomplete and inaccurate information on my consumer report. Each time its coming back VERIFIED and ACCURATE. However, I have studied and educated myself in consumer protection rights- Under FCRA it states whatever is reported to my credit report must be accurate and correct. In this case, it is not and I demand to delete this entire account immediately or I will file lawsuit because this FCRA violation. 

XXXX XXXX XXXX ACCT XXXX I have upload a image to show the inaccuracies on my consumer report. there's no way you can be on-time 30 days late In may 2022, 60 days late in XXXX, on time in XXXX, 90 days late in XXXX and then XXXX XXXX showing Collections. 

I DEMAND THIS ENTIRE ACCOUNT DELETE FROM XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

In XX/XX/2023, I sent out certified letters to XXXX, Equifax, and XXXX requesting to have proof of how they verified negative information placed on my credit report, and I have not had a response to my inquiry. 

As consumer reporting agencies, they are supposed to fully investigate and be able to provide proof of their investigations before they place anything on a consumer 's personal credit file, and I believe that they have not followed the proper investigation process before placing these items on my credit report.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, 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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (LA)

On XXXX I tried to made a payment to my mortgage company with my XXXX XXXX debit card on the phone with Western Union but I was told by the female representative that there was an error sending and to call back in XXXX minutes, in which I did and to just give my phone number, but was told by the second rep I had to give all my information again and was told I did n't have enough in my account. I know when I spoke with the first rep I had at least {$380.00} in my account and I wanted to sent {$300.00} that cause {$310.00} to be taken out of my account. XXXX XXXX said they sent it to Western Union and Western Union said they did n't receive it, now XXXX XXXX is investigating the matter which will take 45 - 90 days which leave me {$310.00} short.
Consumer complaint received 2023-05-08
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. (CO)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I have disputed a file with Equifax concerning XXXX debt recovery. Equifax has no debt validations on this. XXXX has my correct info, however when I call the company that they represent, " XXXX '', they have no record of me. Also Equifax is not reporting XXXX of my credit files. They are listed as an inquiry, however the items are not on my credit report. Also the files that are on my credit report only seem to update every 6 months or so. This is a horribly run company.
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My husband wrote a check out to Fifth Third Bank from his XXXX account to pay our mortgage. The check was solely intended to pay for the mortgage and is clearly noted in the memo (lower left corner of the check with my name and the Mortgage account number). Fifth Third Bank is holding these funds in my checking account, which is unfair! It is making my mortgage accrue interest and late charges that I should not be responsible for! Fifth Third Bank falsely (XXXX from the XXXX, Ohio branch) informed me today via telephone that the funds from XXXX were not available and if she made them available, I would be charged an additional fee. She ended the call with me shortly after that stating that she has "other customers waiting". I waited for service, too... My end result was getting hung up on. My husband called his bank and was told the funds were already cleared as of XX/XX/XXXX17. I want this resolved immediately and feel like I'm being taken advantage of.