davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I am a XXXX XXXX veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on XXXX/XXXX/2015 but was told not sent to legal dept until XXXX/XXXX/2015. Court is in a small town so should not be a problem of the court being too busy. 30 days is here and only get run around when calling. First you get someone in a foreign country that you can not understand and it takes up to 30 minutes to get connected to the United States to talk to someone that you can understand. I have only been able to talk to XXXX department that will not give number to legal department or transfer me. They took my money very fast but now I do not seem to be a concern to them any more. Not a good way to treat people. This could cost me the house and my earnest money when it is an easy fix. Wife very upset as I have severe XXXX. When told them today that I was not happy with their service they said it might be 60 days. Not a good answer! 

So any help is appreciated!! 
Thanks
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (SC)

I AM WRITING ABOUT AN UNAUTHORIZED UNSIGNED FOR CHARGE TO MY CREDIT CARD WITH AMERICAN EXPRESS CARD # XXXX, MY NAME IS XXXX XXXX. THE REASON FOR THE COMPLAINT IS I RENTED A CAR FROM XXXX FOR THE TIME PERIOD XXXX FOR A WEEK THROUGH XXXX. I WAS DONE WITH THE CAR A DAY EARLY AND RETURNED IT ON XXXX, A DAY EARLY. WHEN I RETURNED THE CAR A FRIEND WAS THERE TO PICK ME UP, THE CLERK THOROUGHLY INSPECTED THE CAR INSIDE AND OUT, SAT IN THE DRIVERS SEAT AND SPENT A GREAT DEAL OF TIME INSPECTING ALL ELEMENTS OF THE CAR, THE CONDITION, INSIDE AND OUT. 
AFTER ABOUT 10 MINUTES HE SAIDTHE CAR WAS FINE, I WENT INSIDE AND COMPLETED THE FINAL PAPERWORK, THE CLERK WAS VERY AMIABLE AND SATISFIED WITH THE CONDITION OF THE CAR. I CHECKED OUT AND LEFT WITH MY FRIEND. MY FRIEND WITNESSED THE INSPECTION AND CAN CONFIRM WHAT TRANSPIRED. WE LEFT. WHEN I RECIEVED MY CREDIT CARD STATEMENT FOR XXXX IN XXXX, I NOTICED THAT THRIFTY HAD MADE AN ADDITIONAL CHARGE FOR {$250.00} ABOVE THE XXXX ORIGINAL RENTAL FEE. 
AND THERE WAS NO EXPLANATION, THE CHARGE FOR THE {$250.00} WAS DATED XXXX TWO DAYS AFTER THE VEHICLE RETURN. I DID NOT KNOW ABOUT THE CHARGE, WAS NEVER CONTACTED ABOUT THE CHARGE, OR SIGN OR AUTHORIZE FOR THE CHARGE OF AN ADDITIONAL {$250.00}. I NOTIFIED AMERICAN EXPRESS AND TO DATE HAVE ONLY RECIEVED AN OCCAISIONAL EMAIL STATING THAT IT IS STILL BEING INVESTIGATED, I HAVE CONTACTED CUSTOMER SERVICE SEVERAL TIMES AN AM ASSURED THAT THE CHARGE IS BEING INVESTIGATED, BUT THE CHARGE HAS NEVER BEEN REMOVED. I WOULD ASK FOR YOUR ASSISTANCE IN GETTING THIS CHARGE REMOVED, I HAVE NEVER BEEN NOTIFIED BY THRIFTY OF ANY REASON FOR THE CHARGE OR ANY DEFICIENCY, I AM VERY UPSET ABOUT THIS, AS THE CHARE WAS MADE TWO DAYS AFTER THE VEHICLE RETURN, THE CLERK THOROUGHLY INSPECTED THE CAR UPON RETURN, AND AS I RETURNED THE CAR A DAY EARLY IF THERE HAD BEEN A DISCREPANCY OF ANY KIND AND WAS NOTIFIED ABOUT IT I WOULD HAVE HAD A DAY TO CORRECT ANY DEFICIENCY. BUT WAS NEVER NOTIFIED AT ALL OF ANY PROBLEM WITH THE CAR UPON RETURN. SCRATCHING MY HEAD ABOUT THIS AS AM A SENIOR CITIZEN, AM RESPONSIBLE, AND DO NOT SMOKE OR DRINK OR CARRY ON ETC. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PH : XXXX EMAIL XXXXXXXXXXXX
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Monterey Financial Services LLC (TX)

I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. 

Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. 

They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. 

I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. 

This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.
Consumer complaint received 2015-05-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

We sent in a package for the borrower on XXXX/XXXX/2015 to be reviewed for all modification options, XXXX, in-house, etc. Apparently, on XXXX/XXXX/2015, the borrower received an offer for a streamline trial modification with payments that were 49 % of the borrower 's gross monthly income. I, the Housing Counselor, was told that the borrower needed to accept or deny the offer, and would IN THE MEANTIME be reviewed for other options since they had the application on file. The borrower " failed '' the trial mod., because she chose to, and did n't make a payment, with the understanding that she was being reviewed for a more affordable option. I spoke to XXXX XXXX at Seterus, Inc. on XXXX/XXXX/2015 who said the application was received on XXXX/XXXX/2015 and they expected a decision to be made withing 30 days because file was UNDER REVIEW for XXXX and nothing was needed at this time. I was told on XXXX/XXXX/2015 that they had requested a reinstatement letter and no paperwork was needed and that they were waiting for approval. They told me to check back in in a week. I called today and spoke to a XXXX XXXX. He said that they show that no modification was being reviewed for currently and that the client failed the trial mod. YES, the client failed the mod. because she CHOSE to. It was UNAFFORDABLE. He said that he did see a package for XXXX, but it was n't being reviewed, and that I should call back in a week while they " update their screens '' and start to review the file. As far as we knew, the file was complete and being reviewed for XXXX. Also, there is NO single point of contact at Seterus, Inc. You call and speak to a different person each time and there has been no single person communicating with the borrower or working on the file, at least that we have been made aware of.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

I accidentally attached the wrong image to my last request so I am re-submitting it. 

We canceled the time share within the allotted time based on our contract. XXXX XXXX and XXXX both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA.

TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes.

Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA.

Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report.

Written confirmation that the correction has been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law.

Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX  XXXX  ) ( XXXX )
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC. (CA)

I have paid my account in full ( less than 30 days since receiving notice ), and I am still receiving multiple calls per day. Today I received a call from Pinnacle debt collection and told the person that I wanted to speak with the representative of the company that holds my maintenance dues in order to sort out why they are saying I owe more money than was paid. He refused to hang up and blocked my line from being used for outgoing calls. I would hang up and wait 30 seconds and pick up the line to call out and he was still there. This happened for over 20 minutes and I found it extremely uncomfortable and intimidating. I also realized that I was unable to call out if there was an emergency in my home.
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

I was told of debt not owed that I do not owe Midland Credit Management has bee using illegal tactics to file lawsuits against identity theft consumers there was no affiliation with these people what so ever past or present they have lied about debts not owed to them there are several lawsuits against Midland Credit Management for their illegal tactics.
Consumer complaint received 2015-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (SC)

MCM Midland Credit Management Inc. has purchased an old debt that is ten years old and trying to say they are collecting the debt. The FTC has already removed this debt from my credit history and I do not know how they got this information. I called them and told them this has been removed because of the ten year guideline and to not call me any more. They stated that this tactic will not work. I told them you will be hearing from the FTC. Please see this company understands that this debt has been removed and my credit report also states from beneficial paid as agreed. Thanks,,
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Third Dispute Complaint Regarding Inaccurate Late Payments Reported Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for an account I previously disputed. Despite multiple requests for correction ( letters dated XX/XX/XXXX, and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reporting on this account indicates a failure to conduct a reasonable investigation as required by the FCRA. 
TILA Violations Under 15 U.S. Code 1666b, creditors must provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement, which has caused unnecessary harm to my creditworthiness. 
Late Payments Reported The following late payments have been inaccurately reported : 30 days late for XX/XX/XXXX These late payment notations are incorrect and do not align with my actual payment history. These errors have caused unnecessary harm to my credit score and have not been corrected despite multiple disputes. 
Evidence of Error Although I do not possess payment records or correspondence from the creditor, the inaccuracies in the reporting are clear and should have been verified through a proper investigation as required under the FCRA. 
Desired Resolution To resolve this issue, I request the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation that the correction has been made. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as allowed under the law. 
Thank you for your attention to this matter. I trust you will handle this dispute with the urgency and accuracy it requires. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-03-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I originally financed my vehicle through Santander in XXXX. In XXXX I refinanced this vehicle through XXXX. 6 months after Santander accepted the payoff from XXXX they sent me a bill for {$450.00} saying that I still owed them a payment. I refused to pay because they released the lien and accepted the payoff and now it 's on my credit report looking like a repossession and is preventing me from getting a decent interest rate on a new loan. The vehicle has been completely paid off for 2 years.
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: First Associates Loan Servicing LLC (MA)

I am currently paying to XXXX XXXX XXXX on behalf of the XXXX. I have received a validation notice and other related information to setup payments with XXXX. I have received all information from both XXXX and XXXX monthly. Along with a payment statement from XXXX parties for the last several months. 

However, now another Debt collector 'Peaks Loans ' has started harassing my family and place of employment. I 've tried to talk to these people, mainly XXXX XXXX, to no avail. She did not have a professional license number and refused to give said address. They are very aggressive and insist they own all my debt. I never received a validation notice from this company. They are, in fact, not aware of any notifications that they should of informed me of. All they cite is that my former college and I signed " documents '' agreeing that they are the sole heirs of my debt. This is beyond false statement and they refuse to remove all contact information and to stop calling. 

Again the person, is XXXX XXXX at XXXX XXXX XXXX XXXX Peaks Student Loans. 
c/o Peaks LoanXXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be blocked and permanently deleted from my credit report as they are not authorized by me.

Fraudulent Accounts 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 Fraudulent Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a Hard Inquiry that I did not make XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This is a Hard Inquiry that I did not make XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This is a Hard Inquiry that I did not make XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This is also a Hard Inquiry I did not make Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these Hard Inquiry 's are showing up on my Credit Report and they are false and misleading because I did not authorize these companies to pull my Credit. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

At the last week of XX/XX/year>, I found out that my credit card statement had shown serval transactions XXXX XXXX XXXX {$400.00} XXXX {$100.00}, XXXX  XXXX XXXX # XXXX {$410.00}, XXXX {$400.00}, XXXX XXXX {$15.00}, XXXX XXXX # XXXX {$400.00}, XXXX XXXX {$150.00}, XXXX {$350.00}, XXXX {$400.00}, XXXX {$130.00}, totally of {$2700.00} so I called to dispute those transactions, which the bank had taken those from my balance, but then in XXXX the bank has had transferred those transactions back to my credit card balance and they told me that those purchasing made by credit card representing and chip on credit can not be clone, therefore I was the one who made those transactions have to responsibility for those transaction. I went to XXXX of Truist Bank branches and talked to XXXX of the bankers, and they agreed that I shouldn't be responsible for those transactions that I didn't make it, but they can not help me. So, I am hopeless to find someone to help from Truist Bank. The bank is continuing charges higher interest each month. I really do need help because it is unfair for me to pay for something I didn't purchase. 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( 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  )