davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WI)

Midland credit management calls me several times every single day. All time of the day, and they call from so many different numbers. A man named XXXX leaves me about 3 voicemails a day. I get a few emails from them as well. When I go to the website and attempt to log in it is a blank screen and does not tell me what I owe or from who and there is no option for me to make any payments.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-12
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: Experian Information Solutions Inc. (NJ)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

I have been abused by American Credit Acceptance for years now... I have a XXXX XXXX XXXX..original sticker price approximately {$16000.00}. To date I've paid {$33000.00} at ( 28.24 % ) $ XXXX ... NOW they say I STILL have 29 more payments!! I have paid DOUBLE what the car 's original sticker price was and an outrageous 28.24 % rate. I have made payments on time ( 95 % early ) ... I am currently and in good standing... there has to be recognition that I have been deceived and preyed on by ACA... for the past 1 year and 5 months while on a LOA from work Managed to make every monthly payment on time and XXXX XXXX insurance each month whilst my car sat in driveway only used for local errands. I've read about lawsuit brought by New York attorneys on behalf of people who had American Credit Acceptance as their lien holder for car purchases... AND i have NOT found one person who's case/situation was worse than mine ... percentage rate at over 28 % and paid over {$33000.00} to date and STILL AMERICAN CREDIT ACCEPTANCE claims I have 29 MORE PAYMENTS! (???? ) Please please help... I have just returned to work a week ago... I have experienced great stress and financial hardship caused by American Credit Acceptance 's predatory, deceitful and purposeful in their pursuit of greed.I want to hold American Credit Acceptance accountable for the outrageous percentage rate purposefully and knowingly my monthly income was ignored and sales agent at XXXX said he 100 % could make a deal with car purchase. I strongly believe I have one of the worst cases as far as being taken advantage of in every way possible. I am disgusted and have had enough of financial abuse by ACA and want an attorney to bring a lawsuit against American Credit Acceptance for the years of deceit, contradictions in " absolute statements '' regarding payments made and total number of payments remaining. I have been deceived... given erroneous and contradictory statements given by supervisors at American Credit Acceptance I look forward to any advice or help from your firm or American Credit Acceptance must be held accountable for the predatory abuse on me. Please respond asap. Thank you and XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My husband and I are trying to purchase a house. There was an error on our credit reports showing a mortgage with a delinquent balance long after the debt was XXXX in bankruptcy. I contacted XXXX Mortgage and provided them an additional copy of the bankruptcy documents and demanded an immediate correction. We then provided Experian with a letter from the mortgage account stating that they had made corrections and the debt was XXXX in bankruptcy in XX/XX/year>. Experian told our new mortgage company that they would not accept the letter from XXXX mortgage and the delinquency remained on our reports. Experian then corrected our report on the consumer side - the report that WE can access - but has not rescored our account on the report that the mortgage company pulls for loan qualification. We tried contacting Experian ( as did our mortgage company ) for the correction and were told that it was already corrected. As of today the report the mortgage pulls has NOT been corrected or re-scored. This is preventing us from purchasing a home. My husband and I feel like both companies have been in clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (KY)

Attached is everything I sent to the property management havent received anything back and will move forward to sue due to not removing this debt when I sent numerous complaints about this matter. Will file a police report did not know I can file a report if I dont know who did it.
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

XX/XX/XXXX RE : Not recognized/disputed {$XXXX} Collection XXXX originating from XXXX XXXX and XXXX XXXX XXXX Company ( XX/XX/XXXX ), debt purchased by XXXX XXXX. 

I have sent XXXX written communications ( via Certified and Return Receipt Mail, both verified as received ) to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX [ received/time stamped by XXXX XXXXXXXX XXXX and XX/XX/XXXX [ received/time stamped XX/XX/XXXX by XXXX XXXX. ] Per my XXXX XXXX Reports, particularly XXXX and XXXX, this XXXX is under Partial Account # XXXX, Address ID XXXX ( Amount seems to have originated XX/XX/XXXX ). As I have NO IDEA and do not believe that I have any involvement with this specific charge, I do not know the full Account # and XXXX XXXX has not responded with any information whatsoever. 

Per the Fair Debt Collection Practices Act ( FDCPA ) and my understanding of my rights, I requested the following information : XXXX. What is the amount of debt I am deemed to owe from XXXX XXXX and XXXX XXXX. Company? Please mention the address of the creditor along with the date of the transaction. 

XXXX. Please provide proof of the debt I am deemed to owe. Please provide copies of the purchase orders, invoices, delivery slips and or receipts. 

XXXX. Please provide me a copy of the last billing statement that was generated from the creditors account. Also mention the additional interest charges, if any, applied. 

I also made a simple and direct request to provide the following : Please provide your license number as well as the license holders name. 

The amount of the debt is not insurmountable but the principle of the matter is. I am not going to pay for an erroneous and incorrect debt applied to my credit reports. I simply requested information to clarify the issue on my end. 

On each request my full name, address, email, phone number and above information was supplied. 

Any support and assistance would be appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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: CITIBANK, N.A. (MO)

On XXXX I walked into home Depot to purchase a washer and dryer, up on speaking to an employee ( XXXX ) working in the appliance department I was offered a deal for a revolving credit card account with a soft inquiry by him. I proceeded with said offer as he is sitting behind a desk and computer asking for my information to process a revolving credit card account that he said is an soft inquiry as a credit pull. As I completed giving him my information I received notification that a hard inquiry has been made on my XXXX credit report. I was even told after the account was approved and a temporary shopping pass was issued by one of the managers ( XXXX ) for immediate use. The pass did not work the manager did not come up to check the situation leaving an employee to try and figure out what went wrong to no resolve. Over the next few days of visiting the home depot and not being able to use the product I finally find out from manager ( XXXX ) that employee XXXX has incorrectly submitted my information for a different type of account than what I was applying for. Manager ( XXXX ) told us sorry and he would have Regional Manager ( XXXX ) Who dealt with Home Depot/ Citi bank credit card issuers reach out and get the issue resolved, which to date has not happened. I ultimately had to spend hours at Home Depot and on the phone with City Bank trying to figure out who handles these kinds of issues with no one had answers. I reached out to XXXX via dispute in which this inquiry remains on my profile.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/scrub>, 2024, my XXXX was stolen while visiting XXXX. and my Wells-Fargo banking app was compromised. I saw unauthorized charges within hours, and I immediately contacted Wells Fargo to report Fraud on my accounts. Several Faud Claims were filed against all unauthorized transitions, and I was given claim numbers. Local authorities in XXXX, XXXX were notified ( Police report # XXXX ). My checking account is linked to Wells Fargo Credit Card. The bank processed XXXX unusual transitions that resulted in an overdraft. My checking account was credited with {$10000.00} which was used for all unauthorized purchases coming from my checking Debit Card. A wire transfer was then authorized for {$10000.00} to an unknown party/bank. Wells Fargo allowed these XXXX unusual transactions to be made without requesting additional confirmation, or tracing IP addresses, or considering previous account history. 


I received a letter dated XX/XX/XXXX from the Wells Fargo Fraud Department saying they would not reverse any overdraft charges and that. I received XXXX letters from XX/XX/XXXX saying that I authorized the charges that no error occurred and that the claims were closed. I went to my local WF branch and the branch XXXX, XXXX XXXX called Wells Fargo Fraud Department from his office phone while I was in his office to explain to them in detail the series of events. He said the fraud department asked for me to bring a letter explaining to Wells Fargo the details of the event. XXXX days later, I returned to the branch and brought the letter and a copy of the police report to be faxed to Wells Fargo Fraud Department. XXXX XXXX faxed it himself. Almost immediately, on XX/XX/XXXX I received new letters from Wells Fargo denying my claims. Ive been back to the bank, they will not explain the process for fraud claims, nor give me an email for the department, only deny. 

My account history shows that I do not make wire transfers, do not use my debit card for routine purchases outside of the US, and certainly not XXXX transactions in XXXX day. In addition, I do not have a history of overdraft and continue to make purchases. These were all very suspicious transactions that should have been flagged and required additional verification from me, but none of that protection was initiated or offered by Wells Fargo.
Consumer complaint received 2020-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CO)

TO XX/XX/XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TEXAS XXXX ( FAX XXXX COMPLAINT REGARDING SPECIALISED LOAN SERVICING FOR INCORRECT PAYMENT COLLECTIONS REGARDING A SECOND MORTGAGE ACCOUNT XXXX The above named SLS charged off a second mortgage account in XXXX reported it to all reporting ( XXXX, XXXX and XXXX ) credit bureaus as charged off Collections However since XXXX SLS has been collecting a charge off account as an active account plus charging additional fees to a charge off mortgage account. This has adversely affected our credit scores due to the derogatory reporting. 
XX/XX/XXXX we pursued to refinance our primary mortgage that is when it was brought to our attention to explain a write off charge as reported by SLS organization. FYI we monitor our credits reports yet SLSs this incorrect reporting was not visible to from all 3 reporting ( XXXX, XXXX and XXXX ) company. 
XXXX XXXX, We contacted SLS via phone XXXX to raise concern on the incorrect reporting. Customer Care Representative Mentioned an internal review with the collections department will performed and provide reason why a charge off account was still billed as active account From XXXX till XXXX {$9500.00} plus additional late fees XX/XX/XXXX Contacted SLS on status update Customer Care Representative. mentioned that on XX/XX/XXXX the issue was corrected however no supporting evidence was provided as SLS does not provide any follow up documentations XX/XX/XXXX SLS due to incorrect reporting and unresponsive process from SLS still has not resolved the incorrect reporting of a charge off account affecting the interest rates on new loan and the refinance mortgage process Request that SLS refund all charges from XX/XX/XXXX to XX/XX/XXXX for incorrect payments taken from us, update all credit bureaus with correct status of account plus the XXXX XXXX XXXX and provide written proof of corrections I look forward to your reply and cooperation to resolve this matter as requested. 
Sincerely
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Im deeply frustrated and disappointed by the ongoing neglect of my requests to correct the inaccuracies on my credit report. Despite my efforts to have these errors addressed, I feel as though my concerns have been completely disregarded, leaving my financial situation unfairly compromised.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (PA)

XXXX XXXX never mail me no notice to the debt of XXXX XXXX XXXX. 

Spoke to a rep at Credit Collection Services that stated to me they mail out certified mail. 

I never got any proof from Credit Collection Services of any such mail or post office confirmation Number of the certified letter by XXXX WAS rude as this debt by XXXX XXXX XXXX is not owed.
Consumer complaint received 2024-09-12
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Consumer complaint received 2024-09-12
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. (CT)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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.