davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (GA)

On XXXX XXXX, 2015 I called midland credit management. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that MCM sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.
Consumer complaint received 2016-07-03
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (AZ)

i received a american express prepaid card as a gift in XXXX 2015, unfortunately i did not get gift receipt with that.. i tried to use the card now and found that it had XXXX balance.. when contacted american express customer care, i was told they can not do much as it was a cash loading issue at the merchant place
Consumer complaint received 2015-07-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (MI)

Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.
Consumer complaint received 2017-05-16
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: Investment Retrievers, Inc. (CA)

These items appear on my credit report. Theses items were   discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED I  N Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  mil es away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as   XXXX   OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (OH)

My issue with this XXXX is that I keep having different continuing issues with this XXXX reporting inaccurate information on my credit report. They keep changing up the way they are reporting this debt, for which I have never had any sort of validation by they way, and all this started AFTER I originally disputed the account in XXXX through the credit bureaus after finding them on my credit report. Therefore, it seems to be some sort of retaliation or purposeful and deliberate actions on their part for me disputing and also filing a prior different complaint here. Now, they have begun to report the same old account that they have had for years and have been reporting for years as new and just assigned in XXXX to at least XXXX bureaus. They are reporting the date first delinquency reported as XXXX and if they just began reporting it even though they have been reporting it prior. Previous to my dispute and complaint they were reporting as placed for collection XXXX. Once I disputed, they verified the account with the bureaus, which as I 'm told by the credit bureaus only means that they verified the name and SS # not really verify the debt, and then starting to report it as closed. Then, a month later, as you will see from the attachment, they have started to report the account as assigned XXXX and date first delinquency reported as XXXX and open and reporting it as if it is a new account. They are trying to throw off the credit bureau 's system and impact my credit score negatively in a big way, on purpose. This is the same collection agency just reporting it differently, although they do have about XXXX different names. The name does n't seem to have changes on my report, just the dates and other things keep changing. I 'm assuming they are hoping that I wo n't notice it, if they report it one way for a month and then change it up and report it as new the next month. This debt is a very old debt they have had and reported for years and per their own claim on a recent report of mine, they were assigned it around XXXX and NOT XXXX like they are now reporting. I would like them to stop playing games with my report and stop with the inaccurate and deliberate incorrect reporting of this account.
Consumer complaint received 2015-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

World Omni Financial aka South East Toyota Finance has refused to correct the erroneous error on my credit report indicating that on XXXX and XXXX I paid my monthly car payment 30 days past due. Proof of XXXX payments were submitted to the Collections Supervisor by the name of XXXX XXXX indicating that the payments were made before the 30 days. Despite of the proof of payments XXXX XXXX indicated that they have records which indicate that it was made after the 30 days. I explained to XXXX XXXX that their website indicates that when payments are made on line on their website it indicates clearly that any payments made before XXXX time will be posted to that account holder that day. Those XXXX payments which have been reported showing over 30 days late, were paid before the 30th day which I have proof of. That was submitted to XXXX XXXX as well. XXXX XXXX confirmed that the website indicates such, however they had some type of technical error in their website. This makes no sense to me. What does that have to do with my situation? Their technical errors are costing me money. Do to their mistake I am not able to purchase a new car and obtain a good interest rate. My car payments have always been paid the same for the last 2 years, however they indicate on only XXXX occasions that it was later over 30 days which is incorrect. They took it upon themselves to choose what to report late or not. That is not fair to the consumer. It is wrong. I have spoken to them several times and they refuse to correct the error. I disputed it with the XXXX credit bureaus and they made no change because World Omni Financial indicates that I made the payments after the 30 days despite also submitting this correspondence to the credit bureau themselves.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Hillcrest Davidson & Associates (TX)

Disputed collection on account # XXXX. Account opened in XX/XX/XXXX by XXXX XXXX ( family member ) before I owned the house. I purchased the house in XX/XX/XXXX. They can see that the debt was not mine, have said so to me on phone, but will not remove from credit report. They are trying to get me to pay the debt.
Consumer complaint received 2016-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Thrift Investment Corp. (NJ)

I called Thift Investment Corp on Friday XXXX XXXX in an attempt to payoff my car loan. XXXX was the representative I was speaking to was XXXX. XXXX advised that my XXXX pay off would be {$5000.00}. I asked how that was possible when I am paying the car off an entire year early. XXXX was having problems reviewing my account history and said he was getting his supervisor 's assistance. He then said that I was being charged more because my account was over almost XXXX ovedue each month so I was being charged " per diem '' interest. I told him I did n't understand. Here are my calculations. The original loan total would have been {$14000.00} we made 25 payments of $ XXXX {$9500.00}. $ XXXX {$14000.00}. Why would we be only saving {$280.00} in interest if we are paying the car off 14 months early. The balance of {$5300.00} minus the 18.95 % APR should yield a savings of {$1000.00}. Where is this additional {$720.00} coming from? I asked XXXX if we didnt pay the car off and paid till the end would we get charged more at the end. He did n't respond but became belligerent I reminded XXXX that I am a customer and his response " no you are n't you are a debtor. '' I then asked for a supervisor XXXX 's response " You are going to get it far worse now you just wait. '' I am very concerned about this threat because not only does this individual have my personal financial info but also my address. I do not take threats lightly I am putting this in writing as proof that I am very concerned about my financial and personal safety since I was issued this threat by XXXX. When I spoke to the supervisor he was not apologetic at all, only saying he is sorry that I felt threatened. I attempted to review the account again with him but was way too shaken up to continue. My account balance online even shows {$4900.00}. The supervisor advised that that information was not correct.
Consumer complaint received 2016-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (MN)

XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. 

Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. 

I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. 

They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next.
Consumer complaint received 2016-10-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (AZ)

PennyMac has consistently mishandled my mortgage servicing since assigned to them by XXXX XXXX XXXX. The closing documents show a monthly payment of XXXX. In XXXX they sent me several notices requesting a payment of XXXX by XXXX XXXX for my first payment. XXXX calls were made to them to correct it and each time they said it was their mistake, stated it was corrected and they would send me a new statement. Each time the new statement showed the incorrect amount. Mind you this is my first payment after closing. Finally that issue was corrected, and I mad a payment that was posted to them from XXXX on XXXX XXXX 2016. Today XXXX XXXX I get a statement in the mail stating that they never received my payment even though I called and verified with them that they had. So they are threatening my credit with their incompetence and I guess I will have to hire a lawyer.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (TX)

Our home, had its roof torn off by a tornado on XX/XX/XXXX. My wife and I plus our XXXX dogs ( as well as other residents of the XXXX affected condominium buildings XXXX were evacuated by the police and fire department. We were briefed at XXXX about the situation and sought out temporary shelter for the night. We escaped with just the clothes on our backs. We had insurance for just such a disaster and found shelter. I notified our insurance company of the evacuation that night to start the process of getting a claim number. I notified Chase Mortgage, our mortgage holder, of the situation the next day at the open of the business day to let them know of the situation. I was told by the people at Chase Mortgage that we might be eligible for some type of relief, but that the mortgage would still be due on a timely basis. Aside from no roof being on our condominium, it was discovered that ASBESTOS contaminated the condominium. With the still frequent rains, mold started to grow on the exposed walls, and at one point, for a few days, the buildings were in danger of flooding. Right now, as of Monday, XX/XX/XXXX, we can not live in our condominium, but I have continued to pay my mortgage at the same interest rate as when my wife and I first purchased our condominium. So it seems I am paying for a residence in which we can not occupy, we are rebuilding our home, we lost everything, but Chase Mortgage has not given any relief to us nor offered any help in the rebuilding. Something seems very wrong about that situation. It may be that our home may not be inhabitable until after the first XX/XX/XXXX!
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX
Consumer complaint received 2016-11-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AK)

Chase Bank has refused to honor my promissory note which is my financial asset yet kept it beyond the midnight deadline. That asset is connected to my UCC # XXXX is seen as cash XXXX & XXXX. which I signed in front of and gave a copy to law enforcement Chase Bank policy not above the Arizona Law nor United States Code. 
Chase Bank would have had to return all the documentation given to it to avoid incurring liability. This did not happen. Arizona Revised Statute XXXX XXXX. 
1.A demand item, other than a documentary draft, whether properly payable or not, if the bank, in any case in which it is not also the depositary bank, retains the item beyond XXXX of the banking day of receipt without settling for it or, whether or not it is also the depositary bank, does not pay or return the item or send notice of dishonor until after its midnight deadline ; or 2.Any other properly payable item unless, within the time allowed for acceptance or payment of that item, the bank either accepts or pays the item or returns it and accompanying documents. 
I sign all my Private Bankers Notes ( promissory notes ) in front of law enforcement and give them copies so they know I am not doing any kind of fraud. I also include a card with every Private Bankes Note I create to the police department where the note is witnesses being signed.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is stating I have public records and delinquencies on my credit report, and this is absolutely false. I sent an ask for a copy of my credit report with the required copies of the information the requested, and I never received my free copy. Where Transunion is getting this information is I do n't Know! I tried obtaining it online, writing through the mail and there 's always an excuse from Transunion.
Consumer complaint received 2024-10-27
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: Experian Information Solutions Inc. (NY)

XXXX has several inquiries I neither authorized, requested, nor that culminated in any retail credit contracts on my personal credit report ( PCR ). 

XXXX XXXX XXXX XXXX ' ( undisclosed business type ) for XX/XX/XXXX were not authorized by me. 

There is no corresponding retail contract of sale nor extension of credit corresponding with these phantom entries, and I am unsure if they are actually some form of Identity Theft attempt. 

Coupled with an unrecognized inquiry by XXXX XXXX ( unknown entity ) on XX/XX/XXXX, I would respectfully request XXXX remove these unwarranted inquiries as per the US Federal FCRA, as they are in violation of 15 USC s/s 1681b ( permissible purposes ). 

Also appears as : XXXX XXXX XXXX ' and XXXX XXXX XXXX ' on Experian.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WY)

In XXXX 2016 my entire tax packed mailed by my CPA was stolen form the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. ( see copy enclosed ) I requested a 7 year Extended Fraud Alert from XXXX and they and XXXX place this on my credit report, and confirmed in writing. ( see copy enclosed ) Equifax has never responded in writing or via e-mail to my request for a 7 year Extended Fraud Alert. On XXXX XXXX, 2016 I sent a written affidavit requesting an Extended Fraud Alert to Equifax via Priority Mail. The mailing included a copy of my WY Photo Drivers License, Social Security Card, a Joint Banking Statement with my husband XXXX XXXX XXXX, and a completed Equifax Form requesting the 7 year Alert. ( See Copy of Receipt with Tracking Number ) Equifax never responded in writing or via mail once again to my dispute or request. On XXXX XXXX, 2016 my husband XXXX XXXX XXXX spoke with " Equfax, XXXX, XXXX ''. Equifax advised that only my husband received a Dispute Number XXXX, and because my information was included with his no action was taken by Equifax , or even an acknowledgement of my letter signed by me as a seperate individual. Equifax advised my husband they could see the scanned documents including my letter, photo id, social security number, etc. in file Number XXXX. Equifax advised my husband to have me call them direct, which I did on XXXX XXXX, 2016. I spoke with " Equifax , XXXX, Fraud Department '' on XXXX XXXX, 2016. She advised me I needed to send in a separate letter as Equifax would not respond to my dispute. Equifax advised me they have assigned Case Number XXXX to my dispute and they would only put a 90 day temporary Fraud Alert on my file. Equifax told me the IG US Postal Service Report was not a Police Report, and would not be excepted. I dispute the following with Equifax THEIR FAILURE TO WRITE OR EVEN RESPOND TO MY WRITTEN REQUEST FOR ASSISTANCE WITH PLACING A 7 YEAR FRAUD ALERT AS REQUESTED IN WRITING BY ME. I have a 7 year Extended Fraud Alert on the other XXXX major Credit Bureau 's XXXX & XXXX. I have submitted a Law Enforcement Report and Case Number to verify needed 7 year Extended Fraud Alert. Equifax has in their possession all information needed to comply with my request, and still is denying my written request. Please help me with Equifax Fraud Department as they are unresponsive to my request, and unreasonable.
Consumer complaint received 2015-03-19
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (FL)

I have a bank account with Ally my wife takes care of all our bank accounts we deposit a Ally and the freeze my account stating that I was depositing too many checks from her. Which I dont see why would that be a problem she is my wife we are trying to save when our pay check come in she write all the check to our billers and XXXX to our saving account. When I deposit the check again Ally freeze my account and they reason being is being I had too many checks coming from her. Then my account got sent to the fraud department and they lady name XXXX that they place over my account has been very rude and disrespectful towards myself and my wife it has been almost a month dealing with this case and every time we call into follow up she always act as through she has an attitude and do n't want to be bother with us. They still have my account lock and claim to ca n't find my deposit.
Consumer complaint received 2015-06-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/2015 called XXXX Trans Union to place Credit Freeze on my credit report. I was told it would cost $ 10- so I said I would give her my CC # and she said there was a {$1.00} fee to use the credit card. That was all she disclosed. I gave her my CC # and was told a credit freeze was in place until I removed it. XXXX XXXX, 2015 there is a {$17.00} charge on my CC # from Trans Union for I do not know what. I called them and was told I agreed to some sort of credit protection-I assured her I had not and she said I did that it is clearly stated on the web page-I told her I had called to place the freeze and she kept on about a contract. I have been a XXXX for over XXXX yrs ... ..I know full well and good when I have gotten involved with a contract and there is no contract. I told her I want my {$17.00} back and the account closed and she started to tell me some of the features. I already have fraud protection elsewhere-to cancel and refund or I would escalate this situation. Only then did she say she would close it but it was already paid for so no refund. I explained I would dispute with my bank. This is a credit reporting agency ... ... ... conducting fraud. I know the difference, I have seen it XXXX of times. Something needs to be done - this is inconceivable, who are we supposed to trust? This is a public violation of trust and has to be in violation of credit regulations. Please confirm this account is closed and this does not happen to anyone else. Thank you.
Consumer complaint received 2015-04-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NY)

I 'm working with XXXX and all my creditors know I 'm going through financial difficultly at this time. They all have been informed since XX/XX/2014. Chase Credit cards continues to call my work phone even after sending them a letter and telling them not too. I sent chase a certified letter stating to work with XXXX XXXX XXXX who are representing me. They know this and refuse and say it 's not in their policy. I ca n't receive and take calls from them at all. This is the number they use to call XXXX