davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (MO)

As of the date of this complaint I have received 100 emails, 156 telephone calls and 3 letters from MCM, Midland Credit Management. 
After speaking with someone the first 3 times this company called I stopped answering calls from them. They started leaving voicemails. Which so far have stayed civil. The phone calls start before XXXX XXXX and go until about XXXX at night. It has gotten to the point to where I am willing to have my phone shut off because of the constant calls. I never agreed to pay this company anything because my agreement is not with them. It is with the C.C company whom I have spoken with several times.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/year> my car was broken into and my wallet was stolen which had my credit cards, debit card, cash, driver license, and social security card. The person was able to use my credit cards. I called my bank and credit company to dispute the transactions and ordered new cards. Only XXXX XXXX did not dispute the transactions and sent the dept to collection company Midland Credit Management in the amount of {$3000.00} XXXX case number XXXX and {$2600.00} XXXX case number XXXX
Consumer complaint received 2023-03-17
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have identified several items that I believe are inaccurate, and I request that you investigate these items and take appropriate action to correct or remove them. 

Firstly, I have no recollection of authorizing the credit pull by XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, I demand that these inquiries be removed from my credit report. 

Additionally, several inquiries were made without my authorization, including inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. As these inquiries have reached the statute of limitations, I request that they be removed from my credit report. 

Furthermore, I dispute the accuracy of several accounts on my credit report. Specifically, I request that you verify the payment status, balance, comments, payment history, and account number for the following accounts and either fix or delete them from my report completely : XXXX ( account number : XXXX ), XXXX ( account numbers : XXXX and XXXX ), and XXXX XXXX ( account number : XXXX ). 

I also dispute the account reported by XXXX XXXX XXXX, XXXX ( account number : XXXX ) as I have no record that this account belongs to me. Therefore, I request that this inaccurate information be removed from my credit report immediately. 

Finally, I request that you investigate and correct the incorrect late payments reported on my XXXX ( account number : XXXX ) and XXXX XXXX ( account number : XXXX ) accounts. These accounts were reported as updated, but the same incorrect information is still being reported. 

Thank you for your attention to this matter. I expect a prompt response regarding the action taken to correct the inaccuracies on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX  and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions 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 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 XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. They have sent responses that appear to be automated and in no way have acknowledged my claim. I am a victim of American Express deceptive practices. By telling the SEC they are treating their investors one way, but the whole time clearly mistreating their investors. American Express clearly told the SEC in their Prospectus on page XXXX " We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system ' I Applied for American Express XXXX XX/XX/XXXX. I was denied and their response states they can not continue our processing your application due to your freeze on your credit report. 
The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), is the focal point for HHS Privacy Act administration, including the XXXX System XXXX XXXX XXXX XXXX XXXX ) and Computer Matching Agreements ( CMAs ). The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her. Prohibits disclosure of such records without the prior, written consent of the individual ( XXXX ) to whom the records pertain.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AR)

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  Re : Dispute of Account Information Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692c ) To Whom It May Concern, I am writing to dispute the accuracy of information regarding an account with MIDLAND CREDIT MANAGEMENT, as reported by your agency. This dispute is made under the provisions of the Fair Debt Collection Practices Act ( 15 USC 1692c ). 
Name on Credit 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 and found inaccurate information regarding my account with MIDLAND CREDIT MANAGEMENT. Specifically, the report states [ describe the specific inaccurate information, e.g., account balance, payment history, account status, etc. ]. 
Upon review of my records, I have confirmed that this information is incorrect. According to my records [ provide details supporting your claim, such as payment receipts, statements, or correspondence ]. 
I am requesting a thorough investigation into this matter in accordance with my rights under the Fair Debt Collection Practices Act. Please investigate this dispute and correct any inaccurate information in my credit report. Additionally, I request that you notify me in writing of the results of your investigation and provide a corrected copy of my credit report. 
Enclosed are copies of [ any supporting documents you have, such as payment receipts, account statements, or correspondence ]. These documents substantiate my claim and demonstrate the accuracy of my account information. 
Furthermore, please ensure that any corrected information is provided to all credit reporting agencies that have received this inaccurate information. 
Please acknowledge receipt of this dispute within 30 days and inform me of the actions taken to investigate and correct the information. You can reach me at the above-listed contact information if you require any further details or clarification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

They called my place of employment on Friday, XX/XX/year> and I told them we are not allowed to receive any type of personal calls here. They called again on XX/XX/year>. I told them DO NOT call my place of employment again.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NY)

I created an agreement with the company of Midland management to pay off my debt and clear it off my credit. I paid it off in XXXXXXXX XXXX XXXX  and they have yet to take it off my credit like they have agreed to do. 
This is slowing me down as a XXXXXXXX XXXX to succeed and move forward in life.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CARD Corporation (CO)

My wife received a text message on XX/XX/2023. 
The message read : CARD : XXXX Use this one-time verifi cation code to completesign-in. We'll never call, emial, or text you you for this code. Card : Welcome, XXXX! Stay up to date on your fi nances with our Premium Banking app. Easily download it here : cardpremium.app.link Last week ( XXXX XXXX ) we received a debit card in the e-mail, with a routing # and an account # listed in the letter. 
The sender address was : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX We suspect a bank account has been opened in my name. I would like the account closed. 

I visited the card 's website ( Card.com ). The website CARD ( premium back account by XXXX  ) had only one number I could find to contact them. In the FAQ section, there was an " Account Support '' number ( ( XXXX ) XXXX ). On calling this number, I could not go any further without entering my Social Security number. I did not want to enter this, and was stopped there. I have not found another way to directly contact these people. 

I have put a freeze on my Credit score with all 3 credit report companies ( XXXX, XXXX, and XXXX ). 

I have filed a complaint with FTC ( Feral Trade Commission ). 

I contacted my local XXXX XXXX XXXX  They suggested several courses of action. Filing this complaint was one of them. 

I have put out a Fraud Alert through XXXX.
Consumer complaint received 2023-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello good morning I have been trying to resolve an account that was opened fraudulently with Capital One for over a year now. 

They had removed the account and they added it back to my credit report stating that it was in fact me. I have sent police reports and mailed personal statements to the credit bureaus and Capital One stating that I have no knowledge of this account and that it was opened without my consent. I have disputed multiple accounts unfortunately because my personal information was stolen from me. A police report was made and the date is listed with the attached file. I have since put credit locks on my account and have done everything within my power to prevent this from occurring again. I have asked Captial One what proof that they have that was in fact me opening this account and they refuse to let me know. A woman stated " They can not tell me because of privacy '' I have had a XXXX number for over 8 years now. That doesn't make sense.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Equifax is obligated FCRA to report accurate accounting. Consumer advised ALL the inquires reported was fraud said company has XXXX days according to the LAW to remove said items.FTC fraud report was filed on behalf of the consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has XXXX days to provide me with name or person/persons spoken to, documentation used, signed application with consumer wet ink. Consumer is not asking for an e-oscor report.If EQUIFAX does not have documentation to show these were in fact authorized memes must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filling form XXXX XXXX forms to audit consumers account. EQUIFAX is securitizing consumers data yet refusing to provide consumer a copy of their CREDIT FILE NOT CONSUMER REPORT
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX,, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX XXXX DOB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I XXXX got a copy of my credit report as I was recently denied for credit. As I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. 
There are some inquiries reporting that I have no knowledge of. I have NOT given the listed companies permission or consent to obtain a copy of my report. 
According to Section 604 FCRA, any company that acquires a copy of my credit report as to have permissible purpose or proof that I initiated an inquiry. Please send me communication from these companies of what they consider permissible purpose as I am deeply concerned about who has had access to my credit file. Credit reports are indicators of a consumers credit worthiness and mine is incorrect therefore resulting denials. This is damaging to my financial reputation. 
I also understand that written authorization for all inquiries listed must be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these deleted immediately. 
If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. 
I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of, because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies don't have permission or authorization to request my credit report : Inquiry details
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-04-24
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. (OH)

I am XXXX XXXX, and I hereby submit a CFPB Complaint in response to your recent investigation. Your findings are unacceptable and demand absolute accuracy. It is evident that not enough was done to effectively reach out to the creditors reporting inaccurate information on my report. I demand immediate and comprehensive information on these items in question. Your failure to address this matter with utmost urgency will not be tolerated. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - It has come to my attention that this charge off account with a XXXX balance is still being reported on my credit file. As this account have already been paid in full, I demand that you investigate and remove the charge off status to prevent further harm to my credit score. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - I need to dispute charge off this account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendingPoint Holdings LLC (NY)

On XX/XX/year> I learned that debt collection agency known as XXXX XXXX XXXX was calling 3rd parties and harassing family members when they had a direct line of communication with me the primary party. They were given a cease and desist in this matter and still engaged in harassing these separate parties. Furthermore, XXXX XXXX XXXX refused to mail out the documentation stating the debt I owed, when I requested this information the supervisor there stated that he would only send it via email even after I responded with the fact that I do not own software that can view the type of attachment 's linked to the email, he also stated he would not spend a dime sending out a certified letter to ensure i received this information. More alarming was that on XX/XX/year> I entered into an agreement with them to pay certain amounts on certain dates beginning with the first payment that day in order to stop the abusive conduct from occuring regardless of wether i owed the debt. It came to my knowledge that the agency accessed my bank account and withdrew funds without my permission. This is a clear violation of the FDCPA Act. Included below is the ban transaction to which they illegally accessed.