davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

I pulled my credit report and noticed an account that I did not recognize. I disputed the account with a dispute letter referencing consumer law U.S.C 1692g Validation Of Debt. In the letter I asked for payment history, original purchase agreement and bill of sale. As well as start date close date. I would like this item removed off my credit report. Thank you
Consumer complaint received 2024-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (GA)

For the second time in a few months, our HSA account has been the subject of massive fraud resulting in thousands of dollars being withdrawn at ATMs using our debit card. We do not keep this card with us and it is only kept in a secured safe. This card has never been used or kept in any other location and Optum still has issues with it being used and swiped somehow. Now, when trying to contact their fraud department, we get transferred aliens and get nothing but technical errors when we get on the phone. They are experience some kind of internal breach and need to make users aware that there is an issue. I can not think of any way this keeps happening unless their systems are compromised.
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Aqua Finance, Inc. (VA)

I am writing in reference to recent conversation with the company on XX/XX/XXXX. According to our calculations, there is a significant discrepancy in the amount of money we owe. I was told over the phone of a {$2.00} a day fee I knew nothing about. I never would have agreed to those terms. I have repeatedly requested a copy of the contract that outlines the terms and conditions of our agreement. To date, they have failed to provide any such documentation. 

In order for me to fulfill any payment obligation, a legally binding agreement must exist, clearly detailing the services to be rendered, the agreed-upon terms, and the associated costs. Without a copy of the signed contract, I have no basis to verify the legitimacy of their claim or assess whether the services provided align with the agreed terms. 

I believe this to be a predatory company who is taking advantage of consumers. They have continued to attempt to withdrawal from my bank despite the fact that I asked them not to. until this issue was resolved.
Consumer complaint received 2024-09-12
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. (OH)

I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus XXXX XXXX XXXX, XXXX, Experian ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.
Consumer complaint received 2024-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (MD)

I called Navy Federal to complete documentation on the phone for a personal loan of up to {$50000.00} on XX/XX/year> with an interest of 12.29 % for 36 months, with a payment of {$1600.00} monthly. The loan was approved, but I questioned our score when we received the credit score in the mail. They informed us that is what XXXX sent to them. I called to confirm our scores with XXXX and that was not the score they have or the detailed information they have on file. I have spoken several times with Navy Federal, and they have since denied the loan. 
My concern is the credit information of my husband and myself being used to obtain a loan. This would have been a joint loan. XXXX reports my score as XXXX and my husband 's as XXXX. When speaking with one representative at Navy Federal, the statement was for a low score. We have too much credit and may charge up all the cards after receiving the loan. We pay off most of the charges monthly except for a mortgage and a loan for a water heater. 
If we can please verify our true credit scores, we would appreciate it. 
Thanks
Consumer complaint received 2024-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of York, Inc. (ND)

So again the total XXXX XXXX is trying to get from me is XXXX but the most recent invoices i received XXXX XXXX XXXX were only for XXXX. I have both new and old invoices and can send them. I've disputed multiple times and they always say it's valid and correct. The credit monitoring companies agreed to stop tracking medical debt under XXXX dollars and this case very much fits the bill but XXXX XXXX won't look deep enough into their own work to figure it out.
Consumer complaint received 2024-10-24
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: EA Holdings Corp. (NC)

There was fraudulent transactions made on my Consumber Report, There are two accounts from the same compnay clainimg that I have done business with them in the past, I have no knowledge or no record of these transcations taking place.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XX/XX/year> Cease and Desist Dear Resurgent Capital Services, Please cease and desist all communication attempts. This includes phone calls, text messages, letters in the mail, contacting my employer, my relatives and social media. Do not contact me at all! Any further communication attempts will result in legal action taking against Resurgent Capital Services for violating sections of the FDCPA including but not limited to section 805 Communication in connection with debt, 806 harassment and Abuse and section 809 Validation of debt. 

Best Wishes XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (TX)

They told me that it was a waste of my time to contact the original vendor to which the debt was owed. They said that the payment would HAVE to be made to the debt collection company in the case IC systems. Which is false and misleading. 

I was able to contact the original vendor and pay them directly.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I have received debt collection letters stating that I owe a debt of {$430.00} from XXXXLVNV Funding LLC , Resurgent Capital Services. This is a fraudulent account that I did not open and I have not purchased any items from XXXX. Someone else who is not me opened this account using my identity. The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As to the current date, I have never received ANY correspondence that I owed a debt to XXXX or XXXX, from XXXX to XXXX, until just recently this summer of XXXX. XXXX years later, I am just now being made aware that I supposedly have an outstanding debt from XXXX?!? I've sent Resurgent Capital Services correspondence back notarized and reported this debt to the Federal Trades Commission and they're still saying that I owe a debt and not accepting what I have already turned in to them. 
I have called XXXX to ask if they can give me information about this account that I supposedly have and they have said, I do not have an account open with them. 
I am reporting this as fraud and want any negative discrepancies removed from my credit, my SSN #, and my name cleared of any debts owed to this company as to the current date.
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: National Credit Systems,Inc. (NY)

This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them.

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely.

Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 30 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP (LA)

On XX/XX/year>, my XXXX XXXX received a summons in my name from the sheriff 's department. I read over the summons carefully. I had to make some phone calls to discover who they represented. The paperwork says they represent XXXXXXXX XXXX  XXXX I contacted XXXX XXXX XXXXXXXX XXXX. The representative told me that they do not hold my account, a Rausch Sturm Israel Enerson holds my account. A company that has never reached out via mail, phone, or email. 
They are not named in the summons. However, a Rausch Strum, XXXX is the attorney. I reached out to the email on the summons and to the email on their website early Monday morning, XX/XX/year>. It has been XXXX days and they haven't responded to me. 
I asked for copies of all supposed communication up until now. I asked for a copy of my notice that I had the right to dispute. I asked for a copy of the debt validation. Silence. Nothing from them.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P. (GA)

I have been corresponding with this company for years now and sent everything they asked for yet to get anywhere. This fraudulent account is still on my credit and has hindered me from getting new credit. XXXX and XXXX both has already deleted this account but XXXX is keeping this on my credit file without proper proof from the creditor or collection agency " XXXX XXXX and LVNV Funding/Resurgent ''. I've even sent everything XXXX asked me too including police reports of id theft and got not change. Here I am again making another report because I am getting nothing but a hard time from this collection agency. There are a few other companies that has got a hold of my information without my permission such as XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. They have been reported to the credit bureaus as well after I contacted them and got no information or proof. Please help me resolve this at once. Thank you.
Consumer complaint received 2023-09-21
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)

XXXX, Transunion, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . Transunion, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

AGAIN, MY CREDIT SCORE IS NOT WHERE IT'S SUPPOSED TO BE BECAUSE OF FALSE REPORTING OF LATE SUBSIDY MORTGAGE PAYMENT FOR XX/XX/year>. IT REMAINS THAT MY MORTGAGE PAYMENT WAS LATE FOR XX/XX/year> AND IT WAS NOT LOST. THE CHECK WAS SENT TO XXXX BUT XXXX LOST THE CHECK. XXXX XXXX XXXX XXXX HAD TO ISSUE ANOTHER CHECK. I GOT A STATEMENT FROM XXXX  STATING THAT THEY RECEIVED MY MORTGAGE PAYMENTS IN XX/XX/year> WITHOUT ANY ISSUES AND APPLIED THE PAYMENT ACCORDINGLY. I WILL ATTACH THE STATEMENT. I WANT THE LATE PAYMENT STATUS REMOVED FROM MY CREDIT REPORT. XXXX ALSO ADMITTED THAT THEIR SYSTEM WAS NOT RECOGNIZING SUBSIDY PAYMENTS WHICH WAS ONE OF THEIR ISSUES. THAT'S NOT MY PROBLEM AND CERTAINLY NOT THEIR RIGHT TO REPORT NEGATIVES TO THE CREDIT BUREAU.
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. (UT)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (RI)

This complaint is regarding my mortgage servicer Newrez LLC dba Shellpoint Mortgage Servicing and its unreasonable delay in processing my private mortgage insurance cancellation request. I have had to pay PMI for months that I believe should have already been cancelled while Newrez has failed to respond to my request in a timely fashion, and I see there have been many other complaints in the CFPB database on this exact issue. I submitted a request through my Newrez LLC online mortgage portal on or around XX/XX/year> to have my PMI cancelled based on the valuation of my home, and on XX/XX/XXXX I received an emailed autoreply letting me know that my request may take up to 20 business days for Newrezs Mortgage Insurance Specialists to fully process and complete it. I then received a letter dated XX/XX/year> requesting a {$190.00} payment for an investor-approved property valuation. I sent in a check following all instructions and it was cashed on XX/XX/XXXX. On or around XX/XX/XXXX, I followed up with Newrez via chat to ask about the status of my BPO. A broker contacted me on XX/XX/XXXX and came to assess my property on XX/XX/XXXX. On XX/XX/XXXX, I contacted Newrez via chat for a status update and was told they were missing the brokers report and that there might be a delay from the PMI department, but the customer service representative said they had escalated this to our concerned team to expedite the process. Neither that customer service representative nor another customer service representative I chatted with on XX/XX/XXXX would share direct contact information for the PMI department. The broker confirmed on XX/XX/XXXX that he had sent his report a while ago and would also resend it to Newrez. On XX/XX/XXXX, another customer service representative confirmed via chat that they had received the BPO assessment and that they are actively working on your cancellation. It shouldnt be too much longer to complete! I followed up again via chat on XX/XX/XXXX and the customer service representative confirmed again that they were actively working on it and said it will be completed in 5-7 business days. On XX/XX/XXXX, I chatted with another customer service representative who first told me they were still missing the BPO report, but when I asked them to check again they confirmed they had received it and said to please wait for another 5-7 business days. It has been five months and Newrezs delay is coming at my expense.
Consumer complaint received 2023-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (CA)

I applied for a personal loan of {$1200.00} on XX/XX/2022 to help pay with bills and child care. I was unemployed for some time and fell behind on my bills. I am a single mom and I found myself in a tight financial situation. I made my first payment towards my loan on XX/XX/2022 in the amount of {$160.00} and weekly ever since. I was under the impression that the interest on my loan would cap out at 35 % since that is the legal cap out in the state of California. I was not aware that this is a XXXX loan since I did online. I have already made 19 payment totally to {$3000.00}. I called customer service to see if I can resolve this issue. The customer service representative XXXX XXXX said I would have to pay {$1200.00} today on top of the {$3000.00} I have already paid. I find that completely ridiculous. Being a single mom I can not pay {$1200.00} right now. {$160.00} every week is just too much money. I feel like someone should have called me to let me know the full extent of what I was getting myself into. I dont want to take legal action I am hoping that I can just be forgiven for this loan considering I have already paid {$3000.00}.
Consumer complaint received 2024-10-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (GA)

I saw it was on my credit report and called immediately. Told me I could pay XXXX of the XXXX bill. I said no. The she stated I could pay XXXX of the bill and she would remove it from my credit report. I said no again and requested the original bill.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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. 


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 XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports