davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (LA)

In XXXX of XXXX  I started a payment plan for XXXX  of my accounts with Midland Credit Management. Shortly after making a few payments, I reach out Via online chat to find out if I can have a signed deletion letter sent to me to have these accounts removed off of my credit report once they are paid. They said they can not send that to me until my very last payment is made but they will in fact send the XXXX  deletion letters for the XXXX  accounts once all accounts are completely paid. I asked if that was correct because I thought it would have to be done before the payments were completed, they assured they COULD not send them to me until all accounts were paid up. To my surprise after all payments were made, I never received the deletion letters. I did receive a letter stating the accounts were paid but never received the deletion letters. Recently, I was trying to purchase a home and notice on my credit report it is reported as " charged off as bad debt '' for both accounts which is noted as a derogatory mark and affecting my credit severely. I then reached back out to Midland Credit Management via online chat and asked for a copy of the previous chat log and they refused saying they do not record those messages. I then asked if I could get the copy of deletion letters for both accounts that was promised and they said they did in fact send letters and that they are not currently reporting this debt to the bureau. I did take a screen shot of this chat due to not being able to receive the copy of the first chat. I told them I did receive the letters stating my accounts were paid, however I did not receive my deletion letters. They just continue to say they are not reporting to the bureau which is not the issue at hand. I then took the next step to have a Verification of Debt Request letter made and sent for both accounts. I have received letters back basically stating the same thing, that I paid my accounts and they are not reporting to the bureau. I either need these accounts deleted off of my account or I need all of the information requested in the verification of debt request letters under the Fair Debt Collection Practices Act provided to me. Neither have been done.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (NE)

Tried to open an account with XXXX XXXX : Mobile Banking by First National Bank of Omaha thru their app on XX/XX/2024 and was denied. 
The reason it was denied is because it did not meet the bank 's requirements. 
" The bank requirements encompass several determining factors, including, but not limited to, personal information discrepancies or an inability to validate identity. '' When I reached out over the chat thru the app to ask for the detail of the discrepancies or which of my identity was invalid so it can be corrected, the bank unable to share that information due to privacy reason. 
It seems like their decision is final and nothing can be verified or corrected.
Consumer complaint received 2024-06-12
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. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I have sent this company multiple disputes requesting debt validation and they have refuse to respond with any valid documentation. Also company sent a bill but no valid verification and validation documents. This debt is not owed and this information reporting is incorrect. I request this account to be removed from my credit report in entirety.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

They sent letter stating will sue, if not paid. I sent letter asking for validation of debt and proof they had correct person since I never heard of either company. They send letter with amounts and name, but nothing else stating they do not have to. I sent another letter asking same thing, once again they sent same response, I sent another letter on XX/XX/19, they responded with another legal threat to sue since I asked to cease commutation, I never asked that in letters, I asked for proof they had correct person, and about debt since I never heard of either company. They have never sent any proof, or will not communicate with me information, just send letters stating will sue, and first letters never stated a debt collector. Their letters never address what I ask, and they state they have proved all they have to. Which is nothing. I never had an account with wither company or signed for any credit or loan with either company.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

I was on the private XXXX page of people who sell tickets. This guy called XXXX XXXX showed up offering the ticket I was looking for. He asked me for a deposit and I transferred the amount of {$50.00} to him, he asked me for my full name to transfer the ticket. He appeared to be a normal person on XXXX, as he has a photo with his wife and son. After transferring the deposit through zelle, he blocked me and did not transfer the ticket to me. I called my bank to let them know and they said they can't do anything. I have prints of the conversations. I already filed a report on the FBI website. The bank can find out who this person is, because they can get his information through zelle. This person can be dangerous, because he is using pictures of a woman and a child.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm reaching out regarding the measures that are calculated to factor consumer credit reports and scores. I don't understand how I can use my credit card today within 72 hours charges appear on my credit reports. In the same instance if I make a payment or pay down my credit card balances significantly, it's not reported until after 4 or 5 days past the billing cycle. 

How is it possible to have a system that is so flawed that it penalizes every consumer that utilizes their credit limits instantly. If the same consumer pays down their balance the information isn't reported until almost a month later! 

What is the system designed to penalize Americans rather than strengthen the economy by reporting true and accurate information. It makes no sense to have as many different scoring modules when attempted to utilize your credit worthiness. Shame on these companies that you operate credit worthiness in this manner while in the same breath you sell information to companies without permission. This greed in America is ridiculous and as a consumer I am sick and tired of it!!!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I contacted XXXX, XXXX, Experian and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

Experian and XXXX never responded. 

XXXX never responded.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

For MONTHS now I have tried to chat in and call in with Transunion and XXXX. Explaining to numerous customer support agents that I have no trouble logging in but I can not access any of their websites services. Meaning, I can not look at a current credit report or my credit score or dispute any new credit companies or debt collectors. I am a victim of the XXXX breach, XXXX breach, and the XXXX breach. I need to be able to look at my credit report and keep an eye on things as I have had my identity compromised by these issues. Yet both Transunion and XXXX keep telling me they've " escalated the issue and will get it fixed '' They NEVER do. I keep getting notifications of new credit added to my credit report but there's a fraud alert and freeze placed on all three bureaus. So, I am trying to figure out how this is happening!! I can not get access! Transunion and XXXX could be allowing fraudulent accounts onto my credit and I can't do anything to verify it because of their error.
Consumer complaint received 2024-04-09
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act capital one has violated my rights. Under 15USC1681 section 602, I have the right to privacy. 15USC1681 section 604a section 2, also states that a credit reporting agency can not furnish my account for any reason without my written consent. Under 15USC1666B a creditor can not treat a payment on a credit card account Under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (WA)

My name is XXXX XXXX. Flagstar has been my mortgage lender since XXXX. 
As of last month, I requested a payoff statement, which I received good through XX/XX/XXXX, in the amount of {$80000.00}. 

On XX/XX/XXXX, I had my bank wire the full amount. This morning, that same amount was redeposited back to my checking. 
It appears the payoff statement did not include the upcoming insurance premium that was paid 5 days after the payoff quote date. 

Flagstar Bank rejected an XXXX payment because of a negative {$260.00} balance caused by the insurance / escrow short payment. 

So. I am out {$25.00} for the cost of the wire transfer ( and another {$25.00} to resend a XXXX wire ) ; and then the new payoff that has been quoted today is approximately {$420.00} more. 

I am appalled that a financial institution would bilk a good paying customer for pennies! 

I made a {$150000.00} payment in XXXX, and then paid another {$80000.00} per their payoff statement only to have THE PAYMENT BE REJECTED IN WHOLE! 

Why did they not at least post my payment to the account? I was told procedure has it that if a payoff balance has been quoted, and the incoming payment does not match that of the current amount due when WIRE is received, it is to be rejected. 

I spoke with multiple people and each one gave me a different explanation as to why they didn't even accept the payment. My complaint was escalated to a supervisor ( who refused to give me her last name ; first name XXXX ). Very frustrating having a supervisor treat me as if I were not worth her time, nor to assist to correct their error. Why did they not include the price of insurance in their payoff quote. Was told it is listed on payoff- which is inaccurate, because what is listed is the current balance of escrow and a note of when next insurance payment is due. In my particular case, the escrow balance was {$1200.00} ; at the time no insurance payment was due. It came due tho, XX/XX/XXXX... 

This is a scam. They issued to me a second payoff quote today, that is now good through XX/XX/XXXX in the amount of {$81000.00}. The first payoff quote was for {$80000.00}. 

I asked them to provide me the payoff quote as of XX/XX/XXXX, and they sent it for XX/XX/XXXX. 
When I asked them to correct the date they advised they could only request XXXX payoff quote per day. I want to have this paid off as of XX/XX/XXXX... 

When I advised them not wanting a payoff quote for XX/XX/XXXX, their response was to make the new payoff quote amount and if any balance remaining after posting to account, they would refund within 20 days by check. 

Does this sound like an up and up deal to you?
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

I contacted XXXX, XXXX, Experian and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

XXXX never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

Experian and XXXX never responded.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synter Resource Group, LLC. (MN)

Synter Resource is trying to collect a debt from us that is not owed. The debt was sold to them by XXXX  XXXX for " redelivery fees '' that were incorrectly billed to us as we have no contract with XXXX  and we were the receiver and not the originator of the shipment nor the company who paid XXXX for the shipment. Our business was also open on the days XXXX is stating they attempted delivery and XXXX also stated they set up a shipment time and has an employee who has not worked here in over 3 years as the employee they talked to. All of this information has been provided to Synter Resource over the telephone as well as sent over and over to them via email since they are emailing every single day, and in their email they state " Or, if you have any questions, you may contact XXXX XXXX at XXXX x XXXX or via email at XXXX. '' I have not once gotten a reply to the emails I have sent. Synter Resource is not following through not providing any response to what I have sent them and continues to harass via email and phone calls.
Consumer complaint received 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hard Inquires for new credit were done on my credit report without my consent, I didnt approve for any of this, someone have being using my information for fraudulent purposes. 

The this of companies or banks that were use to request this credit/loans 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 2024-04-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (TX)

I am a covered borrower under the XXXX XXXX XXXX, as defined in 32 C.F.R. 232.3 ( g ) ( 1 ). Entering XXXX XXXX on XX/XX/2007, and serving. 

On two Upgrade loans, payments were rolled over this extends the terms, and more interest is charged. At no time is the interest rate allowed to exceed the XXXX XXXX OF 36 %, pursuant to 10 USC 987. 

Upgrade Inc., violates the MLA in ( 6 ) separate ways : ( 1 ) charging interest above the 36 % statutory rate cap for the Military Annual Percentage Rate ( MAPR ) ; ( 2 ) failing to provide any required MLA Disclosures before I signed for the loan ; ( 3 ) failing to verbally explain the MLA, which is prohibited by the MLA ; ( 4 ) Failing to include fees and prepaid interest paid to them within the MAPR calculations ; ( 5 ) Having an unknown attorney obligate the terms and sign for me in these loans issued to upgrade by another lender. ( 6 ) rolling over loan payments that extend the terms and charge more interest. 

According to information and belief, all Upgrade Inc. loans exceed 36 percent MAPR. Upgrade failed to include a Loan Origination Fee/Prepaid Finance Charge ( Paid to Lender ) in two of its loans to me. Processing fees are included in the MAPR calculation. Due to this, my loans exceed the MLA 's statutory rate cap of 36 percent MAPR. In addition, Upgrade Inc. loan documents are signed without my knowledge or authority by an unknown attorney. 

I am a Covered Borrower, subject to the MLA protections and limitations. A covered borrower is a consumer who, at the time becomes obligated on a consumer credit transaction or establishes an account for consumer credit, is a covered member of the armed forces or a dependent of such a member ( as defined in 32 CFR 232.3 ( g ) ( 2 ) and ( g ) ( 3 ) ). 

Upon my reasonable request to Upgrade management team to come within the Law, Upgrade failed to act and refused to act on grounds generally applicable to a Covered Borrower. This was in violation of the MLA pursuant to 10 USC 987. Therefore, these loans are legally invalid and void from their inception. 

Military annual percentage rate or MAPR is the cost of consumer credit expressed as an annual rate and shall be determined according to 232.4 ( c ). Moreover, computing the MAPR in closed-end credit shall be calculated following the rules for calculating and disclosing the Annual Percentage Rate ( APR ) for credit transactions under Regulation Z based on the charges set forth in paragraph ( c ) ( 1 ) of 32 C.F.R.232.4.

Any Upgrade Agreement with an MAPR greater than 36 percent is void. They must be rescinded with a refund of all amounts paid by me to Upgrade.

XXXX XXXX XXXX XXXX TIL APR 30.74 % MAPR Is 35.785 % with the three-rollover payment the MAPR becomes 39.124 %. See Exhibit # 1 attachment for evidence. 

Loan XXXX # XXXX TIL XXXX is 34.48 % and MAPR is 39.6 %. With the XXXXhree rollover payments the MAPR is 40.466 %. Rollover payments are illegal under the MLA.
Consumer complaint received 2024-04-09
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. (WI)

I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.