davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (NY)

I called in XXXX to close my account due to not using it and getting and email someone was trying to log into my account. In XXXX I realized they never closed the account because I got a bill I called to have it straightened out and the guy said he removed the charge and the account was closed. I just got another bill for this account and I called to ask about it and Im being told its a late charge for not paying the last bill when I payed off my card in XXXX and it should have been closed in XXXX!
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Unsure who this company is, every month the go back and forth by raising and lowering the amount supposedly owed by LITERALLY {$1.00}. It has been 2 years I cant get these people to stop. I dont have an account with them not have I ever, I have asked to see a contract that I signed with them and gotten nothing
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo wrote to me asking for proof of insurance coverage. I uploaded this information to their website : [ 1 ] XXXX website confirmation dated XXXX [ 2 ] XXXX XXXX XXXX XXXX XXXX with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo asking for proof of coverage between XXXX and XXXX. I uploaded this information to their website : [ 3 ] XXXX website confirmation dated XXXX [ 4 ] XXXX  dec page pdf, with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo, again asking for proof of coverage between XXXX and XXXX. This time, I called the number on the letter [ 5 ] XXXX phone call log from XXXX, where I called Wells Fargos Hazard Insurance Processing Center. I pointed the representative to the documentation that I had already uploaded that satisfied the requests. The representative agreed with me, said that they would update their system, and told me that no further action was required on my part & that I would not be charged. 

However, I received another letter from Wells Fargo saying that I was charged {$100.00}. 
[ 6 ] XXXX  letter from Wells Fargo indicating a {$100.00} charge for a lapse in coverage between XXXX and XXXX. 

I replied to all communications in a timely manner and provided satisfactory documentation, even getting confirmation from the Wells Fargo representative. I believe that this charge is unjustified, and should be refunded in full.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2024-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX my friend sent me {$300.00} on Venmo without purchase protection. My account was immediately frozen. I called the next day and it was because there was a - {$15.00} balance and I needed to pay back the funds. usually venmo will take it out of the balance, but this never happened. the person i spoke with on the phone said they have an error on their end of the system and they have to forward it to their engineers to fix. it is now XX/XX/XXXX and i have rent due, still no fix. They have stopped responding to my emails and can not give me a phone number for anyone actually " working on the problem '' I can not access any of my funds right not.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (MD)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (FL)

THE COMPANY DID NOT RESPOND TO ANY OF MY DISPUTE LETTERS WITHING 30 days According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX/DOFED ( XXXX ) - ( XXXX ) XXXX XXXX/DOFED ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2023-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (OH)

On XXXX I received XXXX XXXX from XXXX XXXX. It was sent to a collection agency XXXX XXXX XXXX. 

On XX/XX/XXXX I paid in full the amount I owed XXXX. There was a reduction in the debit if I paid in full and I did. 

On XX/XX/XXXX I received a letter from Revco Solutions Inc saying I owe XXXX for services from XXXX XXXX on XXXX. I told them it was paid in full on XXXX. 

On XX/XX/XXXX I called to inform Revco Solutions Inc. I want this collection to end
Consumer complaint received 2024-07-26
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

I have XXXX loans with Mohela. Due to a lump sum payment made on XX/XX/XXXX, loans XXXX and XXXX are in " prepayment status '' and do not have a due date until XXXX/XXXX/XXXX. I want to set up a customized automatic debit for the current balance due for loans XXXX and XXXX, with an automatic debit for only the interest due on loans and XXXX and XXXX. On XX/XX/XXXX I tried to set up the auto debit on Mohela 's website but they set it for the current balance due on ALL XXXX loans. This caused my payment to be greater than it has to be and more than I want to pay, so I had to cancel the auto payment. The only way to resolve this was to write a letter specifying the payment instructions and mailing it to the company. I wrote and sent this letter on XX/XX/XXXX and it was not reviewed by Mohela until XX/XX/XXXX. The auto debit is still not processed and this has significantly delayed the XXXX % reduction on my interest rates that I would like to receive. This caused XXXX  months of interest to be charged at the higher rates since I have not been able to receive the auto pay interest rate reduction and inconvenienced me greatly. Please see attached documentation.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( Equifax, XXXX, XXXX ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on my credit. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX, XXXX {$640.00} XXXX XXXX XXXX {$460.00} I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-11-15
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. (PA)

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 

The following personal information is incorrect. 

XXXX XXXX.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Today myself, my partner and my brother all recieved texts stating that I was being audited. When I contacted said number they introduced themselves as a lawfirm. XXXX XXXX XXXX I believe. They were stating I owed a debt to HSBC for close to {$3000.00}! Which is completely false. I have never opened a credit line with HSBC. Then stated the last payment received was in 2017. I am completely unaware of this debt until today, I have never even heard of this debt. I will be taking the steps necessary to dispute this debt and file and identity theft affidavit along with a police report. This debt is not mine and it is slander on my name and good credit. I would like a fraud investigation to be made asap. starting with the application process and ANY information pertaining to this account be directly sent to my address on file or cellphone/email.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX  decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as XXXX XXXX adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX  and XXXX XXXX.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Hello, I had set up an automatic payment account through my bank account for my crate and barrell/syncb credit card. I had the card to make a one time purchase and had set my bank account to pay the minimum. 

An error had occurred with my bank account which caused the automatic payments to stop but I hadn't received any collection calls from crate and barrell and assumed that the statements were current given the automatic payments. Also I had moved and was not receiving the statements to my new house. 

I realized this was happening in XXXX when I received a notice of judgment from a collection agency. The account had over {$600.00} in late fees. I paid the amount on the collection notice in full at {$1700.00} on XX/XX/2022. Then I received an additional notice which said I owed an additional {$79.00} which I paid the day I received it on XX/XX/2022. According to statements that payment ( which was entirely late fees ) was one day late and was charged another {$40.00} on top of that. Since then the account has been accruing interest on that let fee ( the monthly late charged stopped after the last {$79.00} was received ) and is now up to {$70.00} again. 

Again I have only been able to get information from the collection agency as I was very confused as to why I still had a balance. After reading that they should not have let the original late fees pile up to the {$600.00} amount, not only would I like the balance reimbursed and made {$0.00} but I would like reimbursment from some of the interest I had paid, Could you please request this from the creditor?
Consumer complaint received 2024-08-13
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I am writing to file a formal complaint against RANDOLPH BROOKS, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
RANDOLPH BROOKS, with contact information at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that RANDOLPH BROOKS has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against RANDOLPH BROOKS to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold RANDOLPH BROOKS accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.