davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I sent a letter to Experian to open a dispute for the XXXX XXXX Account ending in XXXX because the account is reporting inaccurately so Experian is in violation of the the law according to the FCRA ( Fair Credit Reporting Act ). No dispute has been started. They have not sent any proof of the account being verified or proof on how they were able to verify the account to be reporting accurately. They are clearly recording a violation of the FCRA. Along with the letter, I have sent a legible copy of an identification affidavit, drivers license ( front and back ), social security card copy, and a utility bill for proof and verification of myself. No credit repair company is involved, all documents have been sent from me, XXXX XXXX to the credit bureau.
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (WA)

I was a Wells Fargo customer and had a mortgage and auto loan account between XXXX and XXXX, and qualify qualify for damages as harmed by illegal activity, and a wrongful foreclosure. I have reached out to Wells Fargo and they day they have no record of my mortgage, however I spent close to seven years fighting them on a wrongful foreclosure in the state of Florida until XXXX. I ultimately lost my home and XXXX XXXX XXXX  of dollars, in addition to having to pay triple the normal interest rate on car loans and a future mortgage. Please help! 

I have attached 1 ) the letter that says they have no record of the account 2 ) payment history ( see page 3 for Wells Fargo ), and 3 ) response to summons for foreclosure action.
Consumer complaint received 2024-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

Debt was disputed and resolved around XXXX XXXX. This debt was removed from my credit report and the credit collection services confirmed that it was indeed removed on XX/XX/XXXX via phone call. Although the collection account was removed the CCS claim that it does not matter that it was resolved that way and that I will still need to pay them even though its not on my credit report. I reached out to XXXX  XX/XX/XXXX and they stated they would need information from CCS before removing the amount owed and then again, reached out to the CCS and they said they would need information from XXXX  before removing amount owed. So both companies are waiting to hear from each other about the debt being removed. Yet the CCS is aware it is no longer owed. When I disputed this debt in XXXX of XXXX and it was removed I never heard from XXXX  or the CCS until XX/XX/XXXX 6 months later saying I need to pay them. Its crazy how this debt is not on my credit report but I can be harassed to make a payment 6 months later.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

LexisNexis is reporting a public record to XXXX that is not correct ( Bankruptcy  XXXX ). I sent documents to LexisNexis on XX/XX/XXXX  ( case XXXX ) with a copy my police report and identity theft information to support blocking/removing the record per my right to have any information listed on the report as alleged fraud, promptly blocked so that the information can not be reported. 

On XX/XX/2024, I contacted LexisNexis Consumer center and was told the information was removed per my request and a new consumer file would be mailed to me. I received a new report dated XX/XX/2024 ( consumer # XXXX, dispute case # XXXX ) which showed the record being removed however, as of XX/XX/2024, LexisNexis is still reporting this information to XXXX and XXXX is saying they can not do anything until LexisNexis removes. LexisNexis is now telling me they have no record of my dispute and the record is now reporting again.
Consumer complaint received 2024-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

As of XX/XX/2024 I am being charged over {$50.00} per month on a bill of {$310.00}. 
Before I rec 'd any notification from this company ( Holloway Credit Solutions ) I contacted my dentist 's office to pay off this account and was told it had been sent to collections. It was months after this that I began receiving letters form this debt collector. I believe that I am being scammed by both the dentist and the debt collector or that they are in conspiracy to illegally profit from me.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (DE)

To whom this may concern My name is XXXX XXXX. I am the oldest daughter of XXXX XXXX, Legal Heir to the Estate of XXXX XXXX and Successor in Interest to said property. 

I am filing this complaint today against owner, holder, Servicers of the Note and Mortgage account of the account of XXXX XXXX, XXXX XXXX Backed XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX and New Penn Financial , Llc d/b/a Shellpoint Mortgage Servicing also known as Shellpoint Shellpoint has fraudulently administered another Sheriff sale on the Estate of XXXX XXXX without giving any warning to the Rightful owner of the said property, Schedule for XXXX XXXX I found out Friday, XX/XX/XXXX from a strange man calling my phone claiming to want to help me by buy my mothers house Shellpoint illegally post my siblings and I names and telephone number in the local new paper for nonpayment Violating our privacy and leaving us subjected to random calls all through the day and at inappropriate hours of the night, asking personal questions Shellpoint ( CSR ) is still Refusing to communicate with me/ ( XXXX ) about the Estate of XXXX XXXX Mortgage Loan account, saying Im not authorized to get information Mortgage Loan account by sending all time sensitive mail to my deceased grandmothers po box This complaint contains attached documents of proof and my explanation of these events Theres been mishandling of documents No precaution while preparing those documents Details are not carefully analyzed before making decisions Documenting misleading documents with no correction Distorting facts, processing forms with no relevancy to the Estate of XXXX XXXX Mortgage Loan account Not being truthful about required documentation need to gain access and be Confirmed as a Successor in Interest Violations of Privacy Data Breach By not Acknowledging and Confirming my ownership status by XXXX XXXX XXXX Shellpoint and affiliates made me/ XXXX XXXX ) oppressed and prevented me from having the same opportunities, freedom and benefits that other homeowners had during the Covid-19 Pandemic. 

Instead of helping Shellpoint used my lost of my Grandmother, hardships and disadvantages to administer a Sheriff Sale on the home I lived and paid the bills in and for way longer they have been Servicing the Mortgage Loan of The Estate of XXXX XXXX XXXX ( XXXX ) also feel like Shellpoint has tied and bound my hands Preventing me from honoring my Mothers wishes Preventing me from moving forward and acting freely to facilitate my obligations to the said property With Regard XXXX XXXX
Consumer complaint received 2023-08-15
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)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my 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 XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

I am writing to dispute an item on my credit report that appears to be associated with Midland Credit Management. After reviewing my credit report, I noticed TWO entries from Midland Credit Management, which I believe to be inaccurate and unjustified. The entries in question have the same account numbers, reporting TWICE. Acct # XXXX with 2 different $ amounts that are similar.

I want to make it clear that I have no contractual agreement or any business relationship with Midland Credit Management. I have never entered into any agreement, contract, or transaction with them, nor have I received any services or goods from them. As such, I dispute any claim of debt owed to Midland Credit Management. 

According to the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be included in consumers ' credit reports. Since I have no contractual obligation with Midland Credit Management, and have received no proof of ownership, including any documents with my signature, I request that these entries be promptly removed from my credit report. 

I kindly request that you update my credit reports with XXXX, XXXX and XXXX accordingly.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, 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. (CA)

This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX XXXX on XX/XX/23 is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TX)

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (GA)

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 15 USC 1681.

DEPTOFEDUCATION/NELNET : {$2000.00} {$1200.00} 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 a 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 2018-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

I have received a copy of my credit report and there is a debt listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/17. I did not attempt to open any accounts with XXXX XXXX.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

My son bought a XXXX XXXX XXXXXXXXCredit Appetence. He paid on for XXXX years. Loan was for {$17000.00} for XXXX years. He got in XXXX, I cosigned. XXXX the XXXX was totaled car insurance paid over {$14000.00}. He had already paid {$12000.00} on loan. They say I owe {$3900.00} for interest. I am XXXX new loan to get used car. They told dealership loan was over 180 days overdue that where going come get. That XXXX was totaled in XXXX insurance picked up when they totaled it. Need to get this off my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest compant has charged me more in interest than whats required contractually. Every month I am to be charged between XXXX per month in interest. They have taking a fee of more then XXXX % in interest out of my monthly payment and refusing to correct the account. Resulting and a year of overpayment causing inflation and refused to refund the credit back to account. I have asked and emailed servel times to make adjustments I never missed a payment. Ive always paid more then required as I called XXXX XXXX XXXX to make payment arrangements on XX/XX/XXXX I made a payment of XXXX via debit. I have proof Bridgecrest is lying because of the complacency in Cfpb not fully being involved to bring resolution to victims of companies such as Bridgecrest. Why did you lie on XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint # XXXX and say I was late on monthly payment and include private information to a federal office knowing that you would be penalized for providing false information. As far as missing payment Bridgecrest employees knowingly refused mailed money order and sent payment back to my home of record in which I have proof that I addressed my concerns before late payment status to include USPS tracking information. Also uploaded. So again what date was my payment late loud and wrong so busy trying to throw someone under the bus to cover your XXXX that Bridgecrest is the one who got exposed. Bridgecrest has lied on a federal level accountability needs to be made.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (TX)

In XXXX, I contacted Ally Bank regarding two unauthorized transactions : one for {$280.00} from a merchant named XXXX  and another for {$35.00}. After speaking with an agent, I was credited back both amounts. However, on XX/XX/XXXX, I noticed a withdrawal from my account for the exact same amount of {$280.00}. 

Upon contacting the bank again to address this issue, I was informed that they processed the withdrawal. The reasons provided were as follows : - Their investigation found no invalid PIN attempts before, during, or after the disputed transaction ( s ). 
- Their investigation determined that the disputed transaction ( s ) was consistent with either the general location, merchant, or other transaction activity that was not disputed during this time frame. 

I have requested that Ally Bank revisit this issue, as I did not make this transaction. Despite this, they have refused to investigate further and have withheld my money.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

This is starting to seem like a joke. Complaint # XXXX has not been address so its not clear why the complaint was closed. There were specific demands made in that complaint which has neither been provided or addressed. XXXX / XXXX XXXX is engaged in concocting and fabricating bogus defamatory reports with it delivers to various institutions to engage in discrimination. I demanded what information was provided by XXXX XXXX XXXX XXXX Bank XXXX This information has not been provided. I demamded also whatever this nonsense is that you fabricated and provided to various institutions to make false bogus decisions. If you again refiuse to provide the information, I will have to sue you to compel delivery of what is being requested. If CFPB is not an agency that enforces the XXXX, then make to phony claim to have such an obligation when the CFPB encourages these entities to be openly engaging in discrimination.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management [ XXXX XXXX XXXX, XXXX XXXX, CA XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Midland Credit Management, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Midland Credit Management has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Midland Credit Management promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Midland Credit Management to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Midland Credit Management , as provided under Section 616 of the FCRA. Done in good faith.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MD)

I requested a method of validation on XX/XX/2024. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.