davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
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. (MA)

I am writing to dispute the inaccurate information reported on my credit report under the account with Midland Credit Management, account number XXXX. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. Additionally, 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information stipulates that if any item of information is found to be inaccurate or incomplete or can not be verified after a reinvestigation, it must be promptly deleted or modified, and the furnisher of that information must be notified. 

The following information on my credit report is inaccurate : - **Date opened : ** XX/XX/XXXX - **Status : ** Collection account, {$1100.00} past due as of XX/XX/XXXX - **Balance updated : ** XX/XX/XXXX - **Original creditor : ** XXXX Upon reviewing my records, I have found no basis for the account information provided, and I request that it be promptly deleted from my credit report. This disputed information is causing a significant negative impact on my credit score and is affecting my ability to obtain credit. 

Please investigate this matter and correct the inaccurate information or delete it from my file in accordance with the FCRA. Enclosed are copies of documents supporting my dispute : - Copy of my credit report with the disputed account highlighted. 
- Any relevant correspondence or records disproving the accuracy of the account information. 

I appreciate your prompt attention to this matter and request that you send me written confirmation once the investigation is complete and the necessary corrections have been made. This same alleged debt is being reported by XXXX. This is illegal. Midland Credit Management is trying to collect on the same account and they are both reporting how they were two different accounts and they are affecting my reputation with their bad practice.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (MI)

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Hunter Warfield INC : # 1 has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.
Consumer complaint received 2024-08-21
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. (VA)

I have to check my credit report on XX/XX/XXXX and notice this account from XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type installment Loan Type SECURED I have never applied for this loan and never I have I received any money from this company. I disputed with Transunion and they are saying the information is correct which is a lie because I never applied for this loan. I am only XXXX and do not even know my social security number. I have to ask my mother for it. And she has not used my social to apply for anything. I want this off my credit report. I can't get an answer from this company when calling.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (IL)

In XX/XX/year> our mortgage was bought by Mr. Cooper. We had no issues with XXXX when it came time to reassess our taxes. 

Since we've been with Mr. Cooper, while our taxes have increased by {$620.00} ( with our mortgage staying the same since we were moved to this company from XXXX ), Mr. Cooper is stating that our escrow balance is- {$3800.00} and that with our newly released taxes we own almost {$7000.00} in escrow and our mortgage will go from {$1800.00} to {$2800.00} starting next month. 

We have stayed in the same home for XXXX  years and we have NEVER had an escrow jump like this ever under XXXX. Now that we are owned by Mr. Cooper suddenly we are {$7000.00} in debt? Our taxes have only gone up {$620.00} from last year. Please, please look into this. I do not know how we are going to keep our home.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I submitted a Third-Party Authorization to Nationstar in XXXX 2017 authorizing them to disclose my mortgage information to my attorney 's office. At no time did I submit a " change of address. '' However, since then, Nationstar has changed my mailing address to my attorney 's office 's address and refuses to reinstate my actual mailing address, which is the address of the home. My attorney sent a Notice of Error on XXXX XXXX, 2017, but to date Nationstar has not responded. They are continuing to send my monthly mortgage statements to my attorney 's office instead of to me at the property address. My attorney 's office then has to forward the statements to me. I am afraid that I will miss a payment or be late on a payment because of this. There is no litigation pending so I am not sure why Nationstar insists on communicating with my attorney 's office only.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/XXXX I was decline paying for my hotel stay. XXXX XXXX  I attempted to withdrawal cash to service while looking for a job out of state. I selected the travel option on the customer service line. There was no reason to repeatedly flag small purchases. On XX/XX/XXXX approximately XXXXXXXX XXXX I visit a local ATM machine near the hotel extended stay. I was decline any withdrawal attempt. I called the bank and spoke with XXXX to verify my transaction activity, I ask was causes restricted flags on accounts. The gentlemen could not specifically explain. We then proceeded throu transaction verifying. After I verified no suspicious activity he said he needed to put me on hold while he remove restriction on my account. While he was doing that I walk to the corner gas station to make a withdrawal with no food in my room, I was hungry with a head ache. Upon arrival he asked again for my pin to account. I enter my info on the ATM and withdrawal was decline again. He then stated that there is some wrong with the chip. I noticed there was no error code beside that fact my card was just declined. The card is still in like new condition and the bank have constantly block me from getting food. I called the customer service a week ago so that they will have me on travel status there is no reason to consistently block me from getting food and paying for hotel stay. Please help me. My sleep patterns have changed for the worst. Last week when I was decline paying for the extended stay the rep constantly asked me the same questions about transaction after I was clear of verification including secret passcodes. Help the banks is forcing a legal consumer to detrimental well being. XXXX veteran benefits should not be withheld based on repetitive verification questions. Also, raising flags for restricted access for general activity can be used in the form of consumer spending management control for banks. 


Phone contact - XXXX XXXX - XXXX XXXX XXXX ext stay in XXXX. TN.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Subject : Discrepancies in Recent Account Statement Dear BOA Customer Service, I hope this message finds you well.I am writing to bring to your attention XXXX errors in my recent account statement dated XX/XX/2024. The details are as follows : XXXX. Autopay Error BOA Confirmation # : XXXX autopay setting for BOA credit card account XXXX processed a payment despite an ending balance of XXXX as of XXXX XXXX XX/XX/XXXX statement for BOA credit card XXXX shows an ending balance of XXXX. Despite this, an autopay transaction was processed. I called customer service on XX/XX/2024, to request a refund due to this system error XXXX XXXX. Human Error in Transaction Fees Reference # : XXXX incorrectly used my credit account to process a refund related to the error mentioned above. Shouldn't deduction of XXXX was made on XX/XX/2024, confirmed by # XXXX. transaction type as fees.? BOA let customers pay for their mistakes. Such errors should not occur and are concerning. 

XXXX. Unresolved Issue at Local Branch On XX/XX/2024, I visited my local BOA branch. one bank staff member assisted me in a conversation with the person responsible for the error, but he insisted there was no mistake. Additionally, I have found it challenging to file a complaint through the BOA online " Help and Support '' system, which only caters to merchant transaction issues and does not address internal system or employee errors. I kindly request a review and correction of these discrepancies. 

Thank you for your attention to this matter. Sincerely, XXXX XXXX Email : XXXX Phone/Text : XXXX
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Please send me all original transactions and documents stating this debt in balance XXXX XXXX XXXX  Account # XXXX I have filed a police report pertaining to this debt and information that you were not able to provide Report # XXXX Report type : Fraud Officer : XXXX Badge # XXXX
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NJ)

the goldman sach apple card support team or customer service team his hard to work with, they have a very high interest rate and the principal balances does not go down the interest rate has variable movements. pay more less interest rate pay less high interest rate. they have no team in place to help customer get back on track.
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

Sent company a letter requesting validation of debt, a contract with my signature authorizing the release of my personal and HIPAA information, as well as a cease and desist for all communication moving forward. Company has since failed to provide the requested information, are in violation of HIPAA laws, as well as failed to adhere to requests listed.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MI)

This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account. 



Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist. 



Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 



his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately. 



Best Regards,
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MT)

I have been trying to work with the original credit card company and asking to settle for only amount owed with no fees or to do a pay to delete. This company says they are working on their behalf so I asked about a pay to delete and have received no word. It appears the company has changed again as well.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

I got scammed last year, where in a person claiming to be from XXXX XXXX ( XXXX ) paid my auto insurance with XXXX, and asked me to transfer a portion of the money ( {$140.00} ) to XXXX by XXXX. I did so from my Chase bank account on XX/XX/2022, but then the payment to XXXX was reversed. I immediately reached out to Chase but was told they couldn't do anything since it was XXXX and the recipient bank did not respond to their request. This communication is attached. 
I also lodged complaint XXXX with the XXXX XXXX Police Department and was directed to file one with the MO State AG XXXX XXXX ) as well.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WA)

SoFi bank has locked my account and refuses to unlock the account and continues to be unresponsive or helpful in the matter. I need my money now! Ive spoken with XXXX and fixed the matter which involves the wire transfer deposit from my XXXX account to my SoFi checking bank account Ive spoken to a representative and got it fixed. I need my account unlocked immediately by SoFi. Ive submitted a claim before and SoFi became hostile with me with the representative I spoke with over the phone. XXXX is the account number for the checking and XXXX is the savings account number with SoFi. Ive handled the matter with XXXX about the wire deposit into the SoFi checking account which is the reason why they placed the freeze but the representatives refuse to assist with the matter. They say they are going to transfer me to a right department to only hang up on me 6 times. Im frustrated with the service and discrimination Ive faced from SoFi and want this situation resolved by releasing my money. This has been going on for 3 months now.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NJ)

I received a promotional marketing packet in the US Mail, indicating that I qualified for XXXX bonus miles into my airlines ( XXXX XXXX ) if I spent {$4000.00} within 90 days. I had a special registration code that I needed to use to sign up for this credit card. I followed through on my end by spending the required amount within the time period. I received XXXX miles into my XXXX XXXX account on XX/XX/XXXX, but I did not receive the additional XXXX due to my airlines account. I called the credit card company to dispute this, and a case number was created on XX/XX/XXXX to investigate my complaint. I followed up with the credit card company 3 times to get a status update, and I was informed each time that the credit card company acknowledged I was due XXXX total bonus miles, and that I hade met the requirements of the {$4000.00} spend within 90 days, but the company could not figure out why only XXXX miles were deposited into my airlines account. The representatives informed me to wait until my next billing cycle on XX/XX/XXXX to see if the additional XXXX miles were deposited into my airlines account. On XX/XX/XXXX, I confirmed that the additional XXXX miles were NOT deposited into my airlines account. I then called the credit card company again, and spoke with a supervisor named XXXX, who informed me that the credit card company had sent me a formal letter on XXXX indicating that the investigation into my complaint had concluded and the outcome was that I was owed XXXX miles but did not know when these miles would be deposited into my airlines account. XXXX gave me a confirmation # of XXXX to follow up. As of today, XX/XX/XXXX, I do not see the additional XXXX miles that is owed to my airlines account, and I am filing this complaint with this agency to resolve the matter. This is false advertisement on the part of the credit card company, and the company has gone to acknowledge that I am due the additional miles, and yet they will not honor their part of the agreement.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-15
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. (TX)

See my attached ID theft report. 
See my attached Notice to file suit. 
See my attached highlighted transaction proof for all accounts ( such as over 7 years, irrational transaction i.e showing charged off but after payments being made?? With a XXXX balance etc ) ALL OTHER REPORTING AGENCIES have removed these account factually found them incorrect & the companies came back with XXXX refuted evidence and you just keep the dispute open and it's been past 180 days since my first one.