davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

I am writing to address a recent matter concerning a debt allegedly owed, as filed by Midland Credit Management. I was surprised to learn about this debt, as I have no knowledge of it and have not been previously contacted regarding the matter. 
Upon reviewing the information provided, I understand that a court date has been set for XXXX. Before proceeding further, I kindly request that Midland Credit Management furnish me with the necessary details to verify this debt. Specifically, I would appreciate a detailed breakdown of the debt, including the original creditor, the account number, and any supporting documentation. 
It is my intention to resolve this matter amicably and ensure that any misunderstandings are promptly addressed I firmly believe that a resolution can be reached once the necessary information is made available to me. I seek to dismiss this Case
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

I have been disputing the Student Loans since I discovered the fraud by filing a police report in XXXX which I have provided and I have 2 court rullings in my favor on XX/XX/XXXX and XX/XX/XXXX for dismissal of the debt which both are directly linked to the current Federal Student Loans that are held with XXXX. 

I have provided all this information and documents in detail and XXXX keeps saying stating the same thing that is in their letter dated XX/XX/XXXXXXXX  that is attached. Once again they will not provide their fraud report nor consider the facts that I have provided. 

Again, XXXX needs to discharge these Fraulant loans and reimburse me for the payments I have made thus far which was made by me in XXXX  b/c it directly states on the discharge application that the individual should continue to make payments b/c they will be reimbursed if/when the loans get discharged and so I did as I did not want it to hurt my credit and then I was also dealing with the Judgement that I won on XX/XX/XXXXXXXX  which was filed aginst me in XX/XX/XXXXXXXX  but once again the ruling for the case was in my favor and dismissed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax documents- There is some confusion on the information that I provided to Equifax XXXX The address on page XXXX and XXXX XXXX is NOT Fraud and is 100 % accurate. Again those addresses are correct and should NOT be removed as Fraud. I provided those address to support my claim the loans with XXXX are Fraudlant b/c the address that I provided in XXXX XXXX  and in attachment " Credit Reporting Dispute Letter '' is where I was living during the time the Fraudulant loans were taken out and are currently held with XXXX. This can be collaborated with my School Transcript which I have provided many times. 

AGAIN TO CLARIFY ALL THE ADDRESSES ON THE LAST PAGE OF THE ATTACHMENT " CREDIT REPORTING DISPUTE LETTER " ARE ACCURATE AND SHOULD NOT BE REMOVED. THIS IS TO SUPPORT MY CLAIM Other Address 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX : Request to Correct Personal Information and Remove Inaccurate Data Dear Sir/Madam, I am writing to formally request that you correct and update my personal information on file and remove any outdated or inaccurate data. The current information listed is incorrect, and I would like it to be updated immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NV XXXX Email : XXXX Phone : XXXX Employer : XXXX XXXX Business : XXXX XXXX XXXX Additionally, I request the immediate removal of the following outdated or incorrect information : Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX Employers : XXXX ( as a separate listing ) Any other incorrect names, generational identifiers, or other erroneous personal information. 
Please confirm in writing that these changes have been made and that all outdated information has been removed from my credit file. I appreciate your prompt attention to this matter. 

Thank you for your assistance, and I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

Borrowed {$350.00} from Bigpictureloans in XX/XX/XXXX paid XXXX each month up to XX/XX/XXXX still have a balance of {$380.00}.
Consumer complaint received 2024-09-15
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. (AZ)

I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. XXXX, XXXX, and Equifax are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.
Consumer complaint received 2024-05-02
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. (NV)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc. (PA)

Received numerous calls from an Individual claiming to work for the credit bureau of Experian. Had a lot of my personal information, credit card numbers etc. full ssn number.

Asked why he was calling stated that he had someone trying to open an account in my name and ssn in Texas. 
Claims his name is XXXX XXXX employee ID is XXXX, phone number of XXXX. 
Continues to call asking me to verify other credit cards. 
How should I handle this? 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lima One Capital, LLC (OH)

Lima one has the mortgage on a rental property I own. In XXXX and XXXX they increased by escrow because they calculated the payment on my insurance wrong. After months of arguing with them they refunded the overpaid amount. Again this year they increased my escrow because of a miscalculation of the insurance. I have been requesting it be changed back to the proper monthly payment since the beginning of the year but they have refused to take action. They have requested my insurance documentation several times and it has been provided but still will not answer me on the resolution of the payments. XX/XX/XXXX will be the third month that they have charged me incorrectly this year. I have made the incorrect payments as not to default on my mortgage but I need some resolution with them.
Consumer complaint received 2024-08-07
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is now my XXXX complaint with the CFPB about predatory practices at Bank of America. 

I had a credit card from an old business that was charged off. As a part of my agreement, I understand that I am liable for the balance owed and that money from my personal account could be used to satisfy the balance due on the card. That is not my dispute. 

My dispute is that now on multiple occasions, I have filed a complaint and spoken with Bank of America, Regulatory Affairs, bump on a log, XXXX XXXXXXXX who last time we spoke said he was working on my case and would call me back. I repeated on I'm sure a recorded line, I want to set up a payment plan. I was told that if I set up a payment plan, Bank of America would not withdrawal my personal account down to XXXX. I never received any calls from XXXX, emails from XXXX or correspondence from XXXX  regarding my options after leaving multiple messages for him. 

Now I'm reading responses on the CFPB complaint that are essentially generic responses and LIES claimining I DECLINED a payment plan .... This morning I woke up to {$5200.00} withdrawn from my personal account and my rent is due today ... and my account is XXXX. 

I have filed a complaint with the Attorney Generals Office and will continue to file complaints about Bank of Americas predatory lies claiming I declined a payment plan which I would never have done - obviously I'm not sitting on a pile of cash with the ability to write it off losses on the backs of tax payers like Bank of America does. 

I'm not sure that the CFPB is useful as once I submit this complaint, XXXX XXXXXXXX, the loser he's been in resolving my issue... gets a copy and has a job to half-ass do, to not resolve it with a payment plan that I called confirming I wanted to set up and then put some generic trash response on the website so it looks like he did something for me, the consumer that is apparently being protected by the CFPD... 

We will see. If I could sue XXXX XXXXXXXX personally for the lack of action he took and the state of my account and now life today, I would.
Consumer complaint received 2024-08-20
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: CITIBANK, N.A. (NC)

A purchase was made from Best Buy. I never received item. They was contacted about this and was told from several different people from Best Buy they would refund my best Buy credit card acct. They never did this and and my account was charged off and closed. I had contacted the shipper and they informed me that Best Buy need to open a claim and they failed to do this. I have all the documents showing what I was provided from the Best Buy employees saying they would put the credit on my credit card and failed to do this. I have provided them with this and the credit bureaus of this. 


***I can Mail you all the documents showing all this if need be****
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

XXXX XXXX and various alternate employee of Portfolio Recovery Associates , LLC continue to call back to back and harass and intimidate as well as place me under duress with coercive tactics, claiming a business relationship exist and none does. This entity employee XXXX XXXX admits to participating in identity theft of my personal information and continued to demand I tell him my social security number and date of birth when requested several times to cease and desist. 

No business relationship exist with this entity or any of it's representatives or agents and there is no original note, contract or agreement with my authorization and or signature evidenced otherwise. This entity has likely reported negatively on my credit report with all three bureaus and made unauthorized inquiries in their pattern of corruptive practices including access to my XXXX XXXX XXXX XXXX Account constituting Fraud. This company in collusion with others are guilty of Frauds and Swindles which have caused me irreparable harms.

15 U.S.C. 1681-1681x18 U.S. Code 1341 - Frauds and swindles Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 1692-1692p.

805. Communication in connection with debt collection 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts 810. Multiple debts811. Legal actions by debt collectors 812. Furnishing certain deceptive forms 802. Congressional findings and declaration of purpose
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Details of the Complaint : XXXX. Summary of the Issue : I am writing to file a formal complaint against Credit Acceptance for their improper credit reporting practices during the COVID-19 pandemic. Despite entering into a payment accommodation agreement with them due to the financial impacts of COVID-19, they have reported my account as delinquent, which is in direct violation of the CARES Act provisions.

2. Background : - Pre-COVID-19 Account Status : My account was current before the COVID-19 pandemic. 
The attached transaction history will show that we made our monthly payments between the months of XXXX and XX/XX/XXXX - Accommodation Agreement : During the pandemic, I received email communication from Credit Acceptance indicating they were providing relief options. I contacted them and agreed to make half of my monthly payments as a temporary accommodation. ( Email is attached ) - Issues with Reporting : Despite this agreement, Credit Acceptance began reporting my payments late, starting in XX/XX/XXXX ( I believe this is contrary to the requirements of the Cares Act ). In my XXXX report, as of XX/XX/XXXX, they reported me as 150 days late which shows an outside reviewer that we were delinquent from XX/XX/XXXX during the accommodation period of the Cares Act. To date, my credit report still reflects that I am 180 days late, despite having adhered to the payment arrangement. ( See the credit report attached that reflects this ). 

XXXX. CARES Act Provisions : The CARES Act stipulates the following protections : - If an account was current at the time of an accommodation, the creditor must report it as current to credit bureaus. 
- If an account was delinquent, the creditor should maintain the delinquent status but not report further delinquency during the accommodation period. 
- Once the account is brought current, it must be reported as current. 

XXXX. Request for Resolution : We request that the CFPB investigate this matter and ensure that Credit Acceptance corrects my credit reports to reflect that my account was current during the accommodation period, per the CARES Act requirements. The incorrect reporting has severely impacted my credit score and financial standing.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NV)

GMC financial placed a the auditory mark on my credit for a late payment when payment was paid before 30 days of being late.I have proof that it was paid and GMC will not provide proof that it wasnt made.They have refused to answer my concerns and have even laughed at me when asking to speak with a manager.
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

In Referenced to XXXX XXXX I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (FL)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

The letters are stated with items and issues.

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 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

Progressive insurance continued to attempt to charge me insurance on a policy that was canceled since XX/XX/XXXX. They referred me to Caine and Weiner collection agency for a balance of {$400.00} which dropped my credit score XXXX points on XX/XX/XXXX while in the middle of trying to apply for a loan to save my business. I was waiting for my score to update on XX/XX/XXXX. I paid down my credit cards and lowered my utilization in order to guarantee an approval. However, due to progressives negligence I was unable to apply. Removing the derogatory has become extremely difficult and has hindered my loan process tremendously. When Im all actuality progressive really owed me money. {$3.00} to be exact.