davidheineman/consumer-finance-complaints-large huggingface dataset:
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: ENCORE CAPITAL GROUP INC. (LA)

These inaccuracies have been disputed consistently for two years and XXXX refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's or data furnishers are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to XXXX and Midland Credit Management via certified mail. I can only assume that I will get the same response I have for the past to XXXX years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (OK)

I applied to Synchrony Bank for an Amazon Store Card and was denied. The rejection letter ( email ) referenced a link to view Synchrony 's response and my personal information used to apply did not match the information requested to access the explanation. 


" Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. ( Details ) does not work, can not contact them via email or chat. Might as well be impossible via phone also. ''
Consumer complaint received 2024-06-08
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (MS)

Called into debt collection agency to verify what debt was on my credit file on XX/XX/year> and explain to the representative that I was not able to make a payment due to me not being at my desk. He kept harassing me to make a payment and would not let me get off of the phone. I explained several times I was not able to set up anything and he wouldnt listen.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (MI)

I have attempted to obtain my consumer file from Lexis Nexis since XX/XX/year>. I was asked to verify my identity on three separate occasions. Once that was settled, I was sent a letter with a pin to access my report online. The pin did NOT work so I had to reach out to them again ( the customer service rep also attempted to use the pin and verified it did not work ) and they said they would send it by mail. 

I have since reached out 3 more times because the report has not been received. Each time they have insisted it has been sent and will send another copy. It is now XXXX and I have never received this report.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I disputed many accounts that were removed with XXXX XXXX XXXX and public law 73-10 when a payment was made by way of promissory Note also known as the contract which is financed by the finance charge and my balance on my account was issued credits in exchange for the goods or services which means debt is the U.S Treasury bureau of public debts responsibility
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion 's website for freezing credit, if you are not buying for a pay-for service of theirs, keeps responding with an error message. Apparently, and if you XXXX this issue, you can not sign up for freezing your credit with TU unless you buy something from them. This is an ongoing issue according to several forums. XXXX and XXXX problem freezing credit but TU, without buying something, not able to do it. Aren't the credit reporting agencies required to let you freeze your credit without having to purchase a service?
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc. (OR)

We are writing to file a formal complaint against XXXX XXXX XXXX concerning their repeated and unlawful collection activities, which contravene the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, and XX/XX/year>, we received multiple collection statements from XXXX XXXX XXXX. Despite promptly responding to these statements, we were issued a debt validation on XX/XX/year>. However, this validation did not indicate that XXXX XXXX XXXX owned the debt. Per the FDCPA, we sent another letter on XX/XX/year>, requesting confirmation of the debt ownership. 

In their final correspondence, XXXX XXXX XXXX stated they are not obliged to disclose whether they own the debt. This response goes against FDCPA regulations, especially since I have an ongoing dispute regarding this debt with XXXX XXXX. 

The core of our complaint is that XXXX XXXX XXXX has failed to cease collections despite not providing adequate proof that it owns the debt. Their actions have caused significant distress and confusion. We seek the Consumer Financial Protection Bureau 's assistance in ensuring that all collection activities by XXXX XXXX XXXX cease immediately, allowing us to address the debt dispute directly with XXXX XXXX and pursue the cancellation of my contract with them. 

We appreciate your attention and look forward to a prompt resolution. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2023-11-03
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. (FL)

I'm writing to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/2023 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
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC. (PA)

Exeter finance refused to send notification that the vehicle was going to be repossessed. I found out when I tried to make a payment and the company demanded that I pay the full amount that was owed on the vehicle XXXX. They sold the car I didnt get a notification of sale. Then Exeter finance sold the account to XXXX XXXX XXXX ( Original Creditor : EXETER FINANCE LLC ) XXXX XXXX is reporting inaccurate information on my credit report.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

My wife and I have over XXXX Chase Ultimate Rewards points, listed on our Chase Sapphire Reserve credit card account. 
We had a business that failed and we filed XXXX  XXXX bankruptcy on XX/XX/XXXX. All of our Chase credit cards had {$0.00} balance and were in good standing at the time. Chase was not to be included in the bankruptcy since we didn't owe them any money. We thought our Chase accounts would remain open or we would receive notice from Chase to use/move the Ultimate Rewards points if Chase would close the accounts due to the Bankruptcy. 
On XX/XX/XXXX we couldn't see any credit cards on our chase online banking and could not log into Ultimate Rewards. We spoke to multiple people at Chase in credit services, collections, ultimate rewards and escalated to a supervisor in credit services. All said they couldn't reinstate the Ultimate Rewards points. 
I'm asking for an exception since all of our cards were {$0.00} balance and in good standing and the bankruptcy will not impact Chase at all. Can we get the points reinstated even for a few days so that we can transfer the points to partners?
Consumer complaint received 2023-05-10
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. (NJ)

In accordance with FCRA, this creditor has violated my rights. On the 15 USC 1681 sec 602 states that i have the right to privacy, 15 USC 1681 sec 604a sec 2 also says that a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I hope this letter finds you well. I am writing to dispute a hard inquiry listed on my credit report from XXXX XXXX XXXX, dated XX/XX/2023. And XXXX XXXX dated XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( b ) ( 3 ) ( A ) and the Fair and Accurate Credit Transactions Act ( FACTA ) Section 604 ( a ) ( 3 ) ( A ), I have the right to request information regarding any inquiries made on my credit report.

I have thoroughly reviewed my credit report, and this specific inquiry was made without my knowledge or authorization. As a consumer, I have the right to be informed about and give consent for any access to my credit information. The FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) states that a consumer reporting agency must have a permissible purpose and obtain the consumer 's consent before releasing credit information.

Given the above information, I kindly request that XXXX immediately investigate the validity and authorization of this hard inquiry and provide me with a written explanation within the time frame required by law, as outlined in FCRA Section 611 ( a ) ( 1 ) ( A ).

If it is found that the inquiry was made without my consent, I request that XXXX remove the inquiry from my credit report, as it is causing negative effects on my creditworthiness and financial well-being. Under FCRA Section 611 ( a ) ( 1 ) ( B ), inaccurate or unverified information must be promptly corrected or deleted from a consumer 's credit file.

Please provide me with a written response and a copy of my updated credit report after the investigation is complete. Additionally, I would appreciate any information you can provide regarding the source and purpose of the unauthorized inquiry.

I understand that you are obligated under the FCRA to complete the investigation within 30 days of receiving this dispute letter. Failure to comply with the FCRA guidelines may result in legal action.

Thank you for your prompt attention to this matter. I look forward to receiving your response and the resolution of this dispute. Please do not hesitate to contact me if you require any additional information or documentation to facilitate the investigation. 

Sincerely,
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IN)

Please send the attached request for information per RESPA to Nationstar. I am asking for a detailed breakdown of legal and recording fees to the account. I also asked for a re-calculation of the per diem interest, as I believe a mistake exist in the calculation.
Consumer complaint received 2024-07-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

My XXXX was going to end on XX/XX/XXXX, I had provided them a move out notice 60 days before including moving out on XX/XX/XXXX. I went to office twice to request them for inspection before we move out but both time they just said that no need to do inspection, pn the day of the move, you just need to handover the key to our staff and after that their technician will take a look and if need to do some work they will reduce it from security deposit, if not, we will send my security deposit. While I was moving out, I had two friends help me to move out and also check out and we didn't see any problem with the entire apartment and the carpet. On XX/XX/XXXX, I got an email from apartment management that they charged me {$1300.00} for Carpet clean/Repair/Replace. When I saw this I was shocked, and promptly sent an email requesting them for pictures and details of why they charge me a lot. I did a follow up on XX/XX/XXXX and on XX/XX/XXXX, I got a response from them that the carpet was replaced prior to my moving due to strong order they replaced the whole carpet. This was not true at all so I sent an email to them to clarify that the carpet was not replaced at the time of move and there was a different landlord/ management. 

After that first claim of new carpet during move-in, they also stated that there is wear and tear of the carpet, to which I asked them to send me the proof of the wear and tear ; at which point, they said that they had to replace the carpet because the carpet was dirty. In reflecting back, within the 7 days of moving into their apartment I have faced so many issues inlcluding a significant water leak in the entire unit from the sink and washer/dryer. This event entirely flooded and damaged the carpet, and it took roughly about 7 days for them to remove all the water from the apartment ; this might be the primary reason why the carpet was dirty while we moved out as the management didnt replace the carpet at that moment. 

After that on XX/XX/XXXX, I got an email from XXXX XXXX ( Manager of Landlord ) that accepting carpet was not new but replaced 1 year before my move in, now he is charging me for the rest of the carpet life. On the same day I sent him an email requesting a copy of the receipt for the carpet replacement and the professional cleaning attempt to ensure everything is accurate and justified. I did not get any response from him till XX/XX/XXXX. Now, while I am still in the conversation with the apartment about the debt, all of the sudden I got an email from the debt collector, the Resident Advocate for collection of the debt and trying to scare me so that I pay the debt. 

From the start of this incident, I just feel like the apartment is first trying to put me into pressure by making different story and lastly by getting the debt collector engaged so that i would be scared to pay the debt.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (MD)

I am back with a complaint about my accounts with Ally Bank its been over a month I havent had access to my funds and this bank still hasnt called to notify whats going on with my funds. Im just keeping reciepts of how many times Ive made complaints about my funds being held and me being unable to retrieve any information as to where my funds are and why are my accounts still blocked and some of my funds are missing from my accounts with ALLY bank this bank has to be a scam Ive never been treated so unfairly by a bank in my life and Im still frustrated being that I had to take out loans to feed my family since I cant have any access to my funds.. I will bring up all these matters in court and provide how many times Ive made complaints and still havent had any one notify me or unlock my accounts so that I can get my funds back.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC (FL)

I am a victim of identity theft. I don't recognize how this account is reporting on my credit report. 
I don't recognize the name account number, the account status, the account high balance nor to I recognize the late payments. 
There is no balance history, no payment history leading to the charge off the reported credit limit, high balance/charge off balance My rights have been violated.This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. ()

In XX/XX/XXXX, XXXX XXXX XXXXXXXX unilaterally closed my checking account. The bank explained that it has such a right according to the agreement. 
In XX/XX/XXXX, XXXX XXXX  closed my checking account in the same way. In both cases, the banks did not ask me about any suspicious transactions and did not ask me any questions. 

In XX/XX/XXXX, I tried to open accounts with the following banks : XXXX XXXX, XXXX, XXXX. And I got rejected everywhere. I assume that there is negative information about me somewhere. But I do not know what kind of information it is. 

I am deeply convinced that I have never engaged in any criminal activity or participated in questionable operations.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

Mortgage was recast from an Interest Only ( Non conforming ) to a conforming. Lender Wells  Fargo serviced by XXXX XXXX XXXX XXXXXXXX XXXX denies a recast based on clause.
Consumer complaint received 2024-06-14
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. (NJ)

PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-14
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. (AR)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-23
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. (CA)

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT XXXX XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-06-14
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: Adler Wallach & Associates, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Saint Louis Missouri Laws Dear AWA COLLECTIONS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft and fraud laws, specifically Missouri Revised Statutes Section 570.223. 

It has unequivocally come to my attention that AWA COLLECTIONS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri Revised Statutes Section 570.223 establishes clear guidelines for the protection of personal information and the severe consequences of identity theft and fraud. 

I assert with unwavering certainty that I have not provided consent for AWA COLLECTIONS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AWA COLLECTIONS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AWA COLLECTIONS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.