davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I DEMAND Midland Credit Management to immediately CEASE and DESIST all Collections actions with me. I confirm that I received a written communication from you dated XX/XX/2024. Where in you make a reference to the above captioned matter. It is apparent that you are acting on the presumption that we had a contract or agreement. I am unaware of this contract or agreement between Midland CreditManagement and XXXX XXXX XXXX. I dont understand how to respond to you in as much as I am unaware of any contract relationship between us.Collection activity includes furnishing any information on this subject matter to any consumer reports, There should be no publication or advertising of any kind until the dispute is resolved pursuant to 15 U.S. Code $ 1666a ( a ), 12 CFR 1006.6 ( c ) ( 1 ), 15 USC 1692 ( c ) c and FederalDebt Collection Practices Act ( FDC PA ) .15 U.S. Code 1692e.Aggravated Identity Theft and they are in violation of Federal Debt Collection Practices Act ( FDC PA ). 15 U.S. Code 1692e - False or misleading representations and multiple violations of Federal Debt Collection Practices Act ( FDC PA ), violation of Privacy, fraud, False or misleading representations, Defamation of character, extortion, mail fraud, Slandering, Libel and Racketeer. debt. A debt collector does not have the right to communicate without a prior written consent period. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) does not state that such a consumer owes any debt. I DEMAND Midland Credit Management to immediately CEASE and DESIST all Collections actions with me. With this notice, under the law, you can now only contact me to : 1. To advise me that your company further efforts are being terminated. 2. To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LoanCare, LLC (NJ)

XXXX XXXX. 
XXXX XXXX XXXX XXXX NJ XXXX XXXX You are direct violation of the fair credit reporting act ( loancare XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 clearly states that I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these/all late payments and update these accounts immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (MO)

I have had ongoing problems, already reported to you last month, regarding Ally not taking the payment set up on the autopay that I have created in XXXX XXXX Every month, I receive emails from Ally advising me that they didn't receive my payment, then adding late fees and other fees to the account. Every month I have called them to get this resolved. And every month, I have to call 4 times to get someone to take actions. And every month the agents tell me that I had canceled the autopay, when I did no such thing. This company is failing and refusing to fix their problem or look into it, making this intent to cause XXXX to my well being, including XXXX health and XXXX health by blowing the issue off. I should not have to call them every month because they are refusing to take the payment. I use the autopay with my other credit card companies and don't have any problems. So, instead of taking my payment, they are refusing to take my payment, which is against the debt collection acts. I want this company to write off this debt since they are failing and refusing to fix the problem. They don't know what customer service means, it doesn't exist in this company. No one should have to go through the abuse that I am going through with Ally Credit Card XXXX, NO ONE. And them stating that they were looking into the issue is a lie. They don't care about how they treat their customers, on the phones or when it comes to taking payments.And I also always have problems trying to log in to their system. This is beyond not acceptable. FIX YOUR SYSTEM NOW.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage is not resolving the issue with my loan account and their rep are not trained well. Today when I call their rep at XXXXXXXX XXXX MST and Rep whom I talked was deliberating trying to show that he did not understand my problem. It seems that he was showing a XXXX behavior as I am person of XXXX XXXX  Many times I had call them and had written to them and still the loan amount date settlement issue is there. My loan was transferred from XXXX mortgage to Freedom mortgage. XXXX mortgage told they have settled everything from their end.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NC)

i'm a victim of identity theft and today XX/XX/2024 i logged into my credit file to get a new updated credit report and noticed that after several disputes CAVALRY PORTFOLIO SERV is still intentionally reporting a fraudulent debt of {$410.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CAVALRY PORTFOLIO SERV or anyone they are collecting for, I do not wish to contract or do business with CAVALRY PORTFOLIO SERV. i have requested all all itemized transactions and statements so i could investigate CAVALRY PORTFOLIO SERV has not sent me anything.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been paying off of this credit card for several years now I finally made my last payment and all of a sudden they say that a payment bounce from my understanding. I canceled the payment and rescheduled it for another day. I dont see where this payment had bounced. I would like for this last {$68.00} to be forgiven and for the account to be closed I have given capital one more than enough money and they should me with this last payment. Enough is enough. They have charged me more money with interest in late fees than the bill itself that account has been closed for several Im still paying off this account.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2023-04-29
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. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;
Consumer complaint received 2023-04-29
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: Fidelity National Information Services, Inc. (FNIS) (PA)

Reason CodeDescription1.XXXX XXXX XXXX INQUIRY ACTIVITY2.XXXX XXXX XXXX INQUIRY ACTIVITY SAME FI Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX  XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX  XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX Event ID Type Source XXXX Inquiries Viewed Only by You XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXXXXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX XXXX Inquiries Viewed Only by You XXXX XXXX XXXXXXXX Inquiries Viewed Only by You XXXX XXXX XXXXXXXX Inquiries Viewed Only by You XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX Event ID Type Source XXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXXXXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXXXXXX Inquiries Viewed by Others XXXX XXXX XXXXXXXX XXXX XXXX Inquiries Viewed by Others XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-17
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. (MP)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (PR)

I reside in XXXX XXXX. We were hit by a XXXX in the month of XXXX. Goldman sachs Apple card sent me an email on XX/XX/XXXX to inform that I had been enrolled in the XXXX XXXX XXXX. The perks of this program ... XXXXyou may skip the payment due on XX/XX/XXXX and no interest would be charged in the XX/XX/XXXX statement. I paid the balance in full on XX/XX/XXXX ( prior to the statement date ). To my surprise XXXX am bein charged {$100.00} in interest. Twice I have made a claim and twice i have been rejected. The representative refused to explain why theclaim had been rejected even though she read the email they sent me
Consumer complaint received 2024-03-13
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. (NC)

in the past i've been the victim of fraud and identity theft. I've sent multiple police reports and multiple ftc reports to TransUnion to have hard inquiries removed. about a month ago I requested to have all of them removed and they are still reporting on my credit file
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2024, I was XXXX {$200.00} from someone I know personally. The XXXX  payment was done in front of me, and consensually as well. After this, I came to find out that this individual went ahead and called his bank and reported the XXXX payment as fraud due to this my entire bank account was frozen. In fact, this payment was not done fraudulently, and I have also tried to talk to my bank about this. The bank has been very unhelpful. I even tried to tell them, I do not need the XXXX take it back, but please just unfreeze my bank account. My paycheck from work was deposited into the bank account, which is frozen. I have no access to any funds, and i am very helpless. I am not able to buy food or pay my bills. If my account is not unfrozen, I am also running the risk of being homeless as i will not be able to pay rent or be able to go to my job. Chase bank has not been helpful or given any information to me at all.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC (SC)

I was aware, especially after mandated flyers were sent repeatedly by the servicing company, Specialized Loan Servicing, that auto-termination of the PMI on my mortgage would happen XX/XX/XXXX of XXXX. I waited a month or two to reach out after I realized that this wasn't going to happen automatically. The company said they would look into it, however they promptly transferred my mortgage to another servicer. I believe they broke the law and they do owe me for the PMI I have paid after it should have been terminated automatically by reaching 78 % of Original Value.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc. (OH)

I called in XX/XX/XXXX and was told to verify my debt of {$1200.00} with the original debtor and/or Insurance company. Neither one could give me a bill or procedure that was done. Somehow Fidelity Collections was able to verify through the collection agencies, but I was never given any debt validation from them. 

I called XX/XX/XXXX and talked to XXXX XXXX and asked for validation again. I was told a balance of {$1200.00} from the hospital and was told I would receive verification of the debtor and amount but nothing else. XXXX told me to call the original debtor and Insurance company to find out the details. I have not received anything from Fidelity Collections and the hospital and insurance again confirmed they can not get me records for that date and or amount. 

This matter is hurting my Credit Scores and I have no way of clearing it up with the hospital and or Insurance. XXXX XXXX and Fidelity Collections is refusing to remove this item from reporting to credit scoring companies and help resolve the billing.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX Experian and XXXX have violated my rights by using in accurate and inconsistent information across the 3 bureaus. From dates open to incorrect balances nothing is making sense, and I am asking that all accounts be deleted .According to the consumer financial protection bureau and by law the fair credit act 15 U.S.C . Sec. 1681i ( a ). That if you can't provide proof and if the information is inaccurate, these accounts must be deleted.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 Remove these inquiries from my XXXX XXXXXXXX XXXX XXXX  Remove these inquiries from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-04-08
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)

THESE ACCOUNTS ARE NOT MINE : XXXX XXXXXXXX ACCOUNT NO. XXXX BALANCE : {$5800.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE {$24000.00} XXXX XXXX ACCOUNT NO. XXXX BALANCE : {$0.00}
Consumer complaint received 2023-12-20
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (NY)

I am writing now in wish to gain your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2024-04-08
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. (TN)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.