davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (OK)

Midland funding keeps making false payments on my payment history record ; not even trying to be believable, saying I've made 1 & 2 dollar payments and when I dispute those payments they just remove them and add new ones. I do not like all the misleading activity and feel helpless. 
Please help me handle this by the Fair Debt Collection Practices Act Midland Funding should be removed from my credit report effective immediately. I have disputed many false payments made on my reports even payments of 1 & 2 dollars just to look later and they've added new false payments just different dates. 
I was unaware of all this until XXXX when I started to try & keep track of my credit. I actually forgot about all this because I have not made a payment on this since the XXXX of a loved XXXX XXXX. I believe they have been & are illegally trying to prolong their credit case against me & probably other people. 
ALL MIDLAND FUNDING ACCOUNTS NEEDS TO BE INVESTIGATED TO FIND ALL CRIMINAL ACTIVITY
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (FL)

I contacted CREDENCE RESOURCE MANAGEMENT, in regards to an XXXX account that was reporting on my report with a balance of XXXX. The rep I spoke with offered me a settlement amount of XXXX in which I paid and they advised that the account would be deleted off my report once the payment has been made. I tried to get the rep to send me information in writing to confirm that the account would be deleted once paymemtn is deleted and the rep advised that they do not send letters, and confirmed that our call was being recorded and assured me that it would be deleted. Upon checking my credit report the account status only lists as settlement and has not been deleted. I am requesting that the account be deleted per my discussion with the rep once payment was made.
Consumer complaint received 2023-03-14
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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
Consumer complaint received 2023-08-20
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: Experian Information Solutions Inc. (NC)

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times due to XXXX violating METRO 2 COMPLIANCE I have also paid the account balance but XXXX  still refuses to delete the closed account
Consumer complaint received 2024-04-26
Product: Credit reporting 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)

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED 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 2023-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (FL)

Credit Karma has my account locked as soon as my direct deposit comes seem very suspicious on the company 's behalf. Issue hasn't been resolved and it's XXXX for XXXX sake I strongly believe someone is submitting false Financial SAR 's because there are fixated on the destruction of my well being. However Credit Karma is not helpful at all
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

midland funding acct XXXX they continue to contact me via mail even though account is currently being handled by XXXX XXXX XXXX Acct. XXXX. 
Midland Funding sent a multiple page document to fill out get notarized and send back to them called Aid of Execution attaced was court document over 7 years old.I have been working with XXXX XXXX XXXX and in current incapacity to repay they issued a financial hardship status letter. This debt was less than {$700.00} and is over 8 years old. 

I just dont get how they can continue to send letter after letter when they themselves turned it over to XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX provided an auto loan to me. XXXX XXXX also provided without my consent or knowledge a third party auto insurance policy with XXXX XXXX XXXX and deducted from my monthly payment ( XXXX ) the collateral coverage premiums before assigning my payment to my loan. I already had auto insurance on the vehicle with XXXX. 
I was behind on XXXX payments per XXXX XXXX due this monthly payment deduction for insurance I didnt need. The loan matured in XX/XX/2019. I paid the full loan amount due of {$3600.00} XX/XX/2019. XXXX was paid early. Before mature date. 
Reported to collections agencies that XX/XX/2019 {$3300.00} written off and XX/XX/2019 payment received {$360000.00} on XX/XX/2019. Account reported as charge off bad debt. 
XXXX credit buried have different information reported. 
I have disputed this account for years and still the account remains a bad debt. 
A refund check on insurance premiums was refunded me but nothing with credit report happened. Remains a bad debt on my credit report
Consumer complaint received 2023-01-08
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. (PR)

I asked Equifax to investigate some inquiries that are not mine in my credit report, and in less than 24 hours I received the notification that my investigation was complete. I believe they violate my rights to report incorrectly on my credit. I request that they investigate, and send me evidence like the law says to keep these inquiries in my report, I want to see that they have my signature, photo identification, and social security card copy, that is the investigation that Equifax did not do, since they inquiries do not belong to me, and they left it in my report, the inquiries were made by the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (GA)

I HAVE AN IDENTICAL TWIN SISTER AND HER NAME ( XXXX XXXX ) ALONG WITH HER ACCOUNTS ARE REPORTING TRANSUNION AND XXXX CREDIT BUREAUS. 

THE ACCOUNTS ARE LISTED AS : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX I HAVE BEEN CONTACTING TRANSUNION TO CORRECT MY NAME AND SENT THEM PROPER DOCUMENTATION VALIDATING MY IDENIFICATION AND THE ISSUE HAS NOT BEEN RESOLVED.
Consumer complaint received 2024-04-26
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. (LA)

I just checked and reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-12-09
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: Credit Karma (CA)

Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received XXXX XXXX tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX California because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.
Consumer complaint received 2024-04-26
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (UT)

On XXXX XXXX my account with net spend was hacked. Over XXXX dollars was fraudulently removed from my account. The hackers were able to change all of my account settings. Multiple phone calls to Netspend produced very little help. Eventually my password and pin was changed. Two disputes were made for the charges. First update was for XX/XX/XXXX. The bank did not provide details as why the disputed amount was not placed back on the card. On XX/XX/XXXX my direct deposit as well as a portion of the orginal dispute was in the account. At XXXX XXXX i received a fraud alert for a XXXX dollar charge. I tried calling the bank because I had been locked out of my bank app. The hacker managed to change the account settings. By the time i was able to stop hit. Almost XXXX dollars had been removed from my account. The first time the bank said they had compromised my card. So we canceled the card and had a new one sent. This time, the actual checking account was compromised. This has happened within three week ofthe hacks. The bank has not provided me with anything as to why this continues to occur. I have to leave the account open while i wait for the disputes to finish. I know this bank had a data breach a little over a year ago. It appears this bank is not consumer friendly and is very slow on information getting back to me. each time it has taken days to get my account unblocked so that i can see the charges that occured. I know that by regulations the bank has 10 days from the dispute date. However, with my account being hacked twice in three weeks this has put me in a very dire financial need. Both hacks have been charges in states that i have not been in. So realistically there is now way for me to be in those states when i am using my card in my home state. Like said, Netspend as a bank is failing its customers by not protecting them from these online hacks. I have dug through my online accounts, scanned my phone and tablet. I have reviewed my XXXX and XXXX  profiles. None of those have showed information hacking. I need a government agency to step in and help. I need to know how these hacks are occuring. I know there has to be a way to track this problem. I need Netspend to step up and protect its customer. And i am not seeing that happen. I have know doubt there has to be other netspend customers having the same issue. This needs to be addressed.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

I was called by an alleged Navy Federal Representative before I was XXXX XXXX XXXX XXXX  about fraudulent charges that weren't on my account when I looked. The representative asked me for my security word and to give to read back a code I logged into my bank with the link they sent me. I was XXXX  during the occurrence of these transactions I have no idea who has gotten my information however claims were made in my name that I've never made as well as transactions for XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is all fraudulent and not authorized by me. I need my funds returned into my account and the previous account that was closed to be marked as due to fraud and by law not be liable for the identity theft fraud that occurred with the old accounts. I have since been walked through the steps of signing in and getting a new account. changing all passwords and usernames. I demand the previous account to be marked down as closed due to identity theft fraud. The fraudulent was already closed and new accounts opened due to this fraud. I need debt incurred by identity theft to completely deleted from system or marked as identity theft. Ive since restored access to my account and changed passwords and username. 
FCRA states my consumer report and information reported to any consumer agency will be complete and accurate.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

Dear CFPB Staff I have an account with XXXX credit reporting company that updates me on my credit score monthly. XXXX also shows the credit score of the other two credit reporting companies such as Equifax and XXXX, but the information appearing on the XXXX website about my credit debt with Equifax and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the XXXX website. I have tried to address this issue with XXXX before and nothing has changed. XXXX needs to update its website and communicate with both Equifax and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to Equifax Complaint # XXXX and again Equifax did not fix the issue with XXXX.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Express Enrollment LLC (CA)

During the pandemic, I was facing financial hardships and was worried when things opened back up again that I wouldnt be able to pay my student loans so I did research in consolidating loans and discovered the company SLFD processing. They insured me that if I paid a monthly fee for six months that they would consolidate my loans and put me on a program that was income driven and that their company was qualified in dealing with private and federal loans and consolidation. I paid every month, and when I reached out initially, I was usually was met with someone trying to assure me that the company was legit and that everything would be handled. When President Biden announced his intention to lower student debt, I looked into my current situation, and when I searched for SLFD on the Internet, I found that there were many people who were scammed by SLFD in the same way that I was. I fear that I was a victim of a scam that took money from many people and I am terrified that my information was sold to a third-party and that the money that I spent on my student loans being consolidated is lost forever, which is a huge blow to my current financial situation. I have reached out to them many times and have heard nothing back in response. The last email I got was a message saying that my point persons email no longer exists. The only information I have is that there may be an ongoing investigation into SLFD and that there might be some sort of class action lawsuit but I dont have any of that information and I have not been included in any of those conversations. Please help me get to the bottom of this I am genuinely very scared. Thank you so much for your time and help. I greatly appreciate it.
Consumer complaint received 2024-05-24
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. (LA)

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. 

XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 that records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 causes to believe that the information is inaccurate.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (NY)

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (NY)

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  XXXX - XXXX
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.