davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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: Uplift, Inc (NY)

Yesterday, XXXX XXXX XXXX  I was notified via XXXX XXXX that XXXX dropped my otherwise good credit score by XXXX points! Shocked at this revelation, I immediately looked into my credit report to discover that UPLIFT, a loan installment company, reported me late for {$4.00} of residual interest left over from a loan I had satisfied in XXXXXXXX XXXX. Needless to say, I was shocked that I even had a balance with UPLIFT and that they ruined my credit score for {$4.00}. When I called UPLIFT to inquire about the sixty-day-late credit reporting, they said that my loan, which I paid in installments on time in five amounts of XXXX had accrued interest. I was told by the representative that the final payment that I made of {$850.00}, which was slightly hire than the other months, was my final payment and that I would be paid off for the loan. Why hadn't all the interest been applied then? At no point and time was I told to look out for any residual accrued interest ... at all. In fact, my the online portal showed me paid off at the time of my last payment. I spoke to a representative and a supervisor at UPLIFT who were very indifferent and told me that they had sent emails. With SPAM and all of the junk email I get, I didn't see these emails, especially since I hadn't been looking for anything from UPLIFT because I had paid the last installment. I asked why they hadn't notified me by other means like ; via cell phone, sms message, or US mail if I had not been reachable. Surely, I would've paid the {$4.00} immediately if I'd know it was outstanding rather than ruin my good credit that I've always taken pride in maintaining for many years. They're response was that they only notify by email and that only some customers will receive an SMS in addition ; how they determined who gets the secondary notification is beyond me. I'm shocked, despondent and in total disbelief that a company who I had been in very good standing with in paying all of my installments as agreed, would seek to ruin my credit for a mere {$4.00}, the price of a cup of coffee, moreover, without giving me a fair chance to resolve this very insignificant amount. It is not fair that I suffer a hurt credit score for seven years because I didn't know that an account I paid off accrued {$4.00} of interest.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VT)

From XX/XX/23 to XX/XX/23 I have attempted to contact Nelnet to address XXXX serious issues. XXXX. I have not received a bill. XXXX. My personal information has changed but I did NOT make any changes, and I am unable to get through to Nelnet. They never answer the phone.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

I want to file a formal complaint against Midland Credit Management for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Midland Credit Management placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of this debt. 
I hereby declare my revocation of all communication channels with Midland Credit Management including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report XX/XX/2024. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Midland Credit Management on XX/XX/2024 is blatantly false. I neither received any services or products from Midland Credit Management nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
Midland Credit Management is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
Midland Credit Management has not provided me with validation information under XXXX CFR XXXX ( b ) ( XXXX ) but yet they placed a collection account on my credit report. 
Midland Credit Management has not given me a chance to dispute accounts according to XXXX XXXX XXXX ( c ) ( XXXX ) ( I ) Midland Credit Management is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means. 
Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law. 
The actions of Midland Credit Management constitute clear violations of XXXX XXXX XXXX ( d ), XXXX XXXX XXXX ( XXXX ) ( i ), XXXX XXXX XXXX ( b ) ( XXXX ), and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). 
I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions
Consumer complaint received 2023-02-20
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: EQUIFAX, INC. (IL)

Dear Bureau, I am a victim of an Identity Theft and this is my official statement for dispute. I have an account on my credit report which doesn't belong to me. I enclosed in this letter an Identity Theft report and notarized Affidavit proving that this account was opened due to fraudulent actions. I am also attaching to this letter a copy of my Drivers License and a copy of my SSN to verify. 

Please remove this account or let me know what else I should provide you. 

Name of the account : XXXXXXXX XXXXXXXX XXXXXXXX It was opened on : XX/XX/2018 This account was closed by letting the lender know that this account doesnt belong to me. But unfortunately at that time the account was transferred to the fraud department. This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (WI)

On XX/XX/XXXX at XXXX I requested a copy of the original sale agreement and was sent the retail installment contract. I then reached back out to the company at XXXX notifying the company once again that I am requesting a copy of my original sales agreement and not the retail installment agreement and I was sent a blank email with nothing attached. This is now my 3rd attempt to get a copy of my original sales agreement. This information was first requested via phone and I was then sent an email with this information that I did not request.
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NY)

I was contacted by a company named National Credit System. They explained that they reported a collection on my credit report because I owed a debt to a property named The Strand, in XXXX, Fl, that I previously resided at, and that I now owed National Credit System a sum of {$330.00} due to me submitting my 60 days notice of not renewing my lease, in less than 60 days of me leaving. 
I then reached out to The Strand due to me not having knowledge of this sum being outstanding via email, on XX/XX/. The Strand did their research and corrected the amount due to actually {$220.00} via email communication XX/XX/, and directed me to pay them directly via certified funds, i.e. Money Order or Cashier 's Check ( I have physical copies of each communication between myself and the Strand property ). 
Since then I have placed in numerous disputes with the specific collections amount via XXXX, and each time National Credit System has argued that I owe them directly and that my credit report will reflect this due amount. During these disputes, I had given National Credit System ample amount of time for them research this dispute and contact The Strand to rectify their records but National Credit System has sought to continue to report erroneous and inaccurate information onto my credit report, as an act of fraudulent extortion. This has effected my credit score negatively and causing me to lose XXXX points.
Consumer complaint received 2023-05-11
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. (TX)

These Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). 
If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. 
IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Credit card Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rent Recovery Solutions (TX)

On XX/XX/2023 communicated with employee, XXXX XXXX, our situation on a recorded line. XXXX XXXX, in exchange for payment a deletion letter can be issued. XXXX stated it would be issued after payment is processed and that it falls off the credit report every XXXX I paid the total amount of {$500.00} in full XX/XX/2023. XXXX assured I would receive the deletion letter. Followed up with XXXX XXXX on XX/XX/2023 regarding the fact that we had not received the deletion letter. XXXX stated he would put in another request. Followed up again XX/XX/2023 and received another story. First woman I spoke to said a deletion letter is not possible and they could give a {$0.00} balance letter. Transferred to XXXX XXXX again, now XXXX states a deletion letter is not possible. Asked to speak to a supervisor, they told us there is no supervisor and they dont take calls. Received {$0.00} balance letter. Today, XX/XX/2023, my mortgage broker and I contacted the company again requesting a supervisor. We were transferred to a voicemail. Due to not receiving the deletion letter, as promised we now have a higher monthly mortgage payment. This is unethical business practices under false pretenses.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC (CA)

In XXXX of this year I received a notification when I logged in to my XXXX account that XXXX Mortgage reported ( XXXX ) mortgage lates on me and my husband 's credit reports. 

Completely startled by this information I immediately called XXXX Mortgage. I was told by the Representative that an escrow reconciliation was completed on my account and that my payment was increased by $ XXXX due to this. I explained that I always paid my mortgage via online XXXX and that I was never notified of this change in payment. She explained that I needed to email their loan servicing team the details and immediately update my XXXX ( which I did ) to reflect the new amount so that I do not get a XXXX reported mortgage late - even though they accepted all my payments. I did this immediately. 

I Never received a response to my email which I was requested to do on XX/XX/2023. Not even a response I am so upset that they would treat a person like this. I owe approx {$250000.00} on this property whose loan to value is less than 20 %. I also Never received a letter, call or text to the effect that my payment was short or that there was to be a change in my monthly payment. This is unacceptable and truthfully I feel as though this is predatory in nature. Are they trying to steal my house or ruin our credit..
Consumer complaint received 2024-01-10
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (DC)

I tried to send XXXX to XXXX XXXX but instead the money was sent to XXXX XXXX and when I realized there was a mistake with the name immediately requested a refund which was denied. I called the Wells Fargo phone number on my ATM card and was told that they would investigate the matter. once I received a letter denying my dispute called again and was told to contact XXXX XXXX only to receive a lecture on how I need to pay attention to the picture. That did not resolve the issue and no one cared even when I went to the Wells Fargo branch in person to complain. I said I would close my account with them and that didn't matter either since they are not the one who is XXXX years old loosing XXXX on a whelm. 

I feel that the person who said they would investigate the matter should have told me to contact XXXX XXXX and that XXXX XXXX needs to refund my money since they have the persons information on file who erroneously received my money knowing that it was not intended for them since I immediately requested a refund.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have received a copy on my consumer reports and I notice Experian, XXXX, and XXXX have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 3 ) The ( 3 ) Bureau above have furnished Late payments From ( XXXX through XXXX XXXX XXXX and XXXX XXXX XXXX 
Im requesting the above transactions be reversed to paid as agreed or to OK.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (IL)

A collection account that appears on my report. I believe that the reporting of this account violates the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in investigating and correcting this matter. 
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account Information : WAKEFIELD AND ASSOCIATES Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of First Delinquency : [ Date of First Delinquency ] I am disputing the accuracy of the information related to the collection account mentioned above due to the following reasons : Inaccurate Reporting : The information provided in the collection account is not accurate and does not reflect the true status of the debt. I request a thorough investigation into the validity and accuracy of this account. 

Violation of FCRA Laws : I believe that the reporting of this collection account is in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA requires that information reported by credit bureaus is accurate and complete. The inaccuracies in this account are detrimental to my creditworthiness and financial standing.

Abusive Collection Calls : I have been subjected to abusive collection calls by [ Name of Collection Agency ]. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits abusive and unfair practices by debt collectors. 

I kindly request the following actions to be taken : Investigation : Please conduct a thorough investigation into the accuracy of the information associated with the collection account mentioned above.

Verification : Verify the legitimacy of the debt and ensure that it complies with all applicable laws and regulations. 

Removal of Inaccurate Information : If the investigation reveals any inaccuracies, please promptly remove the inaccurate information from my credit report. 

Documentation : Provide me with any documentation supporting the accuracy of the collection account, as required by FCRA. 

I remind you of your obligation to respond to consumer disputes within 30 days, as stipulated by the FCRA. Failure to comply with these requirements may result in legal action. 
Thank you for your prompt attention to this matter. I am confident that a fair and accurate resolution can be achieved through your assistance.
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MI)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TMX Finance LLC (AZ)

TitleMax gave me a loan on my vehicle and put the monies on the debit card debit card was stolen and I notified them and they never sent me the statements or even emailed them to me and then all of a sudden the company showed that has the monies shut down so now I can not do anything on top of that. They repossess my vehicle. I paid them owed and then they put the car under your name so I have not been able to register the car when my plates were expired because the car is not under their name. It does not have a lien. It is under their name so it basically says that they own the car free and clear I dont own it, no lien put in their name, and I have the car in my possession
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (MA)

This creditor has never sent me any written paperwork that they are taken over the debt like they are supposed to. I have disputed item and it has been removed then it came right back on. Please remove this account from my file since I was never notified in the 5 business days that the law states to send correspondence
Consumer complaint received 2023-03-12
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: Atlanticus Services Corporation (NJ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a r

ight 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 purpose.