davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since The first week of XX/XX/XXXX, Ive been trying to access the self service site to freeze and unfreeze my credit, like Ive been doing for a few years now! Suddenly I havent been able to access. I gave it a little while because at the time it wasnt an emergency. Fast forward to XXXX  XXXX when I tried accessing again, thinking that everything would be resolved and fixed with their systems and it wasnt! I called and got the run around, they kept asking me for some 6 digit pin that I wouldve set up years ago when I made the accnt ( which I didnt know/remember because when you access the self service system it doesnt ask you for anything but your sign on and password ). OVERLY frustrated and having to be transferred from rep to rep ( no one in the US ) and being gaslight into thinking I was the issue and avoiding my questions of why I couldnt access my own credit freeze OR report, I finally got transferred to someone in technical support, only for him to tell me its an issue on my end ( which it wasnt ). When I advised him that it wasnt my issue he hung up on me! From XXXX until yesterday XX/XX/XXXX between XXXX messages and TEXT to my phone, nothing! Ive never had issues in the past with TransUnion but at this point, theyre causing me undue stress and hardship not being able to allow ME to access my own stuff! They said they had to perform some type of maintenance but was very vague on what! I need my account fixed NOW! Ive been way too patient for them to be doing all of this! Here today still cant access anything! When I tried to use a service that uses soft pulls from XXXX, its stating they cant access it even though I had to manually ask them to lift it! I shouldnt have to call, write or anything to access something everyone else is able to access using their self service site, service.transunion.com. I have the whole text conversations in my XXXX messages saved! I will upload a portion but its too much to add everything. Also the text messages in my phone! This service has been horrible and its unacceptable! 

Fix my account TransUnion before I hire a lawyer!
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am writing to bring to your attention a serious issue regarding a collection agencys conduct in violation of consumer rights and federal regulations. The collection agency in question, Midland Credit Management, has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the opportunity to dispute the alleged debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, I believe that Midland Credit Management is engaging in false and misleading misrepresentation and deceptive practices. They have proceeded to furnish information to consumer reporting agencies without furnishing me with all disclosures mandated by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

This conduct not only violates my rights as a consumer but also contravenes federal regulations designed to protect consumers from unfair and deceptive practices in debt collection. I am deeply concerned about the impact of such actions on my financial well-being and creditworthiness.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Midland Credit Management. I also urge the Bureau to ensure that my rights as a consumer are upheld and that I am provided with the necessary protections afforded under federal law.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Consumer complaint received 2024-04-22
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. (NY)

I have asked that the following collections agencies stop reporting to my credit report on XXXX, XXXX and Transunion under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  balance {$1400.00} XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX balance {$1900.00} XXXX XXXX Original creditor : XXXX XXXX balance {$1400.00} XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX  balance {$1000.00}
Consumer complaint received 2023-12-06
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. (PA)

Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, Please Delete these Inaccuracies on my XXXX XXXX
Consumer complaint received 2024-04-22
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. (FL)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Bank XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-31
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. (IL)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Illinois, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Subject : Complaint Against Midland Cred Collection Agency for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Midland Cred Collection Agency for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes.

1. Midland Cred Collection Agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.

3. Midland Cred Collection Agency has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Midland Cred Collection Agency is flagrantly disregarding consumer protection statutes.

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by Midland Cred Collection Agency and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Mohala has practicing a lawful tactics that make it hard to get in contact with them about my student loan forgiveness. I also transfer my loans to MOHELA ( XX/XX/XXXX ) because of the public loan forgiveness program, to be approved for it then since a letter telling me theres a possibility that I dont qualify. ( XXXX, XXXX ) which is only reason, I agreed to transfer my loans over to their company. Also I have XXXX interest rates on my loans, they put my account in administration forbearance ( XXXX, XXXX, XXXX ) I am still collecting interest every month for my loans, which is it resulting in affecting my credit. They are also being investigated, Because of some of these problems. the Mohala reports. XX/XX/XXXX, They also had XXXX XXXX dollars withheld from the education department. This has been a complicated experience.
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (TX)

Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money.
Consumer complaint received 2023-11-09
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. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2024 at about XXXX I tried to deposit a check in my account using the Bank of America located XXXX XXXX  XXXX XXXX, XXXX  IL XXXX. I inserted the check & received a error message stating the machine couldnt read the check. & the check will be returned. The machine started to freeze up & eventually gave me my card back but the check did not return. The check did not deposit in my account.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

Rented a home from XXXX XXXX XXXX in XXXX, in XXXX KS. Sent them 30 day notice in XXXX, stating that i was moving out of the property due to mold and other property issues that the management failed to address ( the home had flooded at least 3 times, causing water damage to the carpets, ceilings, etc. ). In XXXX of that same year, XXXX, XXXX, had sent me a letter asking me to either turn in the keys or an eviction would be filed. No eviction had ever been filed as I returned the keys. A move out inspection was performed w/o my being present, despite my asking to be. I did ask for pictures, but no response was ever given. 
A year later, I received a notice on my credit report from a collection agency, not National Credit Systems, that I owed {$5800.00}. When I inquired about it, i was sent an itemized statement, listing damages that were mostly due to flooding that had happened in the home. In addition, they had charged me for rent after I had left, despite having kept my deposit and owing me money for " concessions '' due various issues i had faced while living in the home. When I called XXXX XXXX XXXX, the original creditor, to inquire about these charges, they could not find my file. I then contacted that collection agency and demanded they cease collections as the debt could not be validated. 
Now the debt is being handle by National Credit Systems I have asked them to validate the debt. Instead, they have the debt listed in my credit file as a " medical debt '' when, in fact, it is NOT a medical debt. 
As the original creditor has no record of this debt on file and is unable to verify/validate this debt, National Credit Systems has no legal standing to collect on this debt.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

As of XXXX my payments counts stop qualifying because a forbearance was placed on my account without my permission. 

I wish to file a complaint with MOHELA XXXX XXXX. I have contacted them multiple times regarding an unrequested forbearance that has halted the increase of my payment counts for public service loan forgiveness. The attached letter does not pertain to me, as I did not initiate this. Kindly remove this forbearance since I did not authorize it through phone, email, or written consent.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (LA)

On XXXX XXXX my credit karma money account was hacked, the hackers stole {$5500.00} using the virtual card the app offers you. I called and disputed the charges, on XX/XX/2023 the investigation was complete and I got my money back. I went to use the card and it didnt work, so I logged in and saw my account was frozen for my protection I called customer service and they told me to refresh my email for a link to verify my identity so the special department ( their words, not mine ) can investigate and unfreeze my account. I have not received an email with a link, i havent been contacted, they are essentially holding my money XXXX.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have been going back and forth with Experian LLC since XXXX XXXX XXXX. Experian deliberately ignores my disputes while using such terms as " WE HAVE NOT TAKEN ANY ACTION ON YOUR ALLEGED REQUEST. '' Who allows disputes to be ignored, why was my dispute ignored? This is a waste of my time and money! Experian does not have the right to ignore my disputes. 

I have officially filed with the CFPB, the XXXX, Experian.com, and forwarded all documents via us mail for a second time. 

This is getting out of hand the consumer is to be protected, not ignored!
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (SC)

hello, i need help, becouse my account has been permanent limitation without any explanation. 

i already confirm my identy and them, i received a email about my account was permanent limited. 

i guess this situation is arbitran, i wish get help please. 
i never been asociate with any problem and now this just happend without explanation. 

You can no longer do business with PayPal ( XXXX ID - XXXX ) XXXX XXXX
Consumer complaint received 2024-03-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC (PA)

On Tuesday the XXXX, approximately at XXXX, inside a motel lot, my car was repossessed by XXXX XXXX on behalf of Westlake Financial . This happened after their having called me incessantly demanding payment which were XXXX months in arrears. I stated to them that payment would be made in a reasonable time once I settle issues with technical and mechanical problems with the vehicle and I obtain new employment.

The auto dealer from where the car was purchased, only fixed the car XXXX  times but was not receptive to suggestions around providing a real fix. Long story short, the car never passed inspection for the XXXX  months I had it, engine light on, electrical issues, AC broke etc..Then, perhaps the biggest insult to injury, the car had a gps tracking device in the car which they denied being in there.

The reason I knew this was because at that hour, no one would randomly come to that Motel lot off of the highway at that hour unless they knew it was there. Also, interesting to note, this was not in the contract and there was no such disclosure of this type of device. This could also raise privacy issues. Our understanding of Truth in Lending Laws, Title 15 USC and Uniform Commercial Code has uncovered some very unsavory practices perpetrated daily on buyers by predatory lenders and dealers alike. 

This complaint may or may not meet your threshold of investigative inquiry but I hope to exhaust all remedies at this stage. Thank you for your consideration. 

Regards, XXXX XXXX XXXX.