davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (PA)

Received a letter in the mail today XXXX XXXX2021. It is from XXXX XXXX XXXX  and Midland Credit Management , Inc., in the amount of {$1000.00}. This was discharged quite a while again in a bankruptcy claim.
Consumer complaint received 2021-05-27
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. (TX)

On XX/XX/2021, I sent TRANSUNION an Affidavit of Truth, Cease & Desist, exhibits with circled violations that explains what law ( s ) they are violating, and an invoice asking for remedy. My first complaint was pretty much dismissed and I am still not being treated with respect. TRANSUNION is still illegally reporting on my report and that is messing with my mental help and credit score. I am not able to apply for credit cards because my score is so low.15 USC 1681b-Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (KY)

EQUIFAX, XXXX XXXX XXXX RE : XXXX Acct # XXXX This is my XXXX time disputing the inaccurate information on my consumer report. Equifax are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. 
My dispute is update to paid on time because I was not 60 days late.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I have had a  XXXX   Mileage Plus  credit card through Chase for 22 years. I am a model customer and I always pay my bills on time. I owe nothing other than the monthly charge each month.     The annual fee  XXXX  {$60.00} per year for 22 years,.     I was just notified by  Chase th at my annual fee will be increased to {$95.00} per year. That is an increase of more than 30 %. This is outrageous and should not be allowed.     The flimsy excuse they gave for doing this is to " standardize terms for cardmembers who have the same account. '' This is nonsense.     Please do not allow them to gouge good customers like me.     I am eager to hear what you have to say.     Best regards,  XXXX   XXXX
Consumer complaint received 2023-01-03
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. (AR)

XXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX  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 XXXX XXXX  Account number XXXX In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account number XXXX 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 XXXX XXXX XXXX Account number XXXX 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 XXXX XXXX XXXX Account number XXXX 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 XXXX XXXX XXXX  Account number XXXX 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 XXXX XXXX XXXXXXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX 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 XXXX XXXX  XXXX Account number XXXX 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 an account without my written instructions. These accounts were open fraudulently without my written instructions.
Consumer complaint received 2023-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

XXXX initiated an internal transfer of loans with the expectation that it would take XXXX weeks before being able to gain access to them. It has been past that point and when speaking to customer service they state they have no updates, ETA, or can advise on what to do beyond checking back each day. They advised they do not have a plan if this issue persists past XX/XX/2023 and could potentially cause customers to accrue interest on higher balances. They have effectively made it where you can not make any payment and do not have a time frame on when they will allow payments to resume. This is causing undue stress for those that are attempting to pay down balances or even pay off their loan balances.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I assert that the presence of erroneously documented overdue payment notes on my accounts violates the regulations outlined in 15 USC 1666. Each payment associated with these accounts has been duly submitted, and any deviation from this accurate reporting is deemed unfair and illegal.
Consumer complaint received 2021-05-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

XX/XX/2021 I applied for a home equity loan at Atlantic Union Bank XXXX Virginia. Loan officer said I could borrow up to the 80 % of the appraised value of my house. I chose 50 % for a {$50000.00} loan approx. 

I submitted an official credit score document up to date 4 days prior, showing 803 " excellent '' in a green circle. This was accepted by the loan officer. I presumed this would be used.

She indicated there should be no problem. 4 days later I was informed that I can only borrow {$12000.00}. I was surprised as two other banks in the area XXXX XXXX XXXX and XXXX XXXX offered the full {$50000.00} where I don't have any money deposited like I do this Bank. 

I explained to the manager why the reasons they gave me did not make sense from a banking or common sense standpoint. I would not put my home up worth a XXXX XXXX for a {$10000.00} loan that I don't need. It was for a slush fund as I explained to the loan officer. 

The larger concern for me is my CREDIT SCORE. They informed me that they did a hard credit check to verify my credit score on the official document I submitted. It took me almost a year to get out of the 790s and to XXXX. One press of a button by Atlantic Union Bank took most of it away in an instant and back down into the 790s!

I was informed by two Atlantic Union Bank ladies that they do this to all there patrons. Three Atlantic Union ladies told me they agree with my common sense logic that this punishes their customers for not doing anything wrong. Following their rules to get a loan or to be considered for a loan does not reflect negatively on their financial management character. It's just applying for a loan. Why would you want to hurt somebody's credit. No answer The only people who benefit from lower scores unjustifiably are banks. They can charge you more to buy their money. Everybody else suffers, buyers, sellers, businesses the economy. Worse, this bank had an official verification of my credit score from a multi-billion-dollar bank right down the street. 

Had I known that they were only going to loan me a 10 % of the value of my house and that they were going to do a hard credit check doc my credit score 7 full points I would have never applied for the loan.

The person who approved the loan for such a small amount, I knew it would probably not be accepted and did the hard credit check anyway. And didn't think a thing about it.
Consumer complaint received 2016-08-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WA)

This company is ONLY calling me AT WORK. They have n't told me who I supposedly owe money to, which is NOONE. I discharged a Chapter XXXX Bankruptcy for medical bills XX/XX/XXXX. All other medical bills, since XXXX XXXX, XXXX fall under the Washington State Crime Victims Compensation Plan, which also specifies that NO DEBT CAN BE COLLECTED FROM THE VICTIM. No collection attempts are allowed by law. I have received NO MAIL, NO attempts other than calling me at my place of business. I have no clue what they think I owe, but I have been more-than-on-top of my bills since I filed BK in XX/XX/XXXX. I do not owe what they think I owe, nor do I even know what they think I owe. This is a clear violation, they have not even attempted to send me a letter or bill for me to dispute and send a copy of the crime victims compensation plan and protection XXXX from the XXXX. If they touch my credit report, I 'm calling a lawyer.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-01-03
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. (LA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (NH)

I keep getting a call from XXXX XXXX. Today at XXXX XXXX  was the latest. They are spoofing the caller ID to reflect that they are a Cell caller from MA. The number is XXXX. I feel this is a deceptive practice and they should be fined for using this tactic. When they started to go into their Collector speech, I hung up. They want to verify information that I do not want to give them.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CT)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2021-05-27
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: Experian Information Solutions Inc. (GA)

I have attempted to access my credit reports twice for the last 10 days. I tried twice today and spoke to Experian Agent XXXX who advised only mail for reports and no access on line which is not fair to me when I have the right to access reports online free for 1 year until 2022 as a consumer. He alleged that there is no glitch from his end and that he could not remove block any block from XXXX XXXX XXXX for experian report . I was able to access all other reports except Experian which I need to access weekly at XXXX XXXX XXXX to ensure no one is accessing my report without my authorization as any other credit reporting agencies is allowing me
Consumer complaint received 2021-05-27
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: Credit Systems International, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.