davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED MIDLAND CREDIT MANAGEMENT WAS NOTIFIED BY A CEASE AND DESIST DATED XX/XX/2023. XX/XX/2023, LOOKING AT MY MOST RECENT CREDIT REPORT, MCM HAS VIOLATED THE CESE AND DESIST. THIS IS NOW SUBJECT TO LEGAL ACTION. NOT ONLY THIS HAS HAPPENED, WHO IS THIS COMPANY AND WHO ARE YOU REPRESENTING BECAUSE I HAVE NEVER HEARD OF YOU. ITHIS IS AGGRAVATED IDENTITY THEFT TO THE HIGHEST EXTENT BECUSE THIS ACCOUNT DOES NOT BELONG TO ME. 

MIDLAND CREDIT MANAGEMENT HAS COMMITTED SERIOUS VIOLATION ( S ) WHEN IT PERTAINS TO MY CONSUMER RIGHTS. MCM IS IN VIOLATION IS IN VIOLATION OF : 1.5.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 2.15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 3.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 4.15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 5. 18 USC 1028- AGGRAVATED THEFT 6. 15 USC 1692 e ( 8 ) - FALSE OR MISLEADING REPRESENTATIONS 7. 15 USC 1601- TRUTH AND LENDING ACT MCM ALSO VIOLATED A CEASE AND DESIST ORDER ( CEASE AND DESIST SENT XXXX  ) EVERY VIOLATION THAT HAS BEEN COMMITTED, I WILL BE SEEKING {$20000.00} PER VIOLATION. YOU HAVE 3 DAYS TO RESPOND AND REMOVE OFF OF MY CREDIT REPORT ( S ).

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

Two of my three mortgages were transferred in XXXX or XXXX of this year from XXXX to BSI Financial. One mortgage became an issue when they did not apply my payment, although I had proof of payment. I emailed the customer service email several times with no response. I continued to try to call but the hold time was so lengthy. I finally got through, spoke to a manager and the problem was resolved. Then my other account began to show past due when I had proof of payment. This account has had multiple issues for months now. I have spoken to so many managers that promise they will see the issue through to completion and then never do. I have emailed them directly, left voicemails on their personal voicemail, emailed the customer service number and never get a response. I finally found a number to get to escalations and worked with XXXX XXXX. He advised me that all of my late fees were waived, I was told to pay {$330.00}, which I did. Today I downloaded an XXXX spreadsheet and it appeared that two late fees that were charged on XXXX and XXXX had not been reversed. I called back in to the escalation department and got XXXX XXXX, who was the last person I spoke to. From the beginning of the conversation, he was condescending and rude with me, said the fees had been removed and my amount due is {$0.00}. He would not give me the opportunity to explain that I believed those fees were in the {$330.00} that I had paid to get everything on track. He continued to scream at me, stating he was " done with the conversation '' and would not listen to me at all. He kept telling me the conversation was recorded. I ask that an execuative with BSI find that recording and listen to the way this person spoke to me. After I told him I would be contacting the XXXX  he calmed down and then realized that ... I was correct that the late fees were not reversed. I can not begin to tell you how many hours I have spent trying to get my BSI account straightened out. The customer service is the worse I have seen in my 25 years of owning homes. I would like someone from the corporate office to call me.
Consumer complaint received 2023-09-09
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. (MN)

My credit score was adjusted last month back to what it should be : no missed payment ever. It also went back to a XXXX credit score. However, it appears that fix was short-lived. My score just dropped another XXXX points and it says I have a late payment recorded by XXXX in XXXX. This is only happening at Transunion. Transunion says XXXX late payment in XXXX and my credit score is XXXX. XXXX says no late payment and a XXXX XXXX of XXXX. XXXX shows no late payments and a credit score of XXXX. Transunion score went up approximately XXXX points last month when this issue was finally resolved. However, it came crashing back down XXXX points again this month. I'm not sure how Transunion corrected this on their end but then started again incorrectly reporting a late penalty but it was fixed and now it's not. I need help with this ASAP. This issue has been going on for over XXXX months now. We are actively shopping for a new vehicle and I should be getting the most favorable rates with my XXXX credit score. The Transunion score of XXXX is extremely detrimental to my ability to get a loan and at the rates I should be able to get.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (WV)

I identified two unauthorized credit inquiries from JPMCS Card services dates XX/XX/2023 and XX/XX/2023. I made numerous attempts to contact Chase to remove and report and the one time i managed to get thru to them i was given the run around to different departments, ending on a our office is closed.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-09-09
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I used my Home Depot card to finance my new roof including materials and installation. The roof is leaking causing water damage inside and outside my house so I contacted Home Depot. They told me to contact XXXX Warranty Claims Dept which I did and as requested sent XXXX shingles purchased from Home Depot. In XX/XX/2023, XXXX for Claim No XXXX said there is nothing wrong with the shingles and the damage was caused by the installation of the roof. XXXX told me they would contact Home Depot. I have not heard back from XXXX or Home Depot. The roof is guaranteed for 16 years.
Consumer complaint received 2023-09-09
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2022-12-06
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-09
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2023-07-14
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2023-09-09
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Consumer complaint received 2023-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

This is on my credit report and is hurting my reputation as and credit. 

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I C SYSTEM Last reported XX/XX/2023 {$140.00} Open balance XXXX XXXX XXXX XXXX  Original creditor
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

The office of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Arizona while contacting my about a debt in collections for Midland Credit Management sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Macys/Citi Bank called a friends cell phone looking for me after being five days late and never contacted me I never provided them this person 's information and Macys told me they searched me instead of calling me or emailing or texting me directly this is a complete violation of my rights and privacy. Macys as admitted to this to me. I want to file a formal complaint. I am the customer not my friend.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/2022. I noticed some activities on my credit report that werent mine. So I contacted XXXX XXXX, Trans Union and XXXX XXXX and disputed all the inquiries credit cards and auto loans that I didnt recognize and did not authorize. When I filed a dispute, I furnished a police report for identity theft with a list of all the fraudulent accounts. 
A year later, some of the inquiries have been removed. None of the credit cards or auto loan has been removed yet regardless to the fact that Ive disputed these accounts numerous times since then, informing the credit reporting agencies that they are reporting inaccurate and fraudulent information.
Consumer complaint received 2023-09-09
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. It has documented and reported to law enforcement. Another fraudulent inquiry just hit my consumer report. I did not apply for anything. This is a act of fraud. This is the XXXX fraudulent inquiry in less than XXXX. I've locked my file with all XXXX bureaus in hopes to prevent this from happening again. The XXXX fraudulent inquiries are from XXXX XXXX XX/XX/23 and XXXX XXXX XX/XX/23. Please remove asap
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Paid {$160.00} for auto insurance on XX/XX/2023 and cancelled on XX/XX/2023. Was initially told that Id get a prorated refund for days paid for and not used ( XXXX XXXX ). 

I was later told that a credit of {$38.00} was applied to my homeowners insurance policy ; so no refund ; much less than Im owed and instead of refunding me its applied elsewhere without my consent. I was never asked how I wanted the refund.

That amount isnt the prorated amount after only using 4 of the 31 days paid for in May.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NE)

I am writing to bring to your attention a pressing issue I have been facing regarding my credit report. I am a XXXX female who is diligently working on improving my creditworthiness. However, I am encountering significant hindrances due to inaccurately reported accounts that continue to have detrimental effects on my creditworthiness, consequently impeding my ability to secure loans or consider purchasing a home. 

I have meticulously maintained documentation demonstrating that these accounts have been paid in full, and they are over two years old. It is perplexing and distressing that they persistently remain on my credit report. Additionally, I have been incessantly receiving correspondence from various law firms regarding potential lawsuits, urging me to engage their services. This continuous barrage of legal notices adds further distress to an already burdensome situation. 

One particularly troublesome account pertains to XXXX. As of today, they persist in reporting that I owe them over {$1100.00}, despite the fact that this account was settled and paid in full. My attempts to engage with XXXX and seek resolution have been met with resistance and uncooperative behavior. Furthermore, every attempt to communicate with the current entity responsible for this debt, in order to rectify the situation, has been met with a lack of progress and cooperation. I never had two XXXX accounts. 

I implore your assistance in addressing this matter, as it is adversely affecting my financial stability and future prospects. I am committed to working towards a resolution and appreciate any guidance or intervention the Consumer Financial Protection Bureau can provide. 

Thank you for your attention to this pressing matter. I eagerly anticipate a swift and favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

This inquiry is unauthorized according to 15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My vehicle was involved in a car accident in which it was totaled. My insurance company ( XXXX XXXX ) determined the exact payoff amount for the loan and sent a check for the full amount via overnight carrier to XXXX. The check was received by Nissan prior to the XXXX payment window. Nissan went ahead and reported my payment, which was no longer due to them, as over 30 days delinquent. This has negatively impacted my credit score by a significant amount. This delinquency needs to be removed from my credit reports immediately.