davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

Dear MIDLAND CREDIT MANAGEMEN : XXXX or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX or XXXX ] consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : [ Insert account number or other information, such as account holder names and past addresses. This is especially important if you have had multiple accounts with the same company. ] Source of dispute information : XXXX XXXXXXXX XXXX XXXXXXXX of disputed information : [ Insert category of disputed information such as public records information, unknown credit account/tradeline, inquiry, etc. ] Dates associated with item being disputed : XXXXXXXX XXXX XXXX This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you dont have this date. ] Explanation of item being disputed : [ Insert details about why you think the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] My report includes accounts with a reported name that is different than mine. 

I dont recognize the accounts in question. 

The report shows I owed money to the company that I have already repaid. [ Give details about when you paid, and attach a copy of any proof that you have. ] The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time. [ Include account history or other information that shows the on time payments. ]
Consumer complaint received 2024-09-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (GA)

IQ Data International is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the U.S. Bankruptcy Code, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I have had an account repeatedly charged late fees and interest. I was never provided an itemized statement because their online system would never allow me access to my account. It kept saying my information was invalid and would not let me access it even though I input the correct information. And I never received any paper statements. The whole time my account was opened, even though I did make payments for what I charged plus extra, the company still overcharged me with late fees and interest. For example, I made a {$40.00} payment one month, not knowing I needed to pay {$41.00}. The company then charged me a {$41.00} late fee plus {$5.00} interest on a late fee for a {$1.00} payment I was unaware was due. 

When I spoke with the reps to try to resolve this matter, they hung up on me and refused to file any disputes or complaints about it. They told me to just put it in writing and send it to their company. But in the meantime, I will still get charged more late fees and additional interest, which will be reported negatively to my credit. Also, one rep told me they would take off everything but {$41.00} of late payments, and then the final rep who hung up on me told me she would only take off {$100.00} and then charge me more late fees and interest while I have a {$200.00} credit limit and they are charging me late payment far exceeding that limit without me making any purchases.,
Consumer complaint received 2021-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I paid my balance in full on XX/XX/XXXX and the payment cleared my bank on XX/XX/XXXX and the funds have been sent to them but synchrony bank who services the sams club credit card has not applied the payment to my account. I called today XX/XX/XXXX and I asked to speak with a manager whom which just started making things up. She said there was still a three day hold on my payment being applied due to the large amount. I pointed out to her that I make payments that large every month. She then said it was because I made multiple payments in XXXX and I pointed out again that I have done that before with no issues.
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WA)

I had a 3 year lease on a XXXX with auto payments and it was returned in XX/XX/XXXX. I have never missed a payment on any bill since year XXXX. In XXXX XXXX I moved and notified XXXX of my address change. Apparently there was a final bill for {$730.00} for inspection and return. That payment should have been taken from the Auto payment. I never received a bill. A year later I received in the mail at current address a notice of amount due {$730.00} from XXXX XXXX. I called them and told them I would pay some of the bill. There were inaccuracies as to an accident where a XXXX insurance payment was paid by the person at fault to XXXX ... also a year after auto was returned. 

I called XXXX twice and I was forwarded to a deptartment that had closed the case. No one answered and I could not leave a voice message, because the account was closed. 

I wrote three times to XX/XX/XXXX and they sent me in the mail a " Your Dispute Results '' which gave me my report of delingquent payments on all accounts, but said nothing about my dispute.
Consumer complaint received 2024-09-19
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. (KS)

Midland Credit Management arguably insists that I owe on a debt reported on my credit as of XX/XX/year> in the amount of XXXX. This account is being reported as late and in collections.
Consumer complaint received 2017-05-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

We were refinancing  our 1st mortgage with a REPUTABLE company, NOT WELLS FARGO ( getting away from  XXXX  ) - Wells Fargo just happens to have a minority stake in our property through HELOCS - In our CLOSING agreement on our new 1st mortgage, we discovered that Wells Fargo EMBEZZLED {$250.00} from us - when we complained to them that they conducted MORE fraud against us, all of a sudden this {$250.00} was some sort of a " fee '' - WELLS FARGO CA N'T CHARGE A FEE IF WE ARE N'T DOING BUSINESS WITH THEM - ESPECIALLY WITHOUT ANY ADVANCE NOTIFICATION ... that is stealing. They have a fiduciary duty to us, as ALL of our bank accounts are at WELLS FARGO ... Had they actually informed someone of their intent to charge this " fee '', we would have  absorbed their loans into our NEW MORTGAGE ...     I have already had fraud committed against me by  WELLS FARGO in the " New Account '' SCAM that they were conducting and previously fined for - Their  most recent fraudulent actions involve skimming off of transactions that they have nothing to do with - They were NOT entitled to our  XXXX , LET ALONE to steal {$250.00} from us in the process. AGAIN, we were NOT doing business with them. They had NO RIGHT to request any information or issue any " fees '' - primarily because no one was doing business with them. YOU NEED TO CHECK THIS OUT, BECAUSE I GUARANTEE THAT WE ARE NOT THE ONLY ONES THAT THEY ARE DOING THIS TO ...     Their response to the fines that you have previously issued to them is reprehensible - They merely treat the money as if it 's payola or some type of licensing fees to enable them to continue the fraudulent abuse and theft that they routinely conduct against their consumer account holders. Because they know there is NO CONSEQUENCE.     Fines are not enough - CRIMINALS NEED TO BE CHARGED with their crimes!!!     And by the way : Did you EVEN BOTHER to notice that there are MORE COMPLAINTS on your site AGA INST WELLS FARGO, THA N ANYONE ELSE ...??????? By far - all you need to do is look.     CLOSE THES E STAGECOACH ROBBERS DOWN!!! TRUMP 'S PETTY  CASH BOX.
Consumer complaint received 2021-03-22
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. (TX)

Several law has been broken under the FCRA it over 30days Credit Bureaus never reply to my letter been sent to them to investigate my report, am emotional distress about my credit based on different item been place on my report which is stopping for living my best life, I can't get any home or apt due to lack of investigation credit Bureaus fail to carry out on my credit which was so painful if I have to go to the supreme court for this I don't mind, cause many rules has been violented under the FCRA by Credit Bureaus which was really affecting me for living my best life as a lawful citizen of United State of America, I can't get a rent for myself and family, I was taken for granted my the Credit Bureaus.
Consumer complaint received 2021-03-22
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. (FL)

EQUIFAX IS IN VIOLATION OF SECTION 609-811 OF THE FCRA AS THEY ARE CURRENTLY REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE ATTEMPTED TO RESOLVE THIS MATTER BUT THEY HAVEN'T RESPONDED. 

THE ITEMS BELOW ARE WHAT IM COLAINING ABOUT. : XXXX XXXX XXXX { ACCOUNT } INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. 
ADDRESSES : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX GA XXXX XXXXXX/XX/XXXX, XXXX GA XXXX
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I XXXX XXXX XXXX XXXX Have misspelled Information on my credit Report My address is XXXX XXXX XXXX XXXX XXXX, Al XXXX My phone number is XXXX. Anything else should be removed from my personal information.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AL)

I contacted XXXX about an account that was opened in 2019 last year. They said they do have an account but some of my info was different than what they had. The account was sold to true accord and I contacted them on XXXX they were investigating and said that XXXX had XXXX days to respond. Its not XXXX. I contacted them on Monday and Wednesday XXXX they said XXXX  has not responded. My rights are being violated and I need answers.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX  are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX  XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. XXXX hours away and yes we were going to divorce but agreed to wait a year until my XXXX XXXX  and my XXXX XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like XXXX different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (CA)

American First Finance I purchased a refrigerator with the option of no interest if paid in 100 days. The amount was {$1000.00} with {$50.00} down payment, leaving {$950.00} to be payed. I paid the loan off before the 1st payment was due. I was charged an early payoff fee {$44.00} or it was called a finance fee. 
My question is this legal? 

During my phone calls to XXXX the American First Finance co charged {$0.00} to my XXXX bank credit Card
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XXXX XXXX XXXX stop reporting my payments to the credit bureau agencies from XX/XX/XXXX to XX/XX/XXXX. Their reason/excuse is due to the economic relief Cares Act which has actually hurt my credit rather than help it. In addition to this, XXXX XXXX have FALSELY reported my payment history in previous months. They reported my account to be 60 day late twice in XX/XX/XXXX and XX/XX/XXXX. I disputed this information with the credit bureaus twice but the inaccuracy remained. Finally I wrote XXXX XXXX XXXX department on XX/XX/XXXX, they replied to me via mail and according to their own research, the payment history they provided for my account DOES NOT show any 60 day late in XXXX ( see attached ). So the information provided to me from their research letter IS NOT the same information they're providing to the credit bureaus.I provided the letter to the credit bureau ( XXXX ), they acknowledge the discrepancy, however they inform they are not able to update the information without XXXX XXXX XXXX providing them the updated information. This issue has made it extremely hard for me to purchase a home for my family as well as other financial obligations ( rental, auto refi, etc ). Infiniti Financial Services should be held accountable of the way they've mishandled my accounts. This is a clear violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I rented a car from XXXX XXXX car company in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the car company stating that I had received a speeding ticket by photograph and that I would need to pay XXXX {$530.00} to pay the ticket. I contacted DC to try to gather more information to dispute this ticket, as I had been advised that speeding tickets may be contested ( and are frequently incorrect in DC ). I also notified XXXX that I was disputing the ticket. 

While I was waiting for a result from DC, I then received a second notice from XXXX on XX/XX/XXXX, whereupon I immediately sent a check out for {$530.00} payment to clear up the issue. This is notice XXXX. On XX/XX/XXXX, my check was cashed by XXXX. On XX/XX/XXXX, I received a notice of collections from Transworld Systems Inc. stating that I owe {$100.00}. Transworld said that this was transferred to XXXX XXXX XXXX and the account number is XXXX. The Transworld Reference No. is XXXX XXXX. Attached to the letter from Transworld is a copy of the XXXX notice that states that I owe {$530.00}. There is no mention of an additional {$100.00} owed. I have now called XXXX and Transworld multiple times to get this cleared up and have not had any success ; they just keep sending me the same {$530.00} bill that I have already paid. Please help me.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2020 Huntington transferred a small Mortgage Loan of mine to another bank ( XXXX XXXX XXXX ), but they managed to transfer an incorrect amount. In the beginning of XXXX I called both XXXX and Huntington to try and fix the discrepancies between my final balance at Huntington ( {$1100.00} ) and what they sent on to XXXX XXXX {$1200.00} ). XXXX was fairly helpful but unable to do anything until they had proof from Huntington that the transfer balance amount was incorrect. Huntington refused to move forward until I received my activity statements from Huntington, which took 6 weeks to arrive at my house. Meanwhile XXXX immediately provided the document showing the loan transfer amount, which was signed by a Huntington employee. Once I had the activity statements around the end of XXXX, I began calling Hunting again, about 4-5 times a month to ask if they've resolved the issue. Around the end of XXXX Huntington decided they needed the document from XXXX and would not move forward with resolving the issue until they had it ( why did they not ask for this sooner??? ). I sent the document to Huntington that same day, and then they said they would have their research department look into and reach out to XXXX. I've called multiple times since then and each time was told that the research department has already reached out to XXXX to rectify the discrepancy. It's now XX/XX/XXXX and they still have not resolved the issue. I contacted XXXX  today and they said they still have not received anything from Huntington.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the Fair Credit Reporting Act Capital One Accounts # XXXX & # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. XXXX5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2021 I mailed documents to Experian documents including a police report stating someone used my identity. On XX/XX/2021 I attempted to upload my ID and Police report to experian.com/upload. 
the upload process is close to impossible. I made many attempts to first upload the 2 page police report. after 10 attempts to upload the police report and ID I was still unsuccessful. I then split the PDF document into 2 pages and attempted to upload the police report. This time it was successful. Why doesn't Experian inform people that they must upload each document seperately? I then attempted to up load my ID in black and white as Experian requested and i have still been unsuccessful. 
On XX/XX/2021 I called Experian to confirm that the at least received the police report and they said there was no files they received. I explained to Experian that I have screen shots stating that my upload was SUCCESSFUL. I was told they would call me back