davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$970.00}
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

Was sued by Midland Credit Management in XXXX of XXXX, they alleged that I owed a debt that they purchased from XXXX XXXX XXXX. 
I sent notice to court with intent to defend, on the court date Midlands  attorney XXXX XXXX had me meet prior to the trial, where I was shown documents of the alleged debt and convinced to make a settlement or face trial ending with a judgement of twice the amount. Midland had prepared the records and hired the services of XXXX XXXX, I was not convinced that the debt belonged to me but under the pressure paid the settlement amount and signed the document presented to me by XXXX XXXX. 
Court document of settlement is attached as well as USPS records of delivery to confirm receipt of payment and cancelled check showing confirmed payment as per terms of the settlement. 
Per the advice of legal counsel after the settlement a letter was attached with the payment, stating that Midland  Credit Management would show the account paid in full and remove all negative information from my credit reports. One year later and Midland Credit Management is reporting that I still have an open account and balance. Attached is a copy of my credit record with XXXX XXXX showing paid as agreed. Midland  Credit Management sued and fraudulently collected on an account and will not remove or stop reporting a balance to the credit reporting agencies. It is clear that Midland Credit Management is in violation of FCRA rules. If there is no resolution I have attorneys prepared to file suit.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (PA)

I am requesting that the collection agency Americollect INC demonstrate that I do indeed owe the debt and that the agency provide detailed information and documents to prove the amount owed. 

Federal law says that a written notice of a debt, must be received by consumers. I have not received any notice or correspondence from this company regarding this debt. On XX/XX/2020 I received a notification from MyFICO that a collection was added to my report. Also after reviewing my credit report I noticed that Americollect INC did a soft pull of my credit in XX/XX/2020. 

I request verification of the amount of debt owed ; the name of the creditor for the debt ; and to have the erroneous charge removed from the my credit report. I am unfamiliar with this company.
Consumer complaint received 2020-10-01
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. (MS)

For months, i have been asking EXPERIAN & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from XXXX XXXX. However not only is it an FCRA violation to seek information from third parties companies, XXXX XXXX has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from XXXX XXXX. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and Transunion should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Dedicated Credit Repair (CA)

Was a previous customer for 2 years, paid as agreed for credit repair services. I was not satisfied with the outcome after 2 years of services and end services with them. I posted a review on XXXX  in I would not recommend them because of their outcome of services after 2 years. They claimed to be part of the DOJ and contacted the DOJ in which they were not located. They contacted me on XX/XX/20 to remove my negative review of their services and threatened me with legal action if I don't. As a consumer I have the right to say I was not satified with services rendered. I was harrassed and threatened for not being satisfied.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

I called BSI Financial on XX/XX/2022 for payoff for my 2nd mortgage. They advised me to go online to get the payoff amount because they could not tell me over the phone or confirm. I went online and found the full payoff amount that same day I went to my bank for a cashiers check for total amount and mailed to BSI. I also called to advise them I was mailing payment. They called me the week of XXXX XXXX XXXXXXXX stating I still owed {$260.00} to pay which at that time I paid over the phone. Today XX/XX/2022 I received a letter stating they are destroying my certified payoff check. Customer services can not give me answers and a supervisor keeps me on hold. I just want to pay off my loan in full. What company would not apply funds to an existing loan. This company needs to be investigated immediately due to unethical practices and fraud. The customer service keeps sending me to a voice-mail. This is XXXXXXXX XXXX XXXX
Consumer complaint received 2020-10-01
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: MARINER FINANCE, LLC (TX)

I sent over serveral affidavitts about this fraudulent items and most of the fraUD ACCOUNTS WERE DELETED EXCEPT 2. XXXX XXXX XXXX   ACC # XXXX, OPEN ON XX/XX/18. THE 2ND ACCOUNT IS MARINER FINANCE ACC # XXXX, OPEN ON XX/XX/18. THESE TWO ACCOUNTS GOTTEN REINSERTED ON MY CREDIT REPORT WITHOUT ANY DOCUMENTATATION OR PROOF.i PROVIDE THE POLICE REPORT AND THEY STILL WONT DO ANYTHING.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (NC)

I got numerous fraud charges on my Sears MC beginning XX/XX/XXXX. All charges were for an XXXX in XXXX. I was alerted to this by my monthly statement. Sears issued me a replacement card. That card also got another fraud charge on it, and I was alerted by my monthly statement. It was the same merchant, XXXX in XXXX. A XXXX search of the number on my statement for XXXX showed up many people complaining that this was a common occurrence that had been occurring with XXXX for a couple years! How did XXXX get my new account number? This was only the beginning. All fraud charges were eventually removed from my account only after an investigation. I have those letters from Sears Security Operations stating that on XXXX and XXXX. Then out of the blue on XX/XX/XXXX I received a check for {$1000.00} from Sears/Citibank. I sent it back explaining since I had not paid any fraud charges, that the check was not mine. They sent it back to me again and again, each time I said it was not mine. Now {$1000.00} appears on my bill on my closed account. They are saying that my account was credited twice for the same amt. They do not acknowledge I sent the check back on XX/XX/XXXX, XXXX & XX/XX/XXXX ( signed returned receipt each time ). My acct. is now past due according to an email received on XX/XX/XXXX. I figured out they arrive at {$1000.00} because my last fraud charge on my replacement card done on XX/XX/XXXX was for {$1300.00}. They deducted my final payment of {$330.00} which was for my true charges, and they get {$1000.00}. Makes no sense! Criminal. This badgering is nothing short of harassment. There's another whole ridiculous story to get to this point but I have limited space. It seems very nefarious between XXXX and Sears or there is something deeper going on with another entity. Please help me stop this nightmare and for other people too. Thank you in advance.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

ongoing issues with USAA regarding debit card disputes with merchants. USAA does not have a way for the customer to speak with anyone in the department that investigates and makes a decision about the dispute. USAA also does not have a way a customer can send additional information directly to that department. You can only upload a document on the " upload document '' feature on usaa.com and it does not allow you provide a description of what's being uploaded. you can only select what department it should go to, i.e. insurance, banking, loans, etc. 
i select banking. 

i had two disputes denied recently by USAA for merchandise i ordered in XX/XX/2020 and had not received when I filed the disputes in XX/XX/2020 over 90 days after the merchandise should have been received. I was notified there was usps tracking info that shows an item was delivered to my address, I told usaa it was never received. I was actually hospitalized on these dates of delivery and my postal carrier routinely does not deliver my mail or delivers to the wrong house. I never received the merchandise and USAA still denied my claim and removed the temporary credit. 

USAA acts as though they look for a reason to deny instead of even calling a customer to get clarification before doing so. 

i now have a new dispute that I filed on XXXX for XXXX and uploaded documents to usaa from the merchant that said the order could not be completed, the email from the merchant and my payment email from the merchant. seems simple, last night i get an email XXXX that they need more information, information ive already provided, information in the documents i uploaded that obviously no one bothered to look at. Again their practice is to find a way to deny disputes, i uploaded the same documents again. 

this seems to be a practice of USAA and if it's happening to me, its happening to other customers as well. 

XXXX for XXXX is still owed to me for merchandise not received for a dispute I filed in XX/XX/2020 that USAA denied. 

XXXX for a XXXX transactions that was done when my account was hacked by someone, login info changed and money sent to XXXX. that I did not do. This was FRAUD I've complained to USAA repeatedly about their inefficient dispute practices and nothing has changed. 

It's also their policy that you do not have to contact the merchant before filing a dispute but they use that as a reason to deny a dispute.
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2020-10-01
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: EQUIFAX, INC. (MI)

On XX/XX/XXXX I sent Equifax a letter asking for validation of an account on my file. The responded on XX/XX/XXXX that the account information was obtained by the court through a third party vendor, XXXX. After verifying with the court that they do not share such information with any credit agencies I sent Equifax a follow up letter XX/XX/XXXX stating such and that they're falsely verifying information they're reporting on my credit and that if they can not validate the information that they delete it. XX/XX/XXXX Equifax sent me an update that they verified this information, but they have no way of verifying it and have not produced anything to state otherwise. I called them after receiving the letter to let them know they were not properly verifying information and that if they did not correct the error I would have to report them. They refused. They have done this a lot in not truly verifying my information just saying that it has been verified. Please assist in the matter.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-01
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. (FL)

XXXX XXXX did not provide information on letter C ( Step 3 ) in the previous 1692gb letter that I sent them. They have not given me the a copy of your legal authority to collect the alleged debt on behalf of the original creditor. You are attempting to collect an alleged debt that I do not owe in clear violation of the FDCPA. I am attaching another document to this complaint.
Consumer complaint received 2020-08-04
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. (NY)

Transunion currently reports XXXX XXXX XXXX XXXXXXXX inaccurately. In and around XX/XX/2020 XXXX XXXX XXXX XXXX was reported on my Transunion credit report without notice 5 business days as required by federal law section 1681 of the fcra rules. This is a  violation.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-06-08
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: EQUIFAX, INC. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AL)

Jefferson Capital Systems I am responding to your notice that you placed in my con-sumer report under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (OH)

I received a collection notice dated XX/XX/2020 from Dynamic Recovery Solutions , LLC attempting to collect {$580.00} I supposedly owed to a company named XXXX XXXX XXXX. I didn't recognize the third party creditor Dynamic Recovery Solutions , LLC was collecting for so I wrote them a letter stating I had no record of owing money to an organization named XXXX XXXX XXXX. I sent my letter to Dynamic Recovery disputing the debt discussed in the collection notice and requesting the the name and address of the original creditor. I sent my letter to registered mail with a return receipt requested. I received a return receipt via the United States Postal service indicating my dispute letter had been successfully delivered to Dynamic Recovery. 

Instead of receiving the information about XXXX XXXX XXXX who is supposed to be the original creditor I received another collection notice dated XX/XX/2020. 

I think the Fair Debt Collection Practices Acts states Dynamic Recovery should not continue collection efforts until they have sent me the documentation I asked for.
Consumer complaint received 2022-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.