davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

Account XXXX XXXX {$560.00} I am writing to file a formal complaint against Midland Funding LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Midland Funding has erroneously furnished information about an account that does not belong to me on my credit reports. 

Furnishing Inaccurate Information : Midland Funding has reported an account on my credit reports that does not belong to me. This act violates the FDCPA and FCRA as it results in the dissemination of false information about my credit history. 

Debt Validation Sent to Wrong Address : Midland Funding claims to have sent a debt validation notice to an address that they had on file, which I never lived at. This failure to properly validate the debt and send the necessary documentation to my correct address is a violation of the FDCPA. 

Incorrect Address on File : A representative from Midland Funding provided me with an address they had on file for me, which is incorrect. I have never resided at that address. This raises significant concerns about the integrity of their record-keeping and the possibility of identity theft or misuse of my personal information. 

The presence of this account on my credit reports has caused undue stress and potential harm to my credit standing. I am also deeply concerned about the security of my personal information. Midland Funding 's actions have made me consider going to the incorrect address to investigate who might be using my information, for which Midland Funding could be held liable for any resulting issues.
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

I had my son onXX/XX/2019. I received a statement a statement for anesthesia services onXX/XX/2019 for $XXXX. I paid the balance of $XXXX in full on XX/XX/2019. Since this point in time the company has sent the balance to their collections agency and I have been contacted twice. Both times I let them know I paid the balance and sent a copy of the charge on my credit card statement, and was told that was not enough proof for the company. I then contacted my credit card company and had them do a three way call directly to the company and they were told the charge for the exact balance was paid. They again asked for something in writing and I faxed this over to them. Since I have had no response. I then logged in to their online portal and can see the balance still shows as owed. I emailed them in via contact us/inquiry portion in their portal with proof again and still no response.
Consumer complaint received 2022-10-02
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. (TX)

XXXX XXXX is reporting incorrect information on my credit profile. I have reached out via mail and phone several times for them to correct and update this information. However, I only received a letter stating they are not sure what I am asking for when I have clearly requested the removal of this account from my credit profile as it is hurting my credit score and creditworthiness.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

We have been trying to resolve our past payments that were missed with our lender PHH mortgage. We tried to set up a payment plan over the phone with the lender PHH, had a verbal agreement of {$5000.00} dollars a month in XXXX, never received any formal information in the mail as promised and had our {$5000.00} check refused ( see attachment ). In XXXX, we sent {$10000.00} to the lender, but they said it was not received. In XXXX our mortgage statement was {$22000.00}. We sent a check over the amount for {$23000.00} that was refused due to insufficient amount to cure default. The funds we provided before the XXXX of the month, but yet not only refused and still late fees were applied ( see attached ). Upon calling our lender, multiple times, being told that we will hear from the foreclosure lawyer, not given a number to contact, calling again to get a number, given a number, emailed the assigned lawyer but still no contact or ability to clear this up. We currently have a monthly statement for XXXX for {$26000.00}. We have the funds to pay this amount and am currently working with someone at XXXX to help clarify with the lender of what is actually needed. We will be contacting the lender again tomorrow together XX/XX/2019 to get a clear answer on what is actually due..
Consumer complaint received 2022-04-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Army and Air Force Exchange Service (TN)

On XX/XX/2019 I spoke to XXXX letting her know that has open this account fraudulently and sent all the required documents asked from XXXX. We have contacted Military Star via phone on XX/XX/2019 ; email sent to XXXX XXXX XXXX stating this a fraudulent account ; email on XX/XX/2019 to XXXX with all information - police report, federal trade commission, and CFPB report. Military Exchange still reported to the creditors and we had to file a separate complaint to all the credit bureaus with the information - police report, federal trade commission, and CFPB report. All credit bureaus have removed the item from my credit. Military exchange continues to send letters after multiple letters stating they will garnish my wages. Military Exchange continues to harass stating I am still liable for this debt.
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (MO)

I didn't know I was going to have to verify with my ID so when I sent XXXX to it when I did the online app it got restricted with my XXXX still in there until I get ID. I got ID finally and they still won't verify it. I have the paper that they give you before I get the real copy they don't accept that. It got escalated to the other department that's above them they denied it still. I done submitted so many times and still REJECTED!
Consumer complaint received 2024-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

I sent {$31000.00} through wise.com on XX/XX/XXXX. As of today, XX/XX/XXXX, the recipient has not received it. I have been in contact with Wise for more than a week and at first I was told to wait for a few more days. And then a few more. The date that they told me the transfer will be completed reached, and the recipient still hasn't received the money. I told them this and their response was they can try to trace it but they can't guarantee it will be successful and that the process can take weeks. 
I did some research and it appears that this has happened to quite a lot of people. I'm a small business owner and can not afford this magnitude of a loss.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-06-06
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CO)

XXXX XXXX has reported a charge on my credit report and I have no idea what it is. They said it was from a debt in XX/XX/XXXX. I have had two real estate purchases and one car purchase since XX/XX/XXXXand this account, the account number and the account name does not show up on my credit report. I requested a validation of debt on XX/XX/XXXX. They did not have any of my current information as far as address and phone number although I had a current and active XXXX account. I was assured the statements would be mailed immediately. On XX/XX/XXXX, I was informed the " debt '' was sold to Midland Credit Management on XX/XX/XXXX. XXXX, 6 days AFTER I requested the validation of debt. As a consumer, I have the right to receive from XXXX XXXX to validate this debt. The debt is over 7 years old and I have  zero visibility or knowledge what this is. As stated, this account did not show up on my credit report that was pulled in XX/XX/XXXX. All my accounts showed up to date and current. XXXX XXXX  has refused to validate this debt! 
So now what? Am I going to get harassed from MCM? This also needs to be removed from MCM.
Consumer complaint received 2019-12-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My Credit Score should be XXXX at TransUnion XXXX and XXXX. I feel I am by Discriminated against because I am XXXX American. I feel all three credit Reporting agencies are giving me low scores to keep me, from getting loans at a decent interest rate. I want an investigation into all three reporting agencies.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2019-12-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-10
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: EQUIFAX, INC. (NJ)

I requested my annual credit report from Equifax by mailing the form on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying I needed to post to them a load of identifying personal info to prove my Mailing and Current Address. Problem is despite my filling out the form as such and the fact that the mail reached me at my current address which is also my mailing address, they've decided that my former residence is my mailing address ( then why did you mail it to my actual address ). Halfway down the letter as they explain all the hoops they want me to jump through to get something that I'm legally entitled to they change it up by saying that my correct mailing address is my mailing address. So then which am I proving? I got the letter hence this is my mailing address, and I live here, pay taxes here, am registered to vote here, and all my credit lines reflect this as my address. Yet, apparently I need to prove I receive mail somewhere I don't to see my credit report? The whole exercise just seems blatantly designed to make them not need to follow the law and instead sell their credit reports as simpler to get. Luckily they've used my signing up for monitoring from their breach to bombard me with adds telling me to just pay them for the report, surely there's no gain for them sending contradictory and confusing letters to add hassle to the actually free option.
Consumer complaint received 2024-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Case number : XXXX Capital One only addressed ONE account ending in XXXX. They failed to address other accounts ending in XXXX ; XXXX and XXXX. They also did not address the issue of refusing to allow me to change my registered mobile phone number which was changed over 18 months ago. Still to this day they refuse to change the number from the previous ( XXXX ) XXXX. This is outrageous. They ruined my credit score and now conveniently claim there was no contact. I have written confirmation form Capital One that they DID receive all the documentation they required to verify my identity and yet refused to process it. I also have phone company records that show I called them several times over the course of many months while residing overseas to resolve this simple issue of primary phone number change but they refused to help me. The attached pictures show the confirmation email showing I did send them the required documents as well as just three out of several calls I made to resolve the issue. They refused to take action. Capital One practices are unscrupulous.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I enrolled into XX/XX/XXXX on XXXX Tenn. XX/XX/XXXX My spouse enrolled in XX/XX/XXXX. I graduated top in my class on XX/XX/XXXX.My spouse graduated XX/XX/XXXX.We set out after acquiring our license to open XXXX and make lots of money!!! I discovered the theft of all our financial aid and loan monies in XX/XX/XXXX. I had already been given the run around by corporate many times prior to this date. I couldn't figure out why I was having problems as I attempted to work in the XXXX XXXX to feed my family? I discovered that these people had enrolled me into their XXXX NY campus, maxed out a {$30000.00} financial aid and loan package and said, '' transferred ''? Presently they are cyber and physically stalking me and my spouse. Call into all job opportunities getting me terminated. I last worked as a XXXX  XX/XX/XXXX in XXXX TN for XX/XX/XXXX on XXXX XXXX an affiliate of XX/XX/XXXX where I was wrongfully terminated and my commission monies over XXXX dollars was seized. License as well. Are these criminals above prosecution? XXXX XXXX XXXX stole my and my spouse identities upon enrollment. They still have it!!! We are presently XXXX  living in rest stops trying to get these criminals off our backs!!! EEOC case # 's XXXX ; XXXX ; XXXX are still active matters ( EPA  ) that these criminals seized control over!!! XXXX was a matter where I was ran off my job as a XXXX  for XXXX XXXX in XXXX XXXX XXXX in XXXX TN. My spouse was employed here at this XXXX XXXX XXXX   prior to myself. She resigned because of harassment and bullying. I began working there.XXXX XXXX XXXX/XXXX   is the leader in the XXXX  XXXX  as a result they break all the rules regarding discrimination!!! They bribe anybody " on the take ''. Vicious unethical criminals!!!
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

One XX/XX/year>, I contacted American Express about a late payment. I had a payment due for one of my cards on XX/XX/year>. I had forgotten to pay, but I have had 100 % perfect payment history for about 3 years. 

Amex initially told me they could not wave the fee, and they had no power to do so. I asked for a supervisor, and they waved it. I think it's unfair that they can charge a fee, and then be dishonest about not being able to take it back.
Consumer complaint received 2024-06-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

On Wednesday, XX/XX/XXXX, @ XXXXXXXX XXXX, I inquired about an application for loan forgiveness due to misconduct on XXXX 's behalf. I was told she had to check if the school was on the list. Only to find out the school was on the list but my " loan type '' was not eligible. I don't understand this, this loan was taking out by XXXX XXXX and XXXX in XXXX, for educational reasons only. I lacked the knowledge to distinguish which loan type to request. Additionally, I was told I could not receive an application because, at the customer service level, I didn't qualify. I don't believe customer service reps are qualified to make this decision.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (TX)

I received a letter from a debt collector saying i had a debt of utility bills of XXXX XXXX  and pay off the bill about a month later. I was staying in XXXX  on XXXX and a funded XXXX  XXXX  but on XX/XX/XXXX my funding was discontinued and i had to leave XXXX  and stayed with my relatives in XXXX  XXXX. Interestingly, now i am again a funded XXXX  XXXX  in XXXX  and on XX/XX/XXXX i received a letter about the debt and after accumulating the money, i paid of the debt on XX/XX/XXXX. 

However, the debt collector report this to XXXX  but not to XXXX  or XXXX  and because of the report i am denied to receive any other credit card. I had an experience of financial hardship which delays the payment but i paid this off eventually. 

Since, i was not informed before and paid of the debt soon after receiving the letter about debt, i would request to take this collection account off from my credit report.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2020-01-15
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: EQUIFAX, INC. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-01-15
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. (NJ)

XXXX XXXX is reporting false info.Transunion  and XXXX  both stated they have no late paymeny history on my mortgage payments dueing 2019.XXXX XXXX is reporting 5+late payments.There is no available contact info numbers to contact XXXX XXXX.My score dropped 116 points from excellent to fair.
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I was out of work in from XX/XX/XXXX until XX/XX/XXXX. I reached out to Carrington Mortgage ( the mortgage servicer ) to notify them of my circumstances. The representative told me that I should apply for loss mitigation. I submitted my documents, and I was told that they wouldn't report negatively on my credit report. After approval I made payments as agreed.