davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MIDLAND CREDIT MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT : XXXX ) NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-01-05
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. (NV)

I have countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. Experian, XXXX  and XXXX are not following the law and removing inaccurate information nor are they verifying information, please help.
Consumer complaint received 2021-01-05
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

Caliber Home Loans was required to pay my property taxes via my escrow account in XX/XX/XXXX. As of today, XX/XX/XXXX, my property taxes are still outstanding. I have contacted Caliber three times and have been told they show that the taxes were paid on XX/XX/XXXX ( which is a violation, even if it were accurate, because they are required by regulation to pay in XX/XX/XXXX per Florida requirements ). I have now closed a refinance loan with another lender and had to pay my outstanding taxes ( again ) and the late penalty. I would like my escrow refunded as my taxes were never paid. Caliber Home Loans has not been responsive and I am concerned I will never get my escrow funds back. I have documentation showing the taxes were never paid, but that nearly {$4000.00} was withdrawn from my escrow account on XX/XX/XXXX. I also called the XXXX County Tax Collector who verified that my taxes were never paid on or around XX/XX/XXXX and that as of today they are still outstanding. These taxes will be paid soon by my new title company, however Caliber Home Loans needs to refund my escrow in the amount it withdrew plus the late penalty fees I had to pay due to their negligence.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

Chase my bank has a policy of even when I have a negative balance pays charges that may come through because they were set up on auto payment and are way to easy to forget about. With every company putting these monthly subscription plans in place for everything and having a different account and password keeping track is so hard and time consuming. Well my point is that I have requested from Chase so many times that if there is no money in the account or if it is negative or overdrawn then don't approve the charges but they do not give that option no matter how many times I have requested it. It was always bank policies that if no many in account checks are not paid.

This month Chase has approved charges when my account balance is negatives for 6 times ( XXXX $ XXXX {$200.00} for overdraft fees added to the amount of the charge ) and there is nothing I can do because Chase Bank has no reason to stop doing this since it makes them so much money. I have called and sent messages to Chase. This happened to several people I know also.

Chase does this as a way to charge more and more fees and if I could I would close my bank account because it's not fair and should be banned business policy. Clearly my bank account is not working in my favor as a benefit. Chase even says that they can decide which charges to pay and that tells me that they know the balance in the account and they choose to approve the charge so they can charge fees. The check policy never allowed for a check to be approve if a negative balance on accounts. Credit card charges are not approved if over account limit. Those are common sense bank policies and I agree with. The fact that all of these transactions are electronic and processed by computers doesnt require Extra processing of each charge. 
If there is anything you or your office can do to force big banks to stop this business money grab then I beg you to do anything. This is a coordinated policy from banks that routinely have caused financial problems that force people to suffer because everyone has no choices since we need to use the banks. 
If you or your office has any questions on this please feel free to ask me. I know this is hurting people who already don't have enough money. 

Thank you for anything you can do and have done in these difficult times. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-21
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. (FL)

i submitted my dispute on XX/XX/2021 with certified mail to ensure delivery i then waited the allotted time for a response then after 30 days with no response i sent a follow up letter on XX/XX/2021 certified again and still no response the total time for my dispute has been well over 60 days and no information or update
Consumer complaint received 2021-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (MS)

I have spoken to someone from XXXX XXXX XXXX in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency Consumer Adjustment Company being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on Consumer Adjustment Company , INC. collection agency. I received a response from them within 2 days. CACi told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on XXXX XXXX XXXX, Consumer Adjustment Company , INCXXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.
Consumer complaint received 2021-01-05
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-21
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)

I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago
Consumer complaint received 2024-02-26
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 (LA)

My ill health problems has caused me to not be able to continue to work and take care of my obligations. I am XXXX XXXX XXXX and can not properly take care of debt the way I use to be able to handle payments. I never missed a payment and was always made timely payments never missing a payment. Please help me with this situation.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I had checked my credit report on XX/XX/XXXX and saw an unfamiliar credit card on my record. It stated it was an Amex card ( number starting with XXXX... ) It was opened in XX/XX/XXXX. The current amount balance is {$29000.00}. At one point that highest balance was {$72000.00}. After calling American Express, I learned that it is a personal credit card and I am listed as an authorized card user and not the main card holder. They had at least added my name and social security info. I had call 3 credit bureaus on XX/XX/XXXX ( XXXX, XXXX, XXXX ) and they will be investigating this issue. In the mean time, I had the credit bureaus put a credit alert and credit freeze moving forward. I had spoken to Amex again on XX/XX/XXXX and will said they will be investigating this issue as well and will see if they can remove me on this account. I'm just afraid that whoever is using my information will try to do damage on my identity and credit. Amex was unwilling to share the information of the main card holder.
Consumer complaint received 2023-02-08
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. (TX)

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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Consumer complaint received 2021-01-05
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: National Credit Adjusters, LLC (CA)

Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is National Credit Adjusters. They said a debt was sold to them by a company called XXXX XXXX XXXX. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call NCA again. So I called NCA again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company NCA are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (FL)

On XXXX I used the 24 hour drive thru atm at the XXXX  florida location after bank hours. I did make a mistake and use the wrong card. I deposited XXXX dollars. The atm said error with deposit returning cash and then said error returning cash. It had some money sticking out thay I had to pry from the machine it was a total of XXXX dollars instead of the XXXX. I called the 1800 24hour customer service right away they said to go in to the branch after getting and understanding what had happened. An investigation was launched In which i was told there was no overages and no way the money could be jammed. I asked about the cameras because i had sat there and counted the money i pried from the machine they said they saw me receive money and started i got the full amount back. I already assumed from the way the lady at the bank said the investigation could be denied that they assumed i was lying and just trying to get free money. After it was denied I called back several times asking them to double check the atm and cameras because I didnt receive my money. Was told there's no possible way it's in the machine and they service them their selves and nothing else she could do for me
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (NY)

I saw a credit collection on my credit report from Penn Credit Corporation This is a debt that was tried to be collected by another company. 
I contacted the previous company to get more information and that company failed to provide any information. The debt was removed and now this company is showing on my credit report. 
I contacted Penn Credit Corporation on XX/XX/2021. I spoke to a XXXX, who was very unprofessional and asked me for my personal information over the phone, social security, address, etc. 
I responded by saying, if you are trying to collect a debt, you should have that information already, I'm not giving it to you. 
I confirmed the last XXXX digits of my social security number and then, she proceeded to very unprofessionally ask to pay the debt. I said, I would be willing to look at a formal correspondence from this company about the debt to be collected. I asked if she had my address and she said she did, which was correct. I asked them to send me a letter specifying the debt and whatever terms I needed to adhere to. She did not mention anything about what my obligation were in regard to disputing the debt or any other information. 
I did not receive any written notices about the debt or any other communication. 
The debt collector mentioned above did not provide any of the information they are required to provide and they did not send any written documentation after that call, as they are required within XXXX day. I requested the written notice and still did not receive anything, over a month ago.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

When you pay with paypal you have two balances. One is your balance of special purchases which have 0 interest for a period of time. The other is a balance with interest from non special purchases. When you pay it automatically applies the payment to the balance without interest and gives you no option to tell it where to apply the payment towards. This mean if you just pay it will always go to your non interest balance and you will accrue interest on your interest balance unless you call them to allocate it after the payment has cleared. This is a very obvious was to get you to accrue interest as it is not clear at all that this is happening.