davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning an account I had that went into collection. One is with Midland Credit Management the original creditor was XXXX XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. I made an agreement with Midland Credit on XXXX, received my settlement offer letter by mail and the check posted to my family 's account XXXX Ref # XXXX. I have been reaching out requesting a paid off letter/notice as promised by Midland and have been seemingly getting the run around & being told to check back in a week, it's pending a settlement etc.. I was also told I could go online to MCMXXXX. I did so and it seems as if Midland generated a 2nd account with the balance of the Original Credit amount owed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. Midland has been ask by me to provide a definitive day & date I can retrieve and receive a notice reflecting a {$0.00} balance and to date it has not happened. I even asked why does it appear that another account was generated as if I did not pay the amount agreed, no clear response was provided to that question either.The Original amount owed was {$690.00} and the settlement offer they made and I accepted on XXXX was for {$590.00} ; which leaves a balance of {$100.00}, which I see outstanding. I need assistance please in the form of a Paid-Off notice. 
Thank you in advance XXXX
Consumer complaint received 2021-08-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collins Asset Group, LLC (OH)

I ( the consumer ) XXXX XXXX have spoke with this company multiple times on recorded lines about this fraudulent account that I do not owe. The numerous times I spoke with the reps I told them to stop contacting me through all forms of communication and they clearly are ignoring me and used non stop obscene and profane language and continuously kept saying I owe this debt that they ( purchased ) from XXXX XXXXXXXX XXXX XXXXXXXX. They have sent me numerous post cards attempting to collect a debt and they have also reported this fraudulent account to the consumer reporting agencies which heavily effected my credit score. Due to the major negative impact it has retriggered my XXXX causing me to fall behind on other credit card payments and rack up multiple late payments hurting my credit report more. My XXXX is XXXX  my ability to sleep, work, and properly function in my everyday life. This collection account caused me to be away from my family, I am currently living out of my car because my spouse thinks im bad with money and our finances and seeing these letters and account on my consumer reports damaged her trust in me with our income. Lastly I have been denied numerous credit cards and auto loans because underwriters see this negative remark on my report. I am now seeking legal counsel and litigation proceedings through District Court because of the amount of irreparable damages that has been done to my life.
Consumer complaint received 2021-08-09
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. (SC)

I XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.
Consumer complaint received 2021-08-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

this time they sent XXXX at XXXX ext XXXX he stated I am the successor and he was sending me a packet in the mail to complete the assumption even though this has been done a few times this time it was for real??? I went to go see my home???? My home is completely destroyed- that code compliance when I called told me the owner is XXXX XXXX XXXX the highly recommended dependent administrator- whom with the ex-wife working with XXXX XXXX and XXXX trustees and select portfolio service who hired- XXXX- as charges on every single bill was for preservation, and the fact that the Code Compliance by XXXX XXXX on his sending a cleaning crew to clean up and they clean out my home of property and autos are all gone- and grand theft auto? every single file and computer device burglarized- and it makes sense why they prevented my return to my home- was because they had made it so unlivable- and demand they repair the damages and the cease and desist on the fraud acts of charges for services they never planned to do but only wanted to extort money viacariously to charge and make a fraud earning at my expense and losses- They took the laws into their own hands and trespassed, had others trespass without notice or warning of such destruction- They have extorted a vulnerable adult protected under ADA sec 504- as they deprived me the rights to have an assumption and modification- as it was used to run the clock and tally up a loss by their hand not by mine- and then want to tac it on as a bill I owe when in fact they owe me as the law states 3x my losses- I meed to file an insurance claim- not on the insurance I was paying for via the billing statements as this is fraud and corruption to ruin the structure of the home to bank on insurance- so need my home back to a home that is not a health hazard as it is for me and the public- I have been deprived of home and property by the court appointed administrator the liasons who viacariously are responsible for the gross neglect of the illegal acts of this dependant administratpr- as he never cared about the benificiaries just the forclosure- I demand Justice- I been complaint after complaint- still they do not care as its like too many people they have hurt one class action after another- please advise
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The reason for this letter it to dispute an incorrect information that was not verified accurately on my credit file. Public record list a Chapter XXXX Bankruptcy. This information is not correct should be removed entirely from my credit report. I received a letter from US Bankruptcy Court ( XXXX, FL ). This courthouse does not report civil matters. 
I have been a victim of ID Theft in the past. Please reference a copy of the police report filed with XXXX XXXX XXXX, Florida. 
ATTACHED is CORRESPONDENCE FROM XXXX XXXX CONFIRMING THE DELETION OF THE BANKRUPTCY.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/ Reference # : XXXX.
Consumer complaint received 2021-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

XX/XX/XXXX XXXX accessed my credit report without my permission or request. I reported this to Equifax as a dispute that date received notification today that the investigation was complete and I could view the results at Equifax dispute center. Was unable to open the report. Called Equifax dispute center and was told investigation was closed. Also, it was indicated that the inquiry would remain on my credit report for 2 years. This inquiry adversely affected my credit score and I asked Equifax to remove the unauthorized inquiry or to note that the inquiry was not authorized. Was told they can not do this unless I file a complaint with FTC or police. This is that complaint.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (SC)

A credit card in my name with NFCU, and my husband as an authorized user is the card in question. A settlement amount was agreed upon and I paid this amount in full. I received an email from NFCU confirming payment in full and conversations with reps at NFCU confirm paid in full as well. The problem is the GIANT RED BOX placed at the top of my account page " for information purposes, not to collect a debt ''. 

The GIANT RED BOX takes up 1/3 of the screen on mobile and can NOT be closed on mobile. I've sent a secure message asking this question, called the credit card department, the resolution department and technical department. I've been transferred multiple times and two people said they could re-enter the debt was paid in full and settled to see if the alert would be removed. It removed the alert for that day but it returns in the morning. This would require a daily call to NFCU reps to have the alert removed. XXXX in the " technical '' department told me this alert would remain on my account forever since the card was part of a bankruptcy. He said this was " in compliance ''. I've never filed bankruptcy and I settled this debt, paying in full. 

I refuse to believe each day when I open my bank account I must stare a red exclamation and box covering 1/3 of my mobile screen. To date not a single person has been able to describe the compliance code they are following or how to remedy this issue. 

This red box removed, permanently, is my request. 

Thanks, XXXX
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I reached out to the bureaus months ago in regards to improper reporting on my credit profile. I still have not received any results or paperwork in regards to the dispute.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be 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. 

The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX TX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company have no responded in the past 30 days.
Consumer complaint received 2021-08-09
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. (NJ)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX Fraudulent Inquiries XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute the accuracy of the information being reported by the credit reporting agencies regarding the account with XXXX. The information being reported is inaccurate and in violation of my consumer rights under 15 U.S.C 1681e ( b ). 

The inaccuracies include discrepancies in the dates associated with the account : Date the account was opened Date of last payment Date last active Date it was last reported These inaccuracies are causing significant harm to my credit score and financial standing. As per federal law, credit reporting agencies are required to report accurate information and this account is not accurate. The discrepancies in the dates associated with the account with XXXX are a clear violation of this requirement. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate measures to ensure that the credit reporting agencies correct the inaccuracies in their reporting. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am filing this complaint because Credit Bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (NY)

On XX/XX/2021, I received a collection notice from Credit Control LLC about an alleged debt I owe to XXXX XXXX XXXX and I responded back on XX/XX/XXXX with a debt validation letter, on XX/XX/XXXX I received a letter from XXXX XXXX saying I requested a verification on a debt and sent me a credit one bill with an address in another county, I would like to know how is it possible for two of these collection companies can be writing me about the same debt and when I write one another one responds, I will attach all documentation from these collections companies to make sure they are doing the correct thing.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

My original amount was {$640.00} - XX/XX/XXXX, my monthly payments was approximately {$43.00}. I made payment of {$50.00} for the month of XXXX, XXXX, and XX/XX/XXXX, on time. Then in XX/XX/XXXX, I missed the due date and paid 2 days later, and was charged {$29.00} late charge, and that month I paid {$43.00}. I've continued to pay {$50.00} XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, either before or on the due date. But because I was late paying in XX/XX/XXXX, they have charged me {$40.00} each month as being late, therefore, although I've paid {$300.00} since XXXX, my account remains the same, because they take {$40.00} of my payment as being late. I feel this is FRADULENT and they should be made to post my {$300.00} I've paid to my account, plus the {$29.00} late charge for XXXX. This is considered HIGH CLASS STEALING FROM THE CONSUMER. I WANT MY MONEY APPLIED TO MY ACCOUNT.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I accidentally transferred {$15000.00} to a closed citibank checking account ( XXXX ) from my XXXX XXXX. Citibank wont reverse the transfer and won't give me my {$15000.00} back. Please help getting my fund back. Thanks.
Consumer complaint received 2024-03-25
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. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (IN)

Pursuant to 15 USC 1681a ( 2 ) any extension of credit or approval should not be included on a consumer report. I pulled my credit report and realized that
Navy Federal and Transunion are violating my Federal Rights as a consumer I, XXXX XXXX, Did NOT Give them permission to furnish these inquiries on my credit report.

Under 15 USC 1681n, both companies are civil liable for willful non compliance.

An Agent Named XXXX said she was not deleting them and then rudely hung the phone up in my face as I was trying to get these items of my credit report.
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The lending institution is Citizen 's Bank, XXXX, XXXX XXXX XXXX, XXXX, RI In XX/XX/XXXX, I made a {$5000.00} payment on my car loan with the idea of paying off the loan ASAP. My monthly payments had been $ XXXX monthly. After, the {$5000.00} payment, I later learned that my monthly payments were reduced to {$58.00}, instead of continuing at {$160.00}, which made no sense. 

I had no inkling the payment terms had been changed until I called last week. I expected my balance to be close to being paid off due to the {$5000.00} payment and monthly payments of {$160.00}. I never changed my terms, never requested that my terms be changed nor did the bank inform me that my terms had changed from {$160.00} to {$58.00} dollars monthly. 

I spoke to a manager, XXXX, on XXXX XXXX, XXXX, Ref. No : XXXX and XXXX, on XXXX XXXX, XXXX, Ref. No. : XXXX. 

I calculate that {$1200.00} should have been paid to my loan had the bank not messed up changed the payment terms from {$160.00} to {$58.00}. I want things corrected. 

XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Inquiries are being mis-reported on my credit. There are numerous inquiries that I did not give permission to the bureaus to report on the days that were given. I feel taken advantage of, as the agencies did not do their job to make sure that the information they were reporting to each company was verified.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing INC are violating my rights because they are still reporting this UNVERIFIED debt as mine and they're many inaccuracies in their reporting. In response to my initial attempt to validate the debt they responded with a bill.. A bill DOES NOT constitute as debt validation.