davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
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)

To my knowledge, I have never received any written notice of my right to dispute my credit card debt. 
From the mail I did receive, from an Attorney 's Office, the amount of my debt was disproportionate to the credit limit of the two cards that I defaulted on.

My cellphone, which did not have unlimed minutes, was called from various numbers daily, 4 to 5 calls per day, that were not identifiable. I did a reverse phone search and found them to be from
'bill collector ' or 'Midland Credit ' . 
We have a court date, of XX/XX/XXXX, here in Pennsylvania. I have since learned that debt to a credit card company in this state is removed in 4 years. 
I'd like information about my debt. When my last payment occurred, and the balance due when it was charged off by the original creditor. 
Midland Credit has moved the date of the hearing that I requested from XX/XX/2022 to XX/XX/2022. 
I need to know what's legal and any info I can get on those accounts. 
Thank you for your help.
Consumer complaint received 2022-06-05
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. (AZ)

On XX/XX/22 I recieved a notice my credit score dropped XXXX points from my XXXX XXXX XXXX that uses transunion credit reprting agency to create your credit profile. There was no change to my report. There is still a negative remarks from XXXX XXXX XXXX that needs to be corrected. There was no change or additional comments to my report about this drop. I provided screenshots. I will be seeking legal council regarding this with my attorney XXXX XXXX. I will file motions against transunion if this isn't corrected. There is no information that has changed and I'd so I need an explanation and a XXXX good one for a XXXX point drop. I want a phone call from a transunion rep immediately with an explanation or some kind of proof into such a large drop.
Consumer complaint received 2022-06-05
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)

In accordance with the Fair Credit Act XXXX/XXXX  XXXX  XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-05
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. (GA)

In accordance with the Fair Credit Act XXXX/XXXX  XXXX  XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC, a debt buyer, attempts to collect an old debt that has reached its statue of limitations under new California Law. PRA, LLC continues to report negative and misleading information to XXXX, as a result of inconvenience of applying various loans.
Consumer complaint received 2022-06-05
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. (MI)

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Consumer complaint received 2019-08-06
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. (AZ)

I have disputed the student loan account with Equifax for several attempts..The student loan listed here is not accurate -- Account number, Company Name, is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 2023-06-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Action Credit, LLC (TX)

On XXXX XXXX,2023, a representative from the Loan Company XXXX XXXX came to my workplace. She asked when I could begin making payments again I did advise her that I was currently struggling and I would try to catch up in the upcoming month. I do Acknowledge I am behind and I communicated to her when she came by and processed to call her Supervisor and she asked more questions about payment I repeated that I was trying to catch up. The agent who came to my work asked me to take her cellphone but I am in a public office that has camera 's and I did tell that I couldn't take her cellphone.
Consumer complaint received 2024-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NV)

After Freedom Mortgage took over servicing my loan, they have not successfully applied payments to my account. I have to call back and make the payment again and again. I called my bank who told me they haven't denied/returned any payment ; and have no history of Freedom Mortgage ever requesting payment. Every month I pay my mortgage on time, then receive a letter in the mail saying my payment was returned by my financial institution ; which is a false statement and felonious. This is causing unnecessary stress and I'm tired of playing these games, like they are trying to trip me up. I feel uneasy doing business with these people, I feel like they are trying to take my house.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

I am writing the Consumer Financial Protection Bureau as I believe banks could do more to protect their customers during XXXX money transfers. Here is how I lost {$200.00} : I sent money using the XXXX feature on my Ally Bank account to a phone number I had previously and successfully sent money to. Unfortunately, I learned that they had changed their number and the older number I sent it to is not in service ( I tried calling the old number and I get an automatic message saying the number is not in service ). Ally told me there was nothing they could do. XXXX directs me to my bank. 

I have zero recourse. I contacted the intended recipient and they let me know they changed their phone number and that one of their children also recently was unable to recover money sent to her incorrect phone number. 

To clarify the entirety of the XXXX money transfer process, I'll walk through the steps in the paragraph below : I sent {$200.00} on XX/XX/2022 to a family member from my checking account using XXXX from my Ally checking account. I sent money to her about a year ago and Ally still showed them as a recent contact. When sending money, the name of the person is clearly displayed throughout the process. On the last page, right above the final 'Send ' button, there is the following message : " XXXX needs to enroll with XXXX using ( xxx ) xxx-xxxx to get the money. 

By choosing Send you authorize this payment. If you want to cancel before the payment processes, you can go to Activity. For questions, call us anytime at XXXX. '' There is no warning to verify the person 's phone number is correct. When using XXXX with other banks, I would be prompted with the recipient 's first name before I sent the money as a confirmation. Ally doesn't warn or try to protect their customers. 

I talked to the intended recipient and she mentioned that the same thing I'm going through happened when her son tried to send her money as well. They also had zero recourse. It amazes me how there is no consumer protection. Nothing was in place to stop the same issue from happening. No system to flag phone numbers or email addresses. 

To summarize, here are my complaints : 1. Ally doesn't do enough to warn its customers that the transaction is not reversible. One could argue that the message shows on the final 'Send ' page insinuates that the transaction isn't final. There is a false sense of security. 

2. XXXX allows disconnected phone numbers in their system and will take payment without any verification that the phone number is still active. 

3. There is zero accountability. There needs to be a system in place for official complaints to specific email/phone numbers. 

Thank you for your time.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-09-29
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. (MO)

The reporting agency in violation of 15 USC 1681 ( a ) ( 1 ), Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (CA)

I have reached out to credit bureaus to find out who is furnishing bankruptcy information to all three credit bureaus and o was told it was ( XXXX XXXX ). I reached out to XXXX XXXX and I was told they have no record of a bankruptcy on my profile. I reached back to the credit bureaus to do another investigation and because their information is incorrect and the keep saying information is valid from XXXX XXXX. The credit bureaus are failing to do their job and investigate my complaint.
Consumer complaint received 2022-06-05
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. (RI)

XXXX XXXX has listed XXXX XXXX XXXX XXXXXXXX incorrect violation of my rights also they have listed XXXX XXXX XXXX XXXX # XXXX incorrect also violation of my rights and XXXX XXXX XXXX XXXX # XXXX and # XXXX also violation of my rights they have refused to provide me with any signed documentation or any valid proof of debt also say it is verified but provide no information.Also XXXX has done same thing XXXX XXXX XXXX # XXXX, also XXXX XXXX XXXX  XXXX ALSO XXXX XXXX XXXX XXXX XXXX XXXXXXXX SAME THING LAST EXPERIAN SAME XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX please have them remove this false information thank you
Consumer complaint received 2023-10-18
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: Experian Information Solutions Inc. (NJ)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 2022-11-27
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. (DE)

Equifax is reporting inaccurate and unverifiable public record information about me on my equifax consumer credit report and file. These unverifiable bankruptcies are listed on my equifax consumer and file as file/docket # : XXXX and file/docket # XXXX XXXX. According to the FCRA, in order for Equifax to furnish these alleged US BANKRUPTCY COURT public records, they would need to be able to both VALIDATED and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with me through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Equifax is violating my federally protected consumer rights. In addition to that violation Equifax is also committing fraud since they claim to have verified this bankruptcy but their sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ) and 15 USC 1681C ( A ). I DID NOT give Equifax neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day Equifax RECEIVES this demand. Should Equifax choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Equifax.
Consumer complaint received 2022-11-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

XX/XX/2022 amount XXXX I was told my account was on hold plenty of times then all of a sudden my money was taking out my account chime told me to dispute it and I did they declined my dispute then they closed my account after several times my account got put on hold
Consumer complaint received 2024-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a car. The sale representative XXXX XXXX helped me with the process. She stated that the bank I got approved for ( Westlake Financial ) only needed proof of insurance and a copy of my social security number. I provided that information to the seller and paid a down payment of {$3000.00} for a XXXX XXXX XXXX. I signed a contract stating that I will be paying the bank {$430.00} a month first payment will be due XX/XX/XXXX. A couple weeks went by XX/XX/XXXX and the seller XXXX XXXX reached out to me saying that the bank Westlake Financial needed for me to reach out to them to complete their welcome call. She provided me with their contact information and a reference number. I completed the call and Westlake stated that they needed to verify employment from my employer. I had my manager reach out to them to verify my employment. The bank gave my manager a hard time saying that his email address wasnt a business email and that he needed to contact them from via a business land line or business email. This went on back and forth for XXXX weeks, then the XXXX, XXXX at XXXX XXXX XXXX reached out to me saying that the bank is giving them a hard time with funding the vehicle and that he was going to try with another bank. He asked me if I knew anything about a fraud alert on my account. I informed him that yes I have a fraud alert on my credit report. XXXX then advised me to remove the fraud alert from my report in which I did not. Then said he would reach back out to Westlake Financial again and give me a call back. Instead I received a call from another bank but I never authorized him to run my credit through another bank. In which he did in fact have another bank run my credit. The bank called and I denied them. I received an email from XXXX stating that I had a new inquiry on my report. I contacted the manager to ask about the matter and he denied that he did it. My manager was able to verify my employment with Westlake Financial on Fri XX/XX/XXXX, which was confirmed by a representative with the bank. The following Friday XX/XX/XXXX I received a text message from the seller saying the bank still needed to verify employment. I informed XXXX that it was already done she stated that the bank is asking that I not call them anymore. I sent check stub to XXXX email so that she can provide the information to the bank. Monday XX/XX/XXXX I contacted XXXX to confirm that the stub was sent she stated that it was sent but the bank will not accept it because I was not able to show proof on their portal. She stated she would call back would more information, but XXXX the manager reached out saying that I need to bring the car back because it is not funded. But I was able to walk out the dealership with a signed contract and keys in hand.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc. (NY)

I am refiling this complaint to CALIBER HOME LOANS for still allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Consumer complaint received 2023-10-18
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. (KS)

I recently notified all three bureaus that I am a victim of identity theft. I mailed and submitted online all required information. In return the credit bureau accused, and told me that I made my complaint in ERROR. this complaint is not an error
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (TX)

EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/16 ( CREDIT LIMIT {$2000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The following information doesn't belong to me these accounts are fraudulent. I am a victim of identity theft my information was stolen. I demand Immediate removal from my credit report. This is a violation of my consumer rights and defamation of character. These accounts have cost me almost a XXXX deduction from my credit report. I demand immediate removal I have never had any business or relationship with these creditors.