davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (UT)

Received letter from Midland Credit Management stating it was a 'pre-legal notification ' and that they were 'considering forwarding this account to an attorney in your state for possible litigation. ' Gave them a call. Representative had a heavy accent and there was a lot of background noise in heavy accents. Hard to understand sometimes. Asked rep to verify the debt. They were insulted that I asked to do that. Explained that the current situation with coronavirus made it very difficult for us to make any payment arrangements because of unpredictability. Current financial situation was not good. Asked about making specific amount payment to show good faith. Rep was upset and said that if I do not agree to their terms of {$100.00} bi-weekly, they will send my account to an attorney and have me thrown into jail. 
I told them that it was not appropriate to threaten me in this manner. They said that it was appropriate because I was not cooperating. I refuted this by saying I made the call and made the offer to do a good faith payment. They then mocked me by saying 'If you don't have the money, why did you give us a call in the first place? ' I again made the offer to make a good faith payment - and if I could make the payment online. They then insisted that there was no website and that payment could only be done on the phone with them and only if I was willing to agree to {$100.00} bi-weekly automatically taken out of my account. Their letter states they have a website at midlandcredit.com.  When they said that, I said your letter has that info - they again denied that they had a website. They then asked why I had not verified who they were - why didn't I ask them for their info. 
I said again that it was not appropriate to threaten or belittle me. They then claimed that they never threatened me with throwing me into jail. I responded 'bull ' and they hung up on me.
Consumer complaint received 2024-02-21
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. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. I demand to DELETE the following accounts from my Credit Report!. 

XXXX. XXXX XXXX XXXX # XXXX {$9300.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-18
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. (WI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I was doublecharged an appraisal fee of {$320.00} several in XXXX. I have been trying to resolve the issue since then. I was told over 45 days ago that it would be resolved within 30 days, but it has not. They said it was an issue affecting a lot of customers, so I assume that I am not the only one. I've spent over 4 hours of my time trying to resolve this with them. I am currently on the phone with them. They told me most recently on XX/XX/XXXX that it would be off when I called on Friday, but it is still there. I suspect they are defrauding every customer who has had an appraisal to remove PMI using their systems. The company is Mr. Cooper ( dba ) - their full company name is Nationstar Mortgage LLC. If there is a law firm specializing in class actions, there might be a case here, but given that it's {$320.00} for me, it doesn't make sense for me to hire an attorney for this.
Consumer complaint received 2021-06-18
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. (TX)

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.
Consumer complaint received 2022-12-31
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right 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. 

In accordance with the Fair Credit Reporting Act XXXX XXXXcct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right 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. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right 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. 

In accordance with the Fair Credit Reporting Act XXXX  reporting address XXXX XXXX XXXX, XXXX  XXXX, an address I never lived at has violated my rights 15 U.S.C 1681 Section 602. A. States I have the right 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 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I received an email from American Express regarding my Hilton Honors credit card stating that my credit limit had been reduced from XXXX to XXXX. A secure message was attached stating that American Express had taken this adverse action due to my XXXX credit score dropping to XXXX. The letter also stated that I had numerous negative items on my credit report. This is not true. I immediately pulled my credit reports through XXXX and XXXX and I had no negative accounts and my credit score is close to XXXX. I then contacted XXXX and XXXX verified that my credit report reflected no negative items at all. I have no idea why American Express is stating that they pulled my score and it was XXXX. I am assuming either there was a technical glitch or they pulled someone else 's credit. I have been a proud American Express member since XXXX and hope this issue can be resolved. As anyone can imagine, opening a message stating my credit score was XXXX was alarming and extremely stressful. I contacted American Express customer service and the agent was confused as to why this happened to me. He did state that I could pay down part of my balance to see if the limit could be reinstated but was not certain. I don't mind doing this however my main concern is how American Express got seriously wrong credit information that caused the credit limit reduction.
Consumer complaint received 2020-03-18
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. (NE)

INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
XXXX XXXX XXXX # : XXXX XXXX   XXXX XXXX , NE XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from XXXX XXXX XXXX   that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with trans union to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called Trans Union and asked why it was not deleted as I was informed from XXXX XXXX XXXX   that was the way to do so. Trans Union informed me that they do not do the deletion and that XXXX XXXX has to do the deletion. I then called XXXX XXXX and they said they don't do the deletion on accounts as they only report paid and not paid to Trans Union. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.
Consumer complaint received 2022-12-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2020-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2020 I received an alert that an ARS Collections company put a collections on my report for {$530.00}. I do not have any debt and certainly not with any collections company. I have contacted the company for validation of this debt and they are not able to provide it. Now I have a negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from this company, for a debt that I don't owe, which is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, since they can not validate the debt, they must request that all credit reporting agencies delete the entry. This has caused my score to decrease by 40 points and with the Pandemic of COVID-19 I need my credit for business purposes which may hurt my small business.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter and statements in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NY)

After looking at my consumer report I noticed a collection I did not recognize and wanted to address. On XX/XX/2021 I sent a letter to the collection agency in question. I simply sent a letter asking for a validation of debt so that I can understand this consumer transaction. After sending my letter to XXXX XXXX XXXX XXXX XXXX they sent me a summons with multiple letters saying I was being sued. This letter terrified me because it stated that the paycheck I use to feed, clothe, and house my family with will be taken away from me to pay a debt alleged to be mine. After reading over the fair debt collection practices Act I noticed that this could be a violation pursuant to 15 USC 1692d ( 1 ) but I'm not sure. I also saw some other possible violations that I wasn't sure applied to me, I wrote them on the exhibits attached. The only thing I ever wanted from initially reaching out about this debt was to gain clarification and fulfill my obligiation whatever that may be. And this company immediately started attacking with this lawsuit alongside XXXX XXXX XXXX XXXX XXXX who is acting as this debt collectors attorney. This letter was recieved by me on XX/XX/2021 and the court date is scheduled for XX/XX/2021. I was not given enough time to respond to the letter appropriately or even get an attorney together to help represent me. I feel like I am being set up for failure. I think this is also a violation of 15 USC 1692g ( d ) and 15 USC 1692e ( 7 ) but again I am not sure and wrote the rest on the exhibits attached.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Cap1/Bass : # XXXX I have requested Capital One to Terminate me as an Authorized User on account for the last 2 months. They refuse to terminate the account in addition to that, they are taking money out of my Bank Account for this card and it's not mine. 

I going to file a sue suit against them as I have requested them to stop attempting and drafting money out of my account and they continue to do so. Telling me the primary card holder has to change the banking account information, but it's coming out of account that clearly has my name on it ... 

The card is maxed out and it's effecting my credit score and causing me problems. 

I going to call the Attorney General and the governing body that covers the banks! 

The Primary Card name is : XXXX XXXX last four of social # XXXX. You can find that account that way!
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 


PLEASE UPDATE THESE ACCOUNTS IMMEDIATELY TO PAY AS AGREED ASAP!
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is reporting late payments for XX/XX/21, XX/XX/21. I called and set this account up with auto draft. I should not have any late payments, whether or not the rep did their job is not my fault. I called and made this arrangement.
Consumer complaint received 2022-12-31
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: JPMORGAN CHASE & CO. (GA)

I recently reviewed a copy of my credit report via XXXX, and it looks like JPMCB recently checked a copy of my personal credit report. I am not doing any personal business with the company and the inquiry should be removed from my credit report immediately. I also do not personally have any type of account with JPMCB. 

The inquiry is dated XX/XX/2022. 

Please remove immediately. 

I chatted with both companies. JPMCB redirected me to XXXX and XXXX redirected me to JPMCB.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XXXX XXXX, being XXXX years old, I filed for chapter XXXX bankruptcy for the first time in my life, after losing my job with XXXX XXXX in XXXX XXXX due to illness, which I was finally approved for Social Security XXXX  in XXXX, retroactive back to when I lost my XXXX XXXX position. 
Just prior to losing my job, I bought a new XXXX XXXX XXXX on XXXX XXXX, XXXX, financed by Bank of America. I have continued to make my {$550.00} per month payments on time. Since XXXX XXXX, Bank of America removed my online access to my car loan account, and stopped reporting my on time monthly payments to the 3 credit reporting bureaus. I have called Bank of America bankruptcy customer support 3-4 times since my chapter XXXX bankruptcy was discharged in XXXX XXXX, although my Jeep was never included in the bankruptcy filing. 
Even though my chapter XXXX was discharged in XXXX XXXX, Bank of America still refuses to reinstate my online loan access, and even more importantly, reporting my monthly on time vehicle loan installment payments. Bank of America also still has my account misclassified with the credit bureaus, as chapter XXXX and closed.