davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

To Whom It May Concern : This letter is in response to your recent claim that MIDLAND CREDIT MANAGEMENT verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Consumer complaint received 2021-01-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (TX)

Debt Collector XXXX XXXX XXXX XXXX XXXX entered my property breaching the peace where they proceeded to repossess my automobile that was financed by the General Motors Financial where they were told Cease and Desist their collection attempts and was told to vacate the property address more than 10 times which was witnessed by the XXXX Police Department who so told me to move out their way to allow the Self Help Third Party repossessor to repo my only vehicle. The towing company damaged my property by damaging my parking shelter and destroyed the landscape Upon further investigation after the repossessors took more than 2 hours blocking my driveway and traffic on the street the Office of the Secretary of State of Texas confirms that the towing company was in tax forfeiture and prohibited from collecting in Texas and are refusiing my demand to return my truck and all of my personal property inside of which has prompted a criminal complaint to be filed with the XXXX Police Department which can been verified by XXXX XXXX of the XXXX Police Department in XXXX, Texas.. 

Full details and supporting evidence is attrached to this complaint
Consumer complaint received 2020-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX which does not validated a copy of bill does not substantiate deb.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On the dates listed above XXXX the items listed were adding to my credit report without my consent. I want to inform your office that you are in violation of my rights by reporting false and inaccurate information. I have no knowledge of these accounts. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XXXX XXXX XXXX but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

My mortgage is with First United Bank. On XX/XX/XXXX my property taxes were paid from escrow for the amount of {$2500.00}. Property taxes are the only item paid from escrow. On XX/XX/XXXX I had an escrow balance of {$2700.00}. I called First United Bank at XXXX and spoke with XXXX. I notified XXXX of the escrow overage and requested an escrow analysis. XXXX agreed. 
An analysis was done and on XX/XX/XXXX my escrow balance was showing XXXX. On XX/XX/XXXX I spoke with XXXX at First United Bank and I was told that a check was mailed to me on XX/XX/XXXX in the amount of {$2100.00} and I should receive that in ten business days. I did not receive it. On XX/XX/XXXX I spoke with XXXX at First United Bank. He said I should receive the check within 15 business days. I asked XXXX where they cut the checks and was told XXXX Texas. XXXX is a XXXX XXXX XXXX for me. I suggested that they could cut a check there and I would pick it up at the bank in XXXX. XXXX replied, they do not allow that. On XX/XX/XXXX, I still had not received a check in the mail so I called again and spoke to XXXX. At first XXXX couldn't even find any information on my escrow other than the current balance. I had to inform XXXX of the entire situation and everything I've been through and then she located the information. She said I should have had the check within 10 days. She suggested to stop pay on the check and mail another. Ok, the mail again... no. she then suggested a stop pay and I could give her my banking information and they would do an ACH deposit. I do not trust them with my banking information so that was declined. I said that I would be willing to pick up a check at the XXXX Texas location as this is 10 minutes from me. Again, I was told they do not allow that. At this point, I don't believe they have even mailed a check. They mail a monthly statement to my home and I get those every month. How does that happen? If I don't make my payment on the XXXX of the month, they are calling me and asking why I haven't made my payment and not nice about it either. The calls continue until I've made my payment. Now, I'm still waiting to receive my Federally regulated overage of my escrow in a timely manner and I believe it's delay, delay, delay, with them.
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MI)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-01-04
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. (NY)

I have an account with XXXX XXXX XXXX. On XX/XX/2020 I received a CC statement with a " New Balance '' of {$6200.00}. I paid this balance in full on XX/XX/2020, {$6200.00}. On the statement I did not owe XXXX any additional funds. However, my account accrued prorated daily interest on XX/XX/XXXX-XX/XX/2020, in the amount of {$7.00}. I have paid off balances to other credit lenders in the past and never accrued additional interest between billing cycles if the account was paid in full, and therefore did not continue to monitor this account. I am signed up for paperless billing, and XXXX did send me an email, which I later realized. However, as an XXXX XXXX XXXX during Covid-19, I was working extra shifts at my XXXX, and due to the high stress nature of this pandemic, I was not checking personal email as frequently. This led to my account becoming 30 days past due and deliquent for an unpaid balance of {$7.00} in XXXX and was reported as such in XXXX as well. My credit score went from a XXXX to a XXXX. When I spoke to XXXX in XXXX they reversed the charges as " interest charge reversal '' claiming they agreed it was unreasonable and told me to file a dispute with the credit bureaus. I did this. Because XXXX is claiming there was no banking error they will not change the delinquency reporting. Because XXXX will not change the delinquency reporting, the credit agencies will not change the delinquency on my account either even though now it says I owed {$0.00}. However, if XXXX reversed the charges of interest accrued to my account after the account was paid in full, then {$7.00} was never late because it was never owed. I have never been late or deliquent on any account with any company and my credit score has always reflected this.
Consumer complaint received 2021-01-04
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. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (VA)

My card was locked after I made a purchase I tried to get it unlocked and I was told to send my identity verification I did but they said my ID was expired. I obtained a new ID and sent it to them now they say they cant unlock my card and I contacted XXXX and they said they dont do that they have no way of verifying identification through the phone or instituting a MLU process
Consumer complaint received 2023-02-08
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. (NY)

I have 4 student loans listed on my Equifax from XXXX  XXXX XXXX that should have been updated based on my entry and completion of the student loan fresh start program. These student loan accounts have not been updated to reflect that these loans are currently out of default. The payment history for these loans is also incorrect. In addition, XXXX  XXXX XXXX is no longer operational as a student loan servicer. I tried to reach them directly, but the phone number XXXX is defunct. My compliant is that Equifax could not have conducted an investigation with an organization that is no longer functioning.
Consumer complaint received 2021-01-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

AssetCare LLC / CapioPartners collection companies placed an illegal medical debt collection in my credit report. I have uninterrupted medical insurance through my employer since XXXX which cover all my medical bills. I never received any correspondence from AssetCare LLC / CapioPartners and found out about when, y credit report was pulled. 

I called their phone number XXXX to inquire about the collection and the representative stated that it was a medical collection from XXXX or XXXX. I told them that I have medical insurance continuous since XXXX, the monthly insurance premiums are taken out directly of my paychecks ( Attached ) however they refused to provide any documentation or acknowledge the fact that I had medical insurance to cover my medical bills. I have written them multiple letters requesting documentation and they have not answered any of them nor provided any documentation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

This was received as part of a fraudulent unemployment insurance claim. The credit card issued is from USBank and is a Reliacard. My problem with USBank is that there is no way to speak with an individual or do anything but activate the card. As the card is fraudulent and the scam is that once there is no activity on the card, the fraudster calls and asks for a new card and/or PIN to be sent to a different address, doing nothing only perpetuates the fraud.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (NC)

NATIONAL CREDIT SYSTEM Account number : XXXX Date opened : XX/XX/year> Account type : Collection The XXXX is a fraud. This lady XXXX XXXX XXXX signed me up for a loan without my permission! Not too say she lied on my account when it was time for me to move out the unit. I had an housing voucher from XXXX XXXX XXXX, which clearly states I have to provide a XXXX day notice. I did not bring no bed bugs or leave none when I moved out the unit. 
XXXX XXXX XXXX do inspections. This rental property was doing inspections too regularly. I passed every inspection with no problems. when I moved into the unit there was an exterminator that kept coming to spray my unit and the building. I asked what's going on? Later on I found out there was a bed bug infestation. I did not leave no furniture at the dumpster. wrong tenant. On the day I moved out which was XX/XX/year>, the neighbor from XXXX .Upstairs came over with her boyfriend took furniture out of my unit! The mini XXXX was damaged from previous tenant before me! I was going to renew my least. I decided not too because the neighbor at XXXX XXXX, XXXX was disturbing my peace. Smoke coming up through my vents. Beating on the ceiling every time I walked in my apartment. I called the cops many nights on this neighbor.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2021-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (GA)

This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.
Consumer complaint received 2021-01-04
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. (PA)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I bank with bank of America. On the XXXX XXXX XXXXXXXX, I mistakenly XXXX {$2000.00} to a wrong phone no.d phone no d money was XXXX to is XXXX belonging to a XXXX XXXX XXXX. I was suppose to XXXX XXXX money to XXXX XXXX XXXXI called my bank immediately for cancelation. But was told XXXX customer care service works Monday _Friday and they were already close. I went to my bank d next day Saturday XXXX XXXX. I was given d complaints dept phone no.I called on Monday d XXXX XXXX XXXX and explained to d associate i spoke with her name is XXXXshe told me that d bank will file a dispute claim and get in touch with d anti fraud department of d receiver bank. I was told it will take d bank about 45 working days to get back to me.unfortunately in less than 3days i got an email from my bank that they were not able to help me retrieve d money. I was told to get in touch with d receiver. I was also told that d receiver banks with XXXX XXXX. I have called d receiver severally, he's refusing to return my money. On one occasion d wife picked d phone and threatened me that it's a windfall and nothing can be done to them.I called XXXX XXXX  customer service. I was told that it's only my bank ( bank of America ) that can contact their anti fraud department. I called my bank again and gave them d information from XXXX XXXX  I was promised that they will reopen my dispute claim. I will get a feedback from them in 10 working days. But d very next day, I got an email from my bank that they were unable to help me retrieve my funds.