davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc. (LA)

There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from TOTAL CARD INC. that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by TOTAL CARD INC. on XX/XX/2021 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter.

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TOTAL CARD INC. can not report late payments in accordance with regulations of the XXXX CFR 1026.13 ( d ) ( 3 ). If TOTAL CARD INC. reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

TOTAL CARD INC. as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by TOTAL CARD INC. will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for TOTAL CARD INC. for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management hired a law office to collect a debt called XXXX XXXX XXXX which I requested within 30 days of receiving the letter to verify the debt by US certified Mail on XX/XX/2021 instead I received another letter from another Law office called XXXX XXXX XXXX, XXXX to collect the same debt on behalf of Midland Credit Management which again I requested to verify the debt using US certified Mail on XX/XX/2021, but did not receive any verification from them in over 30 days that constitute a verification of the claimed debt. 
I Called Midland, a representative named XXXX XXXX advised to call the attorney, when I called the attorney at XXXX XXXX XXXX claimed they do not have verify the debt in certain time limit, they all give me the run around to simply verify the debt with all the attorney 's phone people rudeness and pushing to extract more info and talking about settlement of unverified debt to start with.
Consumer complaint received 2021-11-24
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. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$860.00} ; XXXX XXXX XXXX balance {$170.00} ; XXXX XXXX balance {$400.00} ; XXXX PROGRESS XXXX balance {$55.00} ; XXXX XXXX balance {$0.00} ; XXXX XXXX XXXX balance {$500.00} ; XXXX XXXX XXXX balance {$880.00}
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (LA)

There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from SANTANDER CONSUMER USA XXXX that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by SANTANDER CONSUMER USA XXXX on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SANTANDER CONSUMER USA XXXX can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( XXXX ). If SANTANDER CONSUMER USA XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

SANTANDER CONSUMER USA XXXX as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by SANTANDER CONSUMER USA XXXX will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for SANTANDER CONSUMER USA XXXX for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I received an email from Wells Fargo indicating my communication preference has been changed to receive statements by mail. I did not make this request. I do not consent to Wells Fargo sending correspondence by mail. I have previously requested that any and all future correspondence must exclusively be sent to my post office box. 

I called XXXX XXXX customer service department. It was brought to my attention that I dont have access to online banking due to fraud. The agent has to transfer me to the fraud department. I spoke to XXXX different agents in the fraud department and both disconnected the call while I was waiting for a supervisor. I was on hold for over an hour and still did not get to a supervisor. Both agents disconnected the telephone call and I did not receive a call back. The first agent was in North Carolina. The second agent was in XXXX XXXX. I was fully authenticated by both agents. 

My issue was not resolved in a timely fashion. The XXXX agent said my account was open and active. I asked if I have capacity to login to my account and use my checking account features. He replied yes. I then tried to login to my online account and was denied access. The website indicated my credentials require attention and to go to wellsfargo.com and login for instructions. 
I followed the instructions and kept receiving the same error message. I called Wells Fargo and was transferred to the incorrect department. I was then transferred again to another department where the automated system hung up on me. I spent more than an hour trying to resolve this issue. I currently dont have access to my money due to no fault of my own. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential litigation. Criminal and civil claims will be pursued.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX. XXXX, I mailed an affidavit to XXXX in regards to inquiries on my report. I recieved a letter claiming that my inquiries have been investigated and are valid. I spoke with XXXX different agents and requested that they send me the documents and report that proves an investigtion was completed. The agents claimed they are not obligated to do so. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. 

Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (FL)

On XXXX I applied for a XXXX mortgage at Ally and in order to lock in the rate at XXXX for which I was " pre-approved '' I had to pay the {$550.00} to lock in the rate. I did pay the {$550.00} and from that point on Ally was not telling me the truth based on the " pre-approval. I want to start off saying that my credit score averaged XXXX which is over the requirement. Ally did not accept my third quarter Profit and Loss statement so I went to my book keeper who provided XXXX XXXX which showed a monthly income of {$4100.00}. On the P/L my XXXX draw was shown as Outside Services for which the business pays me the monthly officeXXXX draw of {$1000.00}. Ally NEVER counted that as my income. Also I explained to Ally that the cards with the large balances were my fathers. On Thursday XX/XX/XXXX XXXX XXXX instructed me to pay off the {$5000.00} balance so that they would show XXXX so I could still lock in my rate. On Monday XX/XX/XXXX when I kept showing proof to XXXX that my cards were paid she insisted I have to have the screen shot of the cards. I told her that I paid them on Friday the XXXX so they didn't post yet. Ally played the bait and switch trick because every step that I followed so I could get approved was not working. I spent {$5000.00} only to be told that I didn't qualify for XXXX yr and that I would need to get a XXXX with a by down of {$3300.00} for 2.65 %. I emailed at XXXX on Tuesday the XXXX to XXXX that I'm withdrawing my application and I want my {$550.00} back. XXXX replied no problem. since they were dishonest with the credit card debt and not including the {$1000.00} per month on my officer 's draw. Ally emails me at XXXX on the XXXX that I was denied. I wasn't denied I withdrew and they STILL did not refund my money. Ally makes customers pay up front to lock in a fake rate they will never give. In addition, I followed the instructions of XXXX to pay off my credit cards and spent {$5000.00} dollars only to be told " Sorry I told you to do that. '' Then XXXX tells me she can't tell me the reasons because she is to allowed and not licensed in my State of XXXX  why would she be paired with me if she can not relay the information from the underwriter. The underwriters are not trying to approve at the rate Ally tells you will get and then they will switch it to another one where you will buy points down. This cost me a lot of money and they could not calculate a debt to income ratio. I was told " I can not explain how we figure that out. '' Please never use Ally they are dishonest and plan on selling your loan to another servicer. Save your {$550.00} for a more honest place. Do not use Ally.
Consumer complaint received 2024-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

In 2022 I reported this online credit card account to Capital One as not being my debt. Subsequently in 2023 I filed with all XXXX credit reporting agencies that it was not my debt. After their investigation it was determined that it was not. At this point I had not received any correspondence from Capital One regarding the debt. In XXXX of 2023 I contacted XXXX as I was getting other credit card bills and/or debt collection letters. XXXX informed me that they had failed to put a freeze on my credit reporting account informing me of all the attempts and accounts in my name. All of these accounts were XXXX XXXX. The Capital One debt was included in this. In XXXX of 2024 I received a demand for payment from XXXX XXXX XXXX XXXX for a Capital One credit card. I immediately contacted them explained the situation and requested forms from them to file this as XXXX XXXX. I then contacted Capital One and requested the same thing. XXXX weeks later Capital One credit card services sends a letter stating their investigation shows it was my debt. They went so far as to say they had my banking account number in which that was prove the debt was mine. There is no way they have my banking information. They then said they sold the debt to XXXX XXXX XXXX XXXX. XXXX again I contacted XXXX went over the situation again and requested the XXXX XXXX forms. Once again I told them it was not my debt. I was sent copies of the purchases made nothing else. Additionally, XXXX XXXX XXXX XXXX has made phone calls to me at XXXX a.m.and XXXX p.m., have used a relatives email to contact me, and sent repeated demand letters to me when I have repeatedly told them it was not my debt and to stop their harrassment.
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am in fact the natural person and I am submitting this complaint myself. There is no third party involved. On XX/XX/2021, my husband was served documents by the county sheriff 's office. In reviewing the documents, I found that the paperwork was served on behalf of Midland Credit Management Inc. for BREACH OF CONTRACT. The exhibits provided by the company used false and deceptive means as well as forms to represent that I the consumer owed a debt to their debt collection agency when in fact I have not received any goods or services from Midland Credit Management Inc. Their company failed to express any contractual obligation I have to pay their company anything. On XX/XX/2021, a magistrate ruled against Midland Credit Management Inc in my favor. This complaint is being filed as a means of redress for violations of my rights by this debt collection agency.
Consumer complaint received 2021-11-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (GA)

As a consumer and natural person of the United States of America, I expect the CFPB  to enforce the laws it is bound to. Acima is in violation of numerous federal protection laws : -Acima is in violation of 15 U.S. Code 1692 ( b ) ( 2 ) and ( 5 ).

-Acima is in violation of 15 U.S. Code 1635.

-Acima provided me wit ha consumer lease pursuant to 15 U.S. Code 1667.

-When I submitted my credit card ( ssn ) to Acima , I entered into is a consumer credit transaction pursuant to 15 U.S. Code 1679.

-All alleged obligations therein the attached consumer lease are the true obligation of -Acima is in violation of 15 U.S. Code 1692e.

-Acima is in violation of 15 U.S. Code 1667a.

-Acima is in violation of 15 U.S. Code 1635.

-Acima is in violation of 15 U.S. Code 1681a ( d ) ( 2 ).
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NJ)

Experian continues to charge me XXXX despite the fact that I do not have an account with them. I have disputed the charge with my Credit Card company continually since the beginning of XX/XX/2019. Furthermore, Experian 's IVR system makes it impossible to speak to a representative prolonging the problem. While XXXX has compensated me for the charges, I am not being compensated for the time spent attempting to research and re-mediate this situation.
Consumer complaint received 2021-11-24
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. (VA)

First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.
Consumer complaint received 2021-11-24
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. (VA)

First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.
Consumer complaint received 2021-11-24
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. (VA)

First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (TN)

there is two accounts listed on my credit report.both are fraudulent. i disputed them from the private entities the reporting bureaus, that work with other private entities to attack credit numbers or scores.now lvnv resurgent is continually adding it to my report evan if the reporting agency has removed them as XXXX  has done. who removed these fraudulent actions of said debt.which im sure violates the f.d.c.p.a under a lot of the sections involved with fraud it seems as though this is racketeering from lvnv resurgent.on or about XXXX of 2022 had them removed from my report on XXXX  but the other two will not ..thats what tells me that the XXXX reporting agencies work against the citizens and work for the corporate guy..if one company removes them then why the others dont? under u.c.c. law 3-315 if im left no remedy i can file a commercial lien against that company..so im asking that you investigate lvnv resurgent and any affiliate associated with them this is racketeering at its finest .so i keep up with my score notifications and the 2 accounts im speaking of is added back on to my credit... how does that work unless you pay the XXXX agencies to add it again.so how can a citizen ever have truth in any corporate or reporting agency or debt collecting tactics.lvnv resurgent is a shame under the law.so many cases have been filed against there corporation. why hasn't this body of protection stopped them.or the ftc. im frustrated by the lies that they just do anything they want when it comes to a citizen.lvnv resergent want take me to court i havent been to court just threats.