davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Midland Credit Management? I have never done business with Midland Credit Management. 

I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area. 

The following accounts should not be listed on my credit file remove these accounts 1.Midland Credit Management {$1100.00} 2.Midland Credit Management {$330.00} 3.Midland Credit Management {$560.00} 4.Midland Credit Management {$1400.00} I have attached my legal FTC Form, as well as my document from XXXX Security Breach. Please send me a notice that this account has been removed. I can be reached at the following address listed above or the email : XXXX XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit and Receivables Services Inc. (OH)

No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i XXXX. The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i XXXX The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

My records associated with the account XXXX XXXX XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I already reached out to the credit bureaus and to XXXX XXXX XXXX for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2019-01-16
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. (MI)

I looked at my paid Experian subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.
Consumer complaint received 2019-01-16
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: CORELOGIC INC (GA)

Please reference CFPB # XXXX I did not give permission for CoreLogic or XXXX to pull my credit report on XX/XX/XXXX. They had just pulled my credit on XX/XX/XXXX so why would they another Hard Inquire on my credit report. They have made mistake and I would like it removed ASAP. 

I have attached a screen shot of inquiries with dates and the letter sent from CoreLogic state I provided " verbal '' permission to pull my credit 8 days later ... Where does that make sense at? Please all attachments.
Consumer complaint received 2019-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I am seeking the intervention of the CFPB in an attempt to correct critical information adversely impacting my FICO, XXXX  and XXXX XXXX credit reports attributed to negative reporting from Citibank credit card. The matter at hand took place during the billing period of XX/XX/XXXX XX/XX/XXXX. The balance on the Citibank card was {$3800.00} at the start of the billing period. Three recurring payments from my checking account were subsequently credited to the Citi account on XX/XX/XXXX ( {$40.00} ),  XX/XX/XXXX ( {$40.00} ), and XX/XX/XXXX ( {$40.00} ). On XX/XX/XXXX of the same period, a one-time payment of {$3700.00} was made via the Citibank customer service XXXX number, rendering a negative balance of - {$2.00}. Unknowingly, on XX/XX/XXXX the Citi account was charged {$28.00} interest for the billing mentioned above. The - {$2.00} credit from XX/XX/XXXX was  applied to this interest amount, leaving a new balance of {$25.00}. This last transaction would not be discovered until several months later, approximately around XX/XX/XXXX, while checking my annual credit reports. The missed payment had triggered an overwhelming sequence of events namely ; my Citibank credit card of 6 years and $ XXXX limit was canceled by Citi , 60 and 90-day delinquencies were reported to the credit bureaus, and my FICO score plummeted from XXXX to XXXX. On XX/XX/XXXX I sent a Letter of Error notice to Citi Bank Credit Bureau Dispute in efforts to rectify the oversights. This attempt to fix the errors would prove to be futile. Following my dispute, I uncovered additional circumstances that compounded efforts to remedy the situation. Because I elected to go paperless, I should have received my credit card statements via email. However, correspondence with XXXX XXXX XXXX found that all emails from the Citi group were added to the list of blocked emails within the security and privacy setting for my account. Therefore, I did not receive any notice of late or missing payment. Secondly, while making the XX/XX/XXXX payment via the Citibank customer service XXXX number, I selected to hear my current account balance and paid ( over ) that amount firmly believing that this transaction had settled the account. However, Citibank would later inform me that the current account balance information is not reflective of a payoff amount. This revelation was troubling since there is no option to hear a payoff amount on the customer service phone number. Hopefully through this communication Citi will earnestly reconsider the facts and apply common sense to an uncommon situation. I was a loyal customer to Citi for 6 years, typically paid weekly, in advance, over the minimum, and without ever missing a payment. After paying {$3700.00} to settle the account, my evidential history proves that I would not have intentionally paid {$25.00}?! Thanks in advance for your help and consideration.
Consumer complaint received 2018-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: National Default Servicing Corporation (CA)

National Default Servicing Corporation ( NDSC ) failed to call a fault to foreclosure processes after coming into possession of information and knowledge of various violations of a group of laws commonly referred to as the California Homeowner Bill of Rights. 

On XX/XX/2016, NDSC caused to be recorded a Notice of Default ( NOD ) as the Substituted Trustee. On or about XX/XX/2016 I informed XXXX XXXX XXXXXXXX, XXXX XXXX as the loan owner and servicer, and NDSC as the Substituted Trustee and also XXXX and XXXX, XXXX XXXX as the owner of NDSC of their errors and requested the NOD be immediately rescinded. 

The NOD was never rescinded as requested violating provisions of the California Homeowners Bill of Rights. 

All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.
Consumer complaint received 2019-01-16
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. (UT)

I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of XX/XX/2018. These accounts are, XXXX  XXXX account # XXXX XXXX  & Equifax # XXXX XXXX   XXXX XXXX account # XXXX Equifax & XXXX & XXXX
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

Card member services call to offer me a lower rate. I have no card with them, and they can not identify me. Starting last year I have asked to be removed. They started using other phone numbers to call from. They have been using XXXX. Any attempt to talk to them they hang up. I have spoken to the women that has this number and she has given no permission for anyone to use her number. She said she was calling her phone company to register a complaint.
Consumer complaint received 2023-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (MO)

This company has been unfair in their business practices. Theyre high rates for interest and coupled by the fact that the bank, XXXX, attempts to shelter their shady practices through separate entities such as OppLoans. This bank is not reputable and skirts banking regulations to take advantage of low income people. I attempted to setup a more manageable plane with them and their response was you signed up for it, it is your fault is very concerning.
Consumer complaint received 2022-08-17
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)

There is an account reporting on my trans union credit profile that does not belong to me. I do not have XXXX XXXX nor have I ever had XXXX XXXX Someone has opened an account without my knowledge the account is listed from XXXX from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}
Consumer complaint received 2019-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sent several Disputes predating XX/XX/2018. Most recent Credit Report XX/XX/2018 purports information verified and investigated. It has not been investigated nor verified. See Date updated section on credit entries. I contacted original creditors several times and verifications not met ; Original creditors unable to produce original signed documents. 

CRA must also update information provided. 

Other credit reporting reporting agency deleted entry because account unverifiable.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc (CA)

I've sent three emails with no response on XX/XX/19, XX/XX/19 and XX/XX/19. Company reported information for employment back ground past states statute of limitations causing me hardship..
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (DC)

I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2019-01-16
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. (NY)

In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2019-01-16
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. (MS)

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.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 2019-01-16
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. (MS)

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.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 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

After speaking with everyone at Student Assistance Offices including the Federal Ombudsman at the Department of Education, I am advised to contact this office. I do need your help. Despite being eligible for public service loan forgiveness and having paid my student loans faithfully for over 10 years ( since XX/XX/XXXX ), I am told I am disqualified because of the kind of federal loan I hadand had never been advised otherwise by Navient or by XXXX College. I recently changed over to a federal Direct Service loan but at this rate would be paying it until I am XXXX!! 

As you know in XXXX XXXX, salaries are not equal to what lawyer or XXXX   grads make, even from XXXX XXXX XXXX. And XXXX XXXX employees do not benefit as some other professions do from wealthy employees contributing to or paying student loans in total for employees. 
In XX/XX/XXXX after working since XX/XX/XXXX in XXXX XXXX, I joined the XXXX   of the first XXXX XXXX of XXXX XXXX in Massachusetts, at XXXX XXXX XXXX, in order to XXXX  what I had learned in many years of practice. In order to stay on the XXXX, I was required to earn my XXXX  and did so from XXXX College XXXX School XXXX XXXX XXXX, completing in XX/XX/XXXX. In so doing, I incurred Educational Loans which I was told would be partly forgiven due to my commitment to XXXX  in a XXXX XXXX that serves low income students. 
After paying faithfully toward loan repayment, the legislation finally got passed 2 years ago for those XXXX  in XXXX XXXX XXXX to qualify for loan forgiveness if they had XXXX  in XXXX XXXX and paid loans for 10 years. However, what we were NOT told at the time we incurred loans and what was apparently not known until the legislation was passed was that only those who had a certain kind of loan- Direct Consolidation Loan- would be forgiven. I applied for loan forgiveness- having already paid the required 10 years to qualify for it- and was told I had the wrong kind of loan and would have to switch over and pay another 10 years. 
By now- at XXXX years old- I am about to retire. I have followed their advice and switched my loan to a Direct Consolidation Loan and see attachedand have been told I would have to pay 10 more years on this loan to be considered for loan forgiveness. This means with additional interest that they have attached, I would be paying $ XXXXmonthly up until XX/XX/XXXX! That would be my XXXX birthday.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

PayPal calls every two days with the same exact script, contending they have no record of calling more than once a week. When I answer, they usually will wait 5-10 minutes before actually speaking and never listen to the info I share or have any knowledge of the online message center information I have shared while past due.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 a inquiry was made on my credit report for Capital One Bank. I received an email from XXXX XXXX alerting me of the inquiry. I then called Capital One to notify them that I did not authorize that application. Capital One informed me that no open account was in their system with my information. They instructed me to provide a mailed letter to their office detailing what happened. 

I then went on my XXXX account to dispute the inquiry. I noticed that their was an address listed under my personal information that was not mine. The address was XXXX XXXX XXXX XXXX, Georgia XXXX. I notified XXXX about the inquiry and they made a fraud alert on my account and mentioned it would notify all other bureaus. 

I also went on my XXXX and XXXX account. I disputed the inquiry on XXXX. On XXXX, I noticed there was a phone number under my information that was not mine. The phone number was XXXX. 

XXXX advised me to file a police report or a complaint via the Federal Trade Commission and I was directed to here.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

On XX/XX/2022 I deposited 2 checks just opened the account like 1 or 2 weeks prior so first I deposited XXXX form my personal bank account to unlock mobile deposit. As I unlock this i deposited 2 checks one for XXXX this check went though and another one for XXXX. The check for XXXX $ did not go though and this was I check I got mailed for form a wager I won form a guy online. After this check had not went though they frozen my account try and waited patiently for the security team to contact me its been 3 weeks no call back. I've tired reaching the company though other ways which no one could help my situation. I need the money in my account to pay rent and upcoming bills there currently XXXX $ in this frozen account that I have not been able to access for 3 weeks.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (AZ)

I had a background check done by Sterling for a hotel who offered me a position.They emailed me and gave me a link to click on to view a copy.The information on this report was false.I have never been Charged as a XXXX offender.This is ruining my life.i cant get a job, and i cant apply for housing.The statement is false, and it left out some things that were in my XXXX  history.I had a background check done 3years ago and this information was not on there.Please help me.this false information is ruining my life.