davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have written several letters to Midland credit Management explaining that I could have been a victim of Identity theft and I do not owe then anything. I have asked for a contract bearing my wet signature and havent gotten anything from them with my signature. I do not owe this debt
Consumer complaint received 2023-03-22
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. (GA)

I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. These are the item I am expecting you to remove from my Credit File : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Consumer complaint received 2019-01-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc. (AL)

XXXX XXXX called me in XX/XX/XXXXwe made an agreement, funds were successfully made to them on the approved dates and they STILL added a derogatory mark to my credit report. Shady business practice damaging peoples credit even after payments have been made.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2018, my account NCSECU North Carolina State Employee Credit Union withdrew {$410.00} from my checking account ending XXXX for payments missed in XX/XX/XXXX. This caused several items to be overdrawn and several returned check fees acquired on my behalf. I was never notified of this transaction prior to it being processed an was told by XXXX XXXX XXXX XXXX XXXX officer that the transaction was made due to the funds being available. Upon investigation the amount being auto drafted was changed 3 times by State Employee Credit Union in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. These actions were erroneous and cost me the lender. I visited several branches and made several phone calls hoping to negotiate a payment plan, have my funds returned to my account, and have the return check fee paid on the banks behalf because these insufficent funds were not due to my actions. I was denied and the loan officers were unwilling to negotiate because the fee was already collected. I am contacting your office in final attempt to correct this error. Please contact me should you require any further information regarding this manner. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

AMERICAN FIRST CU ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

HI & HOW ARE YOU DOING? I'm perplexed about the way this collection account is reporting with multiple variations among all the 3 credit bureaus. Several Errors and violations the way it's reporting, such as the date of last activity, date opened, balance, etc. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-03-22
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; US XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Consumer complaint received 2023-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I am with Credit Acceptance they take XXXX every XXXX weeks which is XXXX monthly. I have started this loan on XX/XX/22. They dont offer refinancing and I do believe that I was tricked into it by the dealership and I am looking for a lawyer
Consumer complaint received 2018-05-29
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc. (CA)

Collector contacted me during inappropriate business hours. I was contacted at XXXX XXXX which is a violation of my rights under the FDCPA Practices Act. When the collector was advised of the call time, he stated that because it was XXXX XXXX in his state, that he in fact had a right to contact me in California at XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I discovered that both XXXX and XXXX have successfully removed an account from my credit report, and Equifax continues to report inaccurately the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my efforts to rectify this matter with Equifax, they have not taken action to correct the error. I understand the importance of accurate credit reporting and the impact it can have on my financial well-being. Therefore, I kindly request your assistance in addressing this issue and ensuring that my credit report is updated to reflect the accurate information provided by XXXX and XXXX. Enclosed are relevant documentation supporting my claim. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this discrepancy. Thank you for your time and consideration.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XXXX XXXX I submitted a dispute since I recognized that there was a substantial charge on my account that was not mine. Citibank denied my claim, did not file a chargeback since they assumed that the charge was correct. If you look at my spending patterns this charge for {$4200.00} on XX/XX/XXXX does not match up. The bank is holding me responsible for a charge that I suspect was made on my old phone that I sold. The XXXX XXXX wallet must not have been removed properly before I sold it and someone managed to use my information to make the purchase. I need the charge credited back to my Citi credit card account.
Consumer complaint received 2018-11-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC (OH)

XXXX XXXX  contacted my work number on Wednesday, XX/XX/2018. As I was off, they left a voicemail stating that if I did not respond immediately, they would be starting a verification of employment. I got the voicemail today ( XX/XX/2018 ), and called back immediately and left a message advising that I would like to make a payment arrangement of low monthly payments, as I was trying to get involved with a debt consolidation program. I received a return call from a Ms. XXXX or XXXX, but I had missed the call. I called back, and offered the same information I had left in my message. This rep rudely stated that she had already started the verification of employment process, because I did not call back yesterday. I told her I was not at work, and therefore would not have been able to call back, as I did not get the message until today. She told me they were going to start garnishing my wages, unless I paid the {$1300.00} I owed XXXX right away, or paid over {$170.00} bi-weekly. When I said I couldn't do either of those things, and again offered {$100.00} per month, she said she was putting me as " refuse to pay '', and would be garnishing my wages. When I cited FDCPA, she stated that they are not held to the FDCPA laws. I tried to explain that I was trying to find a debt consolidation program, and she said it wouldn't stop the garnishment. Her bullying and scare tactics caused me to have an XXXX XXXX, and had me in tears, because I can not afford to have money taken out of my paycheck.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I disputed the account XXXX XXXX Account # XXXX with the bureaus and had advised them this account belonged to an ex-spouse and that I am not responsible for this account. I asked that this account be removed from my report due to not having ties with the account. The account has been paid off by the account holder listed on the document I am uploading and have advised the bureaus of this information as well. The creditor however updated the account to reflect my current address with the account holders name who again is an ex-spouse and has never lived at the address noted on the payoff letter. Since the account has been paid off the creditor is no longer able to do any adjustments to the information that I have notified them of. The bureaus have listed this account as closed but it should not be listed on my report at all.
Consumer complaint received 2018-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

I have never done business with RS Clark and Associates. I do not have a signed contract with RS Clark and Associates. I am not liable for any debt from a company in which I have never done business with. I have send a debt validation letter to RS Clark and Associates on XX/XX/2018 and I did not receive any substantial debt validation. Specially I did not see anything validating the alleged debt with my signature. According to the FRCA regulations, RS Clark and Associates are in violation and are subject to fines starting at {$1000.00}. This is my third time asking for the appropriate debt validation. The next time will come with litigation. I hope that this can be resolved without litigation. It is not suffice to present any papers from any other company other than RS Clark and   Associates. RS Clark and Associates can not simply respond by saying they will send me something in the mail. RS Clark and Associates does not have permission to contact me by e-mail, phone, nor us mail. All communication is to be handled via CFPB portal.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The Outsource Group, Inc (OH)

In XX/XX/XXXX, I received a call from XXXX XXXX stating there was a collection entry on my credit report and they gave me XXXX phone number. I called XXXX and asked them what this was about because there was no collection effort and I was unaware of this debt. I spoke to a lady with XXXX and she said that if I paid the amounts due which were {$1500.00} and another for {$45.00} that it would be removed from my credit report within 90 days. I sent payment out same day. Approximately six months went by and it was still showing on my credit report, therefore I called XXXX again and asked why it was still on my credit report and was told they did not remove entries from my credit file, So I dispusted it through XXXX and they removed the {$45.00} but left the {$1500.00}. I recently was denied credit after that and found out it was still on my credit file with XXXX so I disputed it with XXXX and XXXX and then and called XXXX and asked what was going on and she told me to be patient that it would be removed within 30 days. During this time I received notice from XXXX  and XXXX stating it would be removed. Another credit denial in XX/XX/XXXX because of the collections on my credit report. I called XXXX again, and they told me it would be on my credit file until XX/XX/XXXX. Can you please help me with this as this should have never been in collections and is affecting my credit score and my ability to obtain credit through no fault of mine. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-11-09
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: Capstone Credit & Collection, LLC. (TX)

Capstone credit & collection is reporting incorrect information on an account that does not belong to me. The balance on the account is {$3200.00} as of XX/XX/XXXX. Account states that it was opened on XX/XX/XXXX. Capstone has made several threatening phone attempts and. I have asked the company previously to verify the account is mine.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

My XXXX card that I have through SYNCHRONY BANK has been closed by the bank. 
On XX/XX/XXXX I made a payment of {$150.00} only to get a letter a few days later stating they had closed my account because of to many dishonored payments. I have had NSF 'S but I also know that when you have them that you pay for them through fees. 
I have fell into hardship. I had an accident was out of work, went back to work, then Hurricane Florence hit, and that put me back out of work. As of right now my account is caught up. I had no idea about the closure until I received a letter ... I then called Synchrony Bank and talked with 2 representatives and got no response except you can't have NSF 'S with us or we will close your account. They acted like they could careless about anything. Not profesdional and that is not acceptable I have paid the fees when that happens.
Consumer complaint received 2023-03-22
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. (MO)

Consider this complaint as a follow-up to my previous attempt to ensure that these items are entirely removed from my file : 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 XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2018-11-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: American First Finance, Inc. (TX)

America First Finance failed to provide an invoice clearly detailing amounts owed with outstanding balance and failed to clearly identify the type of financing applied for in their marketing. On two phone inquiries, following the mattress purchase when no statement or invoice was received, I was verbally informed that my account balance was {$0.00}. The company drafted my bank account every month since purchasing the mattress, yet increased my balance to a default rate. Further, the company at XXXX XXXX - failed to disclose the rental- purchase terms. It was my understanding that I was applying for product purchase financing not a rent to own agreement. 
When no invoice was received and the company from whom U purchased the mattress went out if business, I assumed administrative delays for the lack of loan disclosure. Never could I have imagined that my account could ever go unto default status with regular monthly payments and no provision of a monthly statement of account. This company 's practices are deceptive and fees are at usury rates.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused XXXX XXXX XXXX XXXX  due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

There was credit card opened fraudulent in my name in 2020. I reached out to the company originally at least 3 times and they refused to listen and acknowledge that the account was not mine. They then sent it to collections, and they are still refusing to have it removed from my credit report.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions