davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I am writing to file a formal complaint against Midland Credit Management regarding their willful non-compliance with debt validation requests for XXXX accounts on my consumer report. I wish to bring to your attention the violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g Sec. 809 ( b ), which outlines my right to dispute a debt and request validation of the information held by debt collectors.

Please understand that my request for validation is not a refusal to pay or an attempt to evade the debt, but rather an assertion of my rights under the FDCPA. Despite multiple requests, Midland Credit Management has failed to provide the necessary documentation to validate the debt in question.

In accordance with Generally Accepted Accounting Principles ( GAAP ), International Financial Reporting Standards ( IFRS ) as per XXXX XXXX XXXX, and XXXX XXXX on XXXX XXXX XXXX ( XXXX ) conventions, I am respectfully requesting a complete audit trail of the aforementioned accounts, including a Tax Registration Certificate. Additionally, I am requesting a TRUE CERTIFIED COPY of the original note or promissory note contract binding both parties, as follows : Preliminary making and construction of the clear and Substantive Offer made by XXXX party and demonstrate the Mutual Acceptance affirmed by the other party. 
The agreement bearing my signature stating that I have agreed to assume the debt.

Valid true copies of the debt agreement stating the amount of the debt and interest charges.

Proof that the Statute of Limitations for collecting this debt has not expired.

A comprehensive history of the payments made on this account, if any were made.

An explanation in detail as to how Midland Credit Management calculated the amount being requested.

Any court judgment against me regarding this debt.

Confirmation of Midland Credit Management 's license to collect in Pennsylvania.

License numbers and Registered Agent or Agent of Service. 
Validation, in the form of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. 
Despite repeated requests, Midland Credit Management has failed to provide any of the requested documentation. Instead, I am now receiving notices from solicitors stating that I am being sued in court for these accounts, further exacerbating the situation. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Midland Credit Management for their blatant disregard of my rights under the FDCPA. I believe their actions constitute serious violations of consumer protection laws, and I seek your intervention in resolving this matter promptly and justly. 

Thank you for your attention to this important issue
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$16000.00} ), XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

We had noticed that our Macy 's card was past due, and we have been greatly affected by coronavirus. As soon as we realized that it was past due, we reached out to Macys. Around XX/XX/XXXX, my wife called Macys Store Card customer support to pay off the credit card that we had past due. They had proceeded to inform her that my account was only 37 days past due and that the late payment would not be reported to the credit agency. 

Later in the month, I received a notification from my XXXX XXXX saying that I was 60 days past due. I was surprised because my wife made me aware of the situation and that everything should be fine considering that the account was only 30 days past due. I called Macy 's myself and I was told that I was actually 60 days past due and that they could not remove the report from my credit, even though my wife was misled by the representative on the phone about the actual status of my account. 

In addition to that the agents I spoke to admitted that someone that was not on my account should not have been provided information about my account and should not have been providing information about my account status. Not only did Macy 's store card customer service provide information to an unauthorized party, they provided incorrect information.
Consumer complaint received 2022-05-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

It is difficult to understand why I am a customer of Navient as I have never solicited this company in any regard. I was merely emailed as my original loan holder must have passed me off to Navient without my knowledge or permission. After Navients meddling in my account I am now in a far worse financial standing and understand that not only has my student loan total balance increased by at least {$2000.00}, my monthly bill nearly quadrupled. Mind you I have made payments on time every month for years, I am in now in a far worse financial situation having been a customer. Following Navients instructions to reapply for an Income Driven Repayment Plan, I am furious to discover this plan has added to my total debt. How can this even be called a Repayment Plan if it actually worsens my financial dilemma? Why would such a plan exist, other than to rob me in a fashion that only gets worse the longer I am under the auspices of Navient? <P/>The plans I have been enrolled in by Navient and their financial repercussions were never expressed to me in any language other than very fine print legal jargon, which I dont understand, as I do not have a law degree. What I do understand, is that I actually owe more now than I did before Navient took over my account, validated by calling a front-line customer service agent of Navient ( XXXX, ID # XXXX ).
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I have deposited few checks in my new check-in accounts and some other deposits. 4 of the checks i deposited is cleared by the bank however they put a ristriction to my account and end up closing it without notifying me. I went to the bank to prove that those belongs to me. However, they still closed my account without give me any heads up and told me they will send me the money to my house but holding {$1500.00} for those checks. I received 2 checks each {$220.00} ( {$450.00} total ) from the city for my tenants XX/XX/XXXX rent. Another 2 check 's were from an attorney who was did my house closing. So those 2 check 's were issued to me to pay my credit card bill. Chase is refusing to relese those money. I reach out to them couples of time regurding the issue. I went to a branch with the closing documents and the monthly rent checks that i received but they still refused to relese those money. I also deposited {$3200.00} XXXX XXXX to one of the chase ATM on XX/XX/21 and for some reason ATM didn't able to deposit it properly and give me a receipt to reach out to Bank. I reached out to bank and filled a complaint on XX/XX/21 and still haven't heard from the bank.
Consumer complaint received 2022-05-18
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. (FL)

In the month of XXXX, I submitted a dispute to Equifax in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting Equifax they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus Equifax yet now that same Bureau is not acknowledging my dispute towards items they expose me of.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNT DISPUTE HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE TO THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$570.00} 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

The bank has charged me 4 overdraft fees when my account was never overdrawn. And refuse to give it back because of pending charges that have not gone through. This is the second time we have had this issue with Truist.
Consumer complaint received 2021-10-29
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. (IL)

On XXXX I sent Transunion a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Transunion. On XXXX I requested unauthorized inquiries to be removed. I never received any reply back, On XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Transunion for these as well. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OK)

I have made complaints regarding the service company that this company has hired and have not been able to get any action from the servicing company so I am asking that this company fix there client. I have pages of documents of how they do not service my home loan correctly and then make my credit report bad. I have sent this information to the credit bureaus. This servicing coming is rate bad on the XXXX and why XXXXXXXX XXXX uses them is questionable.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (NJ)

I paid off my personal loan on XX/XX/XXXX I then went to XXXX 3x to get Mariner Finance to update my tradeline with XXXX and each time they cam back account has balance and still open. I called Creditor Mariner Finance @ XXXX to verify my account and they stated yes its closed and paid in full however we don't update any information until the next month. I said you are providing incorrect information to the credit bureau then. My account has been paid off since XX/XX/XXXX today is XX/XX/XXXX and the 3rd dispute has just been finished with XXXX and they are reporting acct still open and with a balance. When I asked mariner to send me something in writing I was told they can't the local branch will have to do it. This is unfair my acct is not still open nor does it have a balance and the simple fact that they are reporting fraudulent information to my credit report is a problem Mariner Finance acct # XXXX ( XXXX )
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX XXXX XXXX # xxxx, XXXX XXXX XXXX # xxxxXXXX XXXX XXXX # xxxx and XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  # xxx has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

My name is XXXX XXXX my student loan debt goes back from 1996. It was {$20000.00} or less. Over years job struggle and career changes and economy up and down. The issue i been having is the repayment monthly payment are way too high and the interesting rate is way too high. The last time i applied was for debt reduction for government employee. It was denied. Now the Navient Company is ask me to consolidate my account to apply for the lower payment. This debt should be wipe out or all interest rates should be wipe out. I have {$2700.00} mortgage and kid headed to college and car notes and inflation with gas prices. Our president Biden wipe out certain student loans i ask for debt removal and never received any answer. Im XXXX yr old and carry this debt has been a ball chain. What I'm asking for is amnesty or debt forgiveness.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson Capital Systems {$1000.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person, as I am not able to acquire new credit based on these false invalidated claims. 

XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-29
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. (FL)

XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 1. XXXX  - XXXX 2. XXXX  - XXXX 3. XXXX  - XXXX 4. XXXX  - XXXX 5. XXXX XXXX XXXX  XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX - XXXX XXXX - XXXX 8. XXXX XXXX, XXXX XXXX - XXXX 9. XXXX XXXX XXXX - XXXX 10. XXXX XXXX - XXXX 11. XXXX XXXX - XXXX 12. XXXX - XXXX XXXX
Consumer complaint received 2022-03-29
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. (DE)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

Rent Recovery Solutions is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Rent Recovery Solutions. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed contracts, applications or signatures that I agreed to pay them any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.