davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been going back and forth with Midland Credit Management for at least XXXX years now regarding some accounts they added to my XXXX, XXXX, and XXXX credit reports that absolutely does not belong to me. Every time i ask them to investigate and update their files by removing these accounts that are not mine, they always send a generic letter stating the accounts were verified. I've sent several certified letters to Midland Credit Management as well as XXXX, XXXX, and XXXX asking for proof or validation of these accounts and each time they just ignore me or resend the same generic letters that says " verified ''. This is how I know they are not doing their due diligence and taking out the time to perform a real investigation. I've even reached out to XXXX, XXXX, and XXXX and pointed out all the discrepancies on my credit reports such as different dates of last activity, different dates the accounts were opened, different spellings of my name, different amounts owed, all from the same accounts but the 3 credit bureaus all have different information. Outside of the fact that these are not my accounts, all these unfactual discrepancies alone should've had these accounts removed from my credit file. As a consumer I have rights and I feel like those rights have been violated by Midland Credit Management as well as XXXX, XXXX, and XXXX.
Consumer complaint received 2022-05-18
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. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC section 1681 section 602 states I have the right to privacy.15 USC section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction. 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 and purpose.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I provided documentation and a request to the credit bureaus via USPS XXXX Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as Ability Recovery Services had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX, XXXX Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.
Consumer complaint received 2022-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (PA)

I bank with XXXX. I use bill pay to pay my mortgage. XXXX 's bill pay company is XXXX XXXX My mortgage company was XXXX. They recently merged with another company and my mortgage payments go Truist Bank now. When i changed my bill pay information over to Truist I entered my account number incorrectly, I had one number wrong. My XXXX first mortgage payment of XXXX dollars was deducted from my account and sent to Truist. XX/XX/XXXX i received a call from Truist telling me they hadn't received my payment. I called XXXX the next morning and got the check number and confirmation number of the check. XX/XX/XXXX i called Truist and gave them the information. I heard nothing until the XXXX of XXXX when i received another call from Truist that said then never received the payment. Since then i called Truist six more times. XXXX XXXX times and XXXX four times. And still have not received my XXXX dollars. The last conservation i had from Truist on XX/XX/XXXX with XXXX. She told me they received the payment from XXXX on XXXX. But the account number didn't exist. So on XXXX they sent a check # XXXX payable to XXXX in the amount of XXXX. The check was processed by XXXX  and credited to a XXXX XXXX bank account # XXXX. Not my bank account. I called XXXX and they said they have no record of that. I spent ten hours on the phone trying to get this resolved and still haven't got my money back.I have dates and time of my conversations and with whom i talked if you need this information. Please help.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information CAPITAL ONE is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & XXXX PAST DUE- XXXXMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & XXXX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & XXXX CAPITAL ONE was required to notify me XXXXater than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that CAPITAL ONE complied with this requirement.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX XXXX,

has violated my rights. 15 USC 1681 Section 604 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On XXXX XX/XX/2023 I applied from my house in Arizona for a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX and was instantly approved. However, before I received the card I traveled to XXXX XXXX ( where I am from originally ). I had intended to receive the card when I returned. 
However, family matters meant that I had to stay in XXXX XXXX longer than anticipated, and XXXXXXXX XXXX XXXX XXXXXXXX required me to call. They sent regular mail to the address in Arizona, but I did not receive it. Eventually I did call, in late XXXX, but they reported that because they didn't hear from me that they closed the account. I thought that was all ; I told the rep that I would apply again when I return to the XXXX and he agreed that I could. 
What I did not know was that they, despite closing the account, charged me the annual fee and did not reverse it upon closing the card. They mailed paper statements to my address in Arizona for XXXX straight months ; I did not know of this obligation and no email, text message, or phone call came from them during the 90 days I did not pay this annual fee. I only became aware of it when my credit monitoring service notified me that a XXXX ' notice had been listed on my credit report in XXXX of 2023. My XXXX XXXX dropped XXXX points. I found it it was XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX causing this and called them, but the representative I spoke with demanded a payment to cover the annual fee and penalties/interest. Not knowing what else to do, I paid them and asked them to investigate as I was told that the account had been closed. No one had mentioned that I owed an annual fee on this closed account. 
As proof, I have a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department dated XXXX XX/XX/2023 informing me that the account was closed. There is no mention of a balance due. I did not use the card as I did not have a chance to do so. I had no log-in or reason to go to their website and did not think there was any action required on my part as they had closed my account before I had had the chance to use it. 
I have heard nothing from them for more than six months. I would like 1 ) my payment returned and 2 ) my detrimental mark on my credit report removed. Other banks XXXX XXXX XXXX XXXXXXXX, for XXXX ) sent me mail informing me that they were lowering my available credit limit as a result of my missing this unknown payment to XXXX. Again, my XXXX XXXX, up to that point reflecting my perfect credit at over XXXX, dropped almost XXXX points. 
I have attached the original letter informing me that the account was closed, and XXXX letters from XXXX XXXX XXXX informing me that my credit line has been reduced ( clearly as a result of this situation ).
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage loan with New Rez was paid in full on XX/XX/21 when I sold my home. 

There was an impound escrow account with a balance of {$2800.00} that was due back to me as a refund. 

I have called New Rez numerous times ( XX/XX/21, XX/XX/21, XX/XX/21 ) and the service agents couldnt explain the delay until the last call on XX/XX/21. That agent, XXXX took my banking routing information and said the refund would be deposited in a day or two. 

Its now 3 days and almost 2 months since the mortgage was paid in full. I read that they have 20 days to issue that refund and we are well beyond that time frame. 

Account # XXXX
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (UT)

I have a student loan with UHEAA. I have been scheduling automatic payments for years with no problems. I recently adjusted the automatic payment to pay more each month to pay down the principal faster. After adjusting the automatic payment the problems started. My online account shows the automatic payment setup correctly but it is not going through. The first time this happened I wasn't notified until they were about to send me to collections. I used the SAME information used for my automatic payment to schedule a one time payment that got me caught up ( including the late fees they applied on my account ) and that went through. I contacted UHEAA about this and they stated my account has an automatic payment setup so it was my bank 's fault that the payments didn't go through, even though there has always been sufficient funds in my bank account for this payment. I went to my bank and asked them and the ACH department reviewed my account and stated there were no request for a payment from UHEAA except my one time payment. I called UHEAA about this and they stated it should be fine at this point. I asked them to contact me if it doesn't go through again. The representative stated they would notate that in my file and I should be contacted for any problems. The next month, the automatic payment did not go through AGAIN. UHEAA also did not contact me. I checked it the day of and day after to see if the payment would go through but it has not and UHEAA did not contact me about a failed automatic payment. I'm trying to pay the company, and pay my loan faster than required, but UHEAA is not taking my money as schedule on their system, yet still fining me late fees when the automatic payment in their system does not work correctly due to their fault. In my opinion this is now predatory lending tactics to get fines from their consumers.
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-16
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. (OH)

TransUnion, XXXX and XXXX is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the XXXX XXXX  XXXX XXXX XXXX of Ohio which is false. I have attached a letter from the XXXX XXXX XXXX  XXXX XXXX Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. TransUnion, XXXX and XXXX is falsely stating this information and yet to remove this from my credit report.
Consumer complaint received 2022-05-16
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. (MI)

I sent in a letter asking them to remove old addresses that I no longer live at them removed some but not all. I also sent in dispute letters asking to remove inaccurate/unapproved items from my credit report they have not responded in the time allotted which is 30 days.
Consumer complaint received 2021-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have spoken to Portfolio Recovery Associates repeatedly about my financial situation and inability to pay off this debt. They have sent me a hardship form only after many, many requests and now they repeatedly act as if they never received the forms I returned using their envelopes and the correct address. They refuse to provide a fax number for the form and they also refuse to acknowledge being able to email the form to them. I want the phone calls to cease and I want them to accept this hardship form through email.
Consumer complaint received 2022-05-16
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. (MI)

I sent in a letter asking them to remove old addresses that I no longer live at them removed some but not all. I also sent in dispute letters asking to remove inaccurate/unapproved items from my credit report they have not responded in the time allotted which is 30 days.
Consumer complaint received 2019-01-24
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: Adler Wallach & Associates, Inc. (GA)

The Awa Collections account that is reporting on my credit file does not belong to me. I have disputed this account with the credit agencies and the account was removed from all of the bureaus except for XXXX. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NM)

I have been calling and sent letters to EXPERIAN to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 
Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.

.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

My wife was defrauded on XX/XX/22 of XXXX {$500.00} through a XXXX scam. She had posted items for sale on XXXX XXXX on XX/XX/22 and was contacted on the morning of XX/XX/22 by a party interested in purchasing the items for {$500.00}. The interested party indicated that her son would be picking up the items and that she would XXXX over the money. Shortly after that conversation, my wife received an email stating that there was " a small problem '' with the transaction and that she would need to refund the {$500.00}. This email appeared to originate from XXXX, so my wife complied and refunded the transaction. Shortly thereafter, she received another email stating that she would need to XXXX transfer additional funds in order for the transaction to complete - and then she realized she had been scammed. 

Today, XX/XX/22, I contacted Chase ( the originating bank of the transfer ) to dispute the transaction. The first representative kept stating that XXXX was 3rd party to Chase and had completed the service, and that they did not offer claims for fraudulent transactions. When I confronted her with the fact that Chase is owner of XXXX XXXX XXXX, which in turns owns XXXX, and that Chase should be offering more recourse for its customers who have been defrauded, she repeated that XXXX is a 3rd party and that there is nothing Chase could do in this situation. I continued to inquire how Chase, as an owner of XXXX and having access to all the transaction details, could be offering fewer protections to ITS customers than XXXX, I was hung up on. 

I called Chase Claims department again and was met with the same boilerplate statement that XXXX is a 3rd party service and the only recourse was to submit a courtesy claim to have the receiving bank withdrawal the funds from the recipient 's account. I elected to have the representative initiate the claim, knowing the improbability of success. While talking, this gentleman did acknowledge that Chase 's backend office can see the account information of both the originator and recipient, so by their own admission, Chase has the information to protect its customers who have been defrauded, but is making a conscience choice to not. I even indicated that we have email proof of the scam, but was told that if i submitted the email as evidence to substantiate my claim, it would stay internal to Chase and would not be passed along to XXXX to help in any claim. 

Chase and the other owners of XXXX XXXX XXXX are enabling scammers by their policies and lack of protections for THEIR customers. Regulation E should apply to XXXX and basic consumer fraud protections should be in place for customers banking at these institutions which have XXXX integrated into their banking platforms.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I can not dispute any transactions online. They require me to call when theres an option that you can dispute online even though Ive only disputed one thing in the past year they require me to call when Im XXXX and CAN NOT make calls!!! I want to be able to do stuff online with ease its not fair Ive been with them for years. It says it for any item on my transactions as Ive check to see if it was just one but its all of them!!! Its ridiculous
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

I have received a notification from Southwest recovery that there is a debt collection company letting me know I owe a debt of {$1000.00} on my credit report the date of XX/XX/XXXX letting me know that I owe XXXX XXXX XXXX in XXXX, from looking up online, they are a credit card processing company that has nothing to do with me personally. I did not work or own any company that made me liable for this fraudulent charge.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.