davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit Management has repeatedly called my phone number, both asking for me and asking for people I do not know, at unacceptable hours, such as the phone call at XXXX this morning on XX/XX/19. They claim that they have an address in a time zone that would put them calling at XXXX, but that address hasn't been used in over 2 years, and if they did their research and had correct information, they would discover that we never even lived there while we were traveling for work overseas and that it is nothing but a mailing address to a postal box while we were traveling for work overseas. I have asked them repeatedly not to call during business hours as I can not take phone calls at work and not to call in the middle of the night. I have asked them not to call asking for the other people that they are calling as I do not know them. I have also explained to them that we are in the process of filing bankruptcy but they do not care. In all of the above instances, the just ignore my requests and continue to call whenever they want in a very obnoxious and threatening manner. I have recorded several of the phone calls and have them logged into my phone records that are time-date stamped. 

I asked them again not to call me every again. Although " XXXX '', they Midland Credit Management guy from XXXX, gave me a call back number of XXXX, it showed up on my caller ID as XXXX, a phone number from the XXXX AZ area. 

I talked to my attorney right after this happened and he will be filing a lawsuit against Midland Credit Management this coming week.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Around XXXX XXXX XXXX  I closed my credit card with Capital One with a balance on my favor for {$8000.00}. 

At the beginning of XXXX I called the customer service number to know about the status of my reimbursement. 

XX/XX/XXXX They asked me for a lot of documentation to prove I had that money under that account and where the money came from. At the end of the call they said they will sent the check. 

XX/XX/XXXX I called to know about the status of the check, and they mentioned it was lost in the mail and they need to reissue another one. 

Today XX/XX/XXXX they still don't know the status of my money. 

I have paid interest for that money and Capital One has not giving me an answer yet.
Consumer complaint received 2024-02-10
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) 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 2019-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

{$180.00} was transferred to another individual through the Chase XXXX ( XXXX? ) App but then wanted to cancel / reverse the funds. Tried to contact individual to return the funds ( then they blocked me from being able to communicate with them ) so I could not do so. The company said there was nothing they could do - said Id have to contact them even though we are at the same bank.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (KY)

Received this letter that all personal information was breached : XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX Letter was from Retrieval Masters Creditors Bureau inc. 
American Medical Collection Agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Activation Code : XXXX Personal informations such as social security numbers, phone numbers addresses and and medical records were hacked between the period of XXXX XXXX and XX/XX/2019. 
All they offered was free credit monitoring, I am not interested in credit monitoring, I already monitor my credit however I feel that I am entitled to a payment settlement and I would like to join the class action lawsuit immediately. 
You can email me at XXXX Also my wifes name was hacked under XXXX XXXX ( old name ) and under her correct Name XXXX XXXX. 
I was hacked twice, my name is XXXX XXXX. 
Both of us received two letter mine was under XXXX XXXX Hers were her under her old name XXXX XXXX and also under her current name XXXX XXXX. I dont want credit monitoring I would like a cash settlement for both of us four times, since we received four letters.
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony bank keeps lowering my credit limit on my accounts so that it appears that I am over my limit or close to my credit limit therefore lowering my credit score. This keeps happening repeatedly and its ruining my credit score. They are responsible for this and I will pursue legal action if this isnt looked into. I have read numerous complaints on line from other consumers this is happening too. 
Example of this issue is I had a {$1200.00} limit on a Walmart credit card, I rarely use the card. I used it and had XXXX on the card and the next month I got a letter in the mail saying my credit limit was lowered to {$500.00} I did not use the card any further and continued to make on time payments on it. I got the balance below XXXX and then they further lowered my credit to XXXX As I pay the card down they keep lowering my limit thus appearing as though my card is almost maxed out. 
Did the same thing with a XXXX XXXX Credit Card, limit went from XXXX to XXXX, to XXXX after I used the card one time and made purchase for {$120.00} Upon paying off the balance they then lowered my limit to {$150.00} I have cut the card and thrown it out as I can not be bothered with this bank. They keep buying out other credit card companies and are managing the majority of store accounts. 
They need to be investigated because they are ruining peoples credit and this practice seems unethical.
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

What is this complaint about? I submitted paperwork to ALL three credit Bureaus, XXXX, XXXX   and XXXX. Showing proof that my case against Mindland funding was dismissed in court in 2017. I have also showed proof of Residence and given a copy of my Texas Driver 's license. Also, The Statue of Limitation on this kind of debt in Texas is four years, which makes this debt expired.

What type of problem are you having? It's been over 60 days and it is still showing on my credit report.

What happened? I have disputed this claim 3 times with XXXX, 2 times with XXXX  and XXXX, with no resolution.

What company is this complaint about? The Company this complaint about is Mindland Funding.

Who are the people involved? The people that are involved is XXXX, XXXX  and XXXX.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX XXXX : {$500.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2019-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019 I changed my ticket with XXXX XXXX. This change resulted in a charge of XXXX, of which {$200.00} was a change fee. According to American Express one of the perks to the Platinum card is {$200.00} statement credit for Airlines fees. This includes the change fee. However, when I called American   Express they refused to give me credit for the fee because it was not charged separately. Of course not, no airline does that. It is all one charge when you are making a change. They charge the credit card once. I said I can show a receipt showing the charge but the agent refused. The receipt is attached and shows fees paid of {$200.00}.
Consumer complaint received 2022-01-08
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. (OH)

This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2022-08-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (WA)

I have already filed two complaints with CFPB about US Bank ( see previous complaint reports linked to my file ). CFPB did an excellent job of following through with US Bank, who promised to resolve the issue -- which US Bank did, only after being contacted by CFPB -- and removed my name and credit history from this HELOC. 
However, I recently started receiving letters, again, from US Bank, who are STILL TRYING TO COLLECT ON THIS HELOC. The letters come addressed to my DECEASED ex-husband at my home address. All parties involved have declared that I am not responsible for this debt, and my ex husband obviously is deceased. I have called repeatedly and told them this it is upsetting to have these letters continue to arrive in my mailbox. This debt should have been closed out years ago ( this has been going on for XXXX years ). I need them to STOP sending these form letters to my house.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (MA)

When the XXXX XXXX XXXX   reported this account I saw immediately that this is inaccurate. Why? Because the payment history is in disarray. Also the date of last active is reported differently.
Consumer complaint received 2019-06-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (OH)

During the month of XX/XX/2019 had several calls from Exeter Finance about account balance being past due for more than 60 days. At the time told them I shoukd only be 30 days because promised an extension from my last payment. Was told that I was only granted a 1 month instead of a two month extension as promised with last payment. Told them my wife was under a garnishment because of the goverment shutdown and I was just getting back to work because I XXXX  XXXX XXXX for my XXXX XXXX and work had just started to pick up. The Representative told me if I made the atleast 2 months payment he will work on getting me a 2 month extension and my next payment will not be until XX/XX/XXXX. The rep took my payment and said thank you and your wife for your service and you should be fine your state you doesnt have any paper work to be signed for an extension. Replied thats great you should have your payment on the XXXX. Now im being told Im 80+days past due no extension is in the system or been noted that I was offered an extension and Im to the max on extension so none will be applied just make your payment and you will be fine. Told the rep will be filing a complaint also they keep reporting it late on my credit report when it was indeed there fault if it couldnt be done then shouldve been told that from the start,
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian Dispute Results dated XX/XX/XXXX, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed 30days ago ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ). Dispute reason : remove this account because the Date of Status date or XXXX didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done because the XXXX didn't change. XXXX date didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the XXXX date didn't change/update to be a current updated date as per FCRA. 
It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX XXXX date of status date was ( XXXX XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX date of status date was ( XX/XX/XXXX ), XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX I was never late, I paid on time XX/XX/XXXX, Update payment history, XXXX ( Original creditor : XXXX Hospital ) past due reported on a collection remove for violation, XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status date was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from Experian investigation still shows the Date of Status date didn't change/update from previous investigation.
Consumer complaint received 2019-06-15
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: Resurgent Capital Services L.P. (FL)

Hi, I ask the help of CFPB with the above creditor. XXXX and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and XXXX are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. XXXX and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request RESURGENT LVNV to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX150 days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. 
XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX
Consumer complaint received 2019-06-15
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: SYNCHRONY FINANCIAL (SC)

Im XX/XX/2019 I noticed a hard Credit inquiry on my report. I havent applied for any type of credit in years and know this inquiry to be false. I submitted a dispute with XXXX and never heard from them. The company that did the hard inquiry posted no information on the report so I can not contact them. ( XXXX XXXX XXXX  XXXX ) I want this removed from my report.
Consumer complaint received 2019-06-15
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. (AL)

XXXX is reporting a negative account on my credit file from XXXX XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Consumer complaint received 2019-06-15
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me
Consumer complaint received 2019-06-15
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. (AL)

XXXX  is reporting a negative account on my credit file from XXXX XXXX/XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (IN)

My account with Bridgecrest was paid in full and closed on XXXX with a perfect payment history. I have disputed the inaccurate information that Bridgecrest is reporting to XXXX, XXXX and XXXX. Both XXXX and XXXX dispute results stated that Bridgrecrest replied that there information was reporting accurately on XXXX with a balance due of {$26000.00}. This is a violation of the FCRA as Bridgecrest is clearly reporting inaccurate information. I have proof that Bridgecrest received the full payoff amount on XXXX, in fact Bridgecrest owes me a small refund. I send an email to Bridgrest requesting that they correct there inaccurate reporting to the credit bureaus and they basically said to go kick tires. Something needs to be done to ensure accurate information is being reported to the credit bureaus.