davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

Has contacted family members outside of immediate family. I also believe that wages have been garnished outside of the limitations of when they can be as I also just received another letter and another court date for Midland financial.
Consumer complaint received 2018-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (MA)

Amsher Collection Services for amount of {$1400.00}. I have sent Amsher Collection Services a debt validation and Amsher Collection Services has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me
Consumer complaint received 2018-08-10
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: Checkr, Inc (VA)

XX/XX/XXXX I filed a disputed with Checkr.com at XXXX. I submitted document supporting my dispute. 
Unlawful detainer was cancelled by property. Copies of court orders ( sheriff stamped cancelled in lower right corner ) notice of satisfaction, and letter from property stated I was never Evicted. Please remove eviction form my rental history. 

DISMISSED/TERMINATED FILING DATE XX/XX/XXXX COURT XXXX XXXX, XXXX XXXX JUDGEMENT AMOUNT NOTICE TYPE LANDLORD/TENANT DISPOSITION*DISMISSED/TERMINATED XX/XX/XXXX Checkr respond via email at XXXX CC ( Checkr ) XX/XX/XXXX, XXXX PDT Hi, Thanks for reaching out! Checkr is simply reporting that a civil judgment was filed NOT that you were evicted. If you still believe that something is inaccurate on your report please reply to this email explicitly stating what is inaccurate and why. 

Checkr listed two civil judgments under eviction history with unpaid balances. No balance is on the judgments and both are judgments are dismissed. Checkr did not update the report
Consumer complaint received 2018-08-10
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. (MI)

At the end of XXXX, I called Equifax. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (AL)

I have always had insurance I have already submitted one complaint and they can not locate account. Its on my credit I have no knowledge of this nor was I notified of this u til I checked my credit. Refuses to verify account .its been over 3 months Ive been writing them they want me to supply info to them to verify when thats literally their job.
Consumer complaint received 2023-08-15
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. (FL)

XXXX XXXX XXXX has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX :15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OR)

I received a debt collection notice dated XX/XX/XXXX from Resurgent Capital Services. Resurgent was attempting to collect on a debt that was never mine and was already dismissed by the civil court in Oregon. Additionally, there were 2 other companies attempting to collect the same debt that was already dismissed. I sent a dispute letter on XX/XX/XXXX.  I stated the facts above as well as disputed the legitimacy and requested validation. I also stated that they were to cease collection of this debt until such time as they validated the legitimacy of their collection. On a letter dated XX/XX/XXXX, Resurgent sent another letter attempting to collect the debt again. They have not followed the Fair Debt Collection Practices Act as such. They have not ceased or validated their legitimacy or the validity of the debt. And again, the debt was already dismissed in civil court.
Consumer complaint received 2022-03-09
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. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX RETAIL XXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX F Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX, XXXX, and Trans Union Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Equifax : following items disputed XXXX XXXX no independent investigation was done. No proof of contract with my signature on it. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT AFTER THE CLOSE DATE AND YET, I AM STILL SEEING THIS ACCOUNT EACH MONTH. NO CONTRACT WITH MY SIGNATURE ON IT. NO PROOF. XXXX XXXX THIS ACCOUNT MUST HAVE THE CORRECT COURT NAME, LISTED WITH CITY AND STATE. BEING REPORTED INCORRECTLY. MUST BE DELETED PER SAY UNDER THE FAIR CREDIT REPORTING ACT. 

XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

XXXX : XXXX : XXXX XXXX NO INDEPENDENT INVESTIGATION WAS DONE. NO PROOF ACCOUNT BELONG TO ME. XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) ORIGINAL CREDITOR REMOVED THIS ACCOUNT DUE TO THE FACT XXXX COULDNT VERIFY UNDER SECTION XXXX. XXXX XXXX XXXX THERE SHOULD NOT BE ANY LATE PAYMENTS LISTED ON THIS ACCOUNT WITH THE PAST DUE BALANCE. THIS IS A COLLECTION AND VIOLATION PER FDCPA. XXXX XXXX XXXX MULTIPLE DATES LISTED UNDER THE DATE OF LAST ACTIVITY. NO VERIFICATION AND VIOLATION. XXXX THIS ACCOUNT DOES NOT SUPPLY CORRECT CITY AND STATE AND NAME OF COURT. INACCURATE. MUST BE DELETED FROM FILE. 

All these accounts I have disputed with all the credit reporting agencies. They have not prove 100 percent that these accounts are true and belong on my credit file. Every time i send letters all each credit bureau does is send me a computerized letter saying verified. I am requesting that all inaccurate items be removed. This is affecting my ability to obtain credit
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (CA)

FDCPA Violation. 
The company has sent me a threatening letter claiming they have a Judgement on a case which is currently pending. They have included the Court File Number ( XXXX ) to make it seem more convincing. They are attempting to collect {$1900.00}, which is an amount more than what they initially allege was owed. 

Within the letter is a Financial Disclosure Form which I have already responded to in the negative in my response to them in discovery. 

The Actors in this violation of FDCPA are : XXXX XXXX, General Manager ( who may not be a real person ), XXXX XXXX XXXX XXXX XXXX. 

And California Attorneys for Plaintiff : XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX SB # XXXX XXXX XXXX SB # XXXX XXXX XXXX XXXX  XXXX SB # XXXX ( Attorney on filing ) XXXX XXXX XXXX XXXX SB # XXXX Address : XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

In XXXX I filed for bankruptcy.In Early XX/XX/XXXX, I disputed the bankruptcy on all credit reports to have it removed because of the 10 year is over.XXXX  sent me the results from the dispute confirmation # XXXX stating " The disputed item is not currently reporting on the XXXX  credit file.Public Record : Bankruptcy '' .On XX/XX/XXXX, I received a personal loan offer via US Mail from Citizens Bank loan offer up to 50,000.00.On XX/XX/XXXX, I applied online for the Citizens Bank offer for XXXX, pulling a soft credit pull.After applying online, I was denied approval.Minutes later, I received a Quote decision via email stating " you did not meet minimum credit score '' .The quote Decision listed my credit score at XXXX.I decided to call the number listed on the Citizens bank quote Decision and spoke to XXXX XXXX XXXX ) at XXXX on XXXX.She asked for my SSN number to look up information.XXXX  stated to me that my credit score is XXXX and to be considered for a loan, it should be at least 700 or more.I also asked XXXX, what does the Derogatory public record or collection mean.XXXX  stated it generally means bankruptcy.After that conversation, I logged onto XXXX  at XXXX.As soon as I logged on, the first page shows credit score of XXXX ( good ) and was updated on XXXX.After looking at that page, I clicked on to public records and it still shows Bankruptcy.Because of XXXX not removing the Bankruptcy, I was denied credit/loan.Also, Because of the difference in credit scores, I was denied credit/loan.
Consumer complaint received 2018-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NE)

We received the attached letter dated XX/XX/2018 from Wells Fargo indicating that our mortgage LTV was now below 80 % and we were eligible to cancel our PMI coverage. However, cancellation was not automatic and required us to pay additional principal or fees to Wells Fargo in order to cancel the PMI. Our first option was to pay Wells Fargo enough principal in order to reach 78 % instead of the 80 % as required by HPA guidelines. Our second option was to pay Wells Fargo 's PMI department an additional fee in order to do an appraisal to determine if the value of our home was adequate. In addition, they indicated that Wells Fargo was the only company that could complete the appraisal and no third party valuations would be accepted. This initial letter however did not specify the cost of this appraisal or how to order it. I tried contacting our local mortgage representative but she would not return my calls. 

On XX/XX/XXXX, I called the XXXX number listed to determine how we could go able ordering an appraisal. The representative on the phone basically restated on the phone what was stated in the letter I had already received. She indicated that she would send me a letter with additional information about the appraisal ordering process. She did not indicate how much this appraisal would cost. 

By not providing all information in the initial letter, it only allows Wells Fargo to continue charging debtors additional PMI fees while they send out additional letters. 

Today, on XX/XX/XXXX, we received the letter in the mail with the appraisal information. Wells Fargo wants {$560.00} in order to complete an appraisal to drop the PMI even though we've already met the 80 % threshold, have never missed a payment, have never been late on a payment, and have actually been paying extra on the loan. This is unethical and ridiculous. It puts us into a situation where despite hitting the 80 % PMI threshold we are required to either keep paying Wells Fargo the PMI, pay a large chuck of our principal, or pay Wells Fargo for an " exclusive '' appraisal just so that they can get more fees out of us.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX XXXX XXXX Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, Experian, & XXXX  two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX US Bankruptcy Court, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (GA)

XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than XXXX occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.
Consumer complaint received 2019-04-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Creditmax Collection Agency, Inc. d/b/a Creditmax, Inc. (IN)

On XX/XX/19 received 1 page notice for a court hearing for garnishment. That is held on Monday XX/XX/19 per notice the date for XX/XX/XXXX. Garnishment in regards to a vehicle that was repossessed 2 years ago. & on my credit report shows the repossession & the account was closed. Havent received no documents or calls in regards to the matter until today
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

yes on XXXX I open a checking account with Citibank the will not help me with my issue I have called the customer service number multiple times and gone into three branches with my California id and Citibank debit card and social security card the clam I am a frudulant and will not help me this is XXXX as I have an account and can not access my own money either through my debit card or online
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (WA)

On XX/XX/2018, I attempted to deposit {$1200.00} into my bank account via Western Union. 

It was supposed to arrive the next day and still has not arrived two weeks later. According to WU, XXXX XXXX  credited my account. This is not the case. Feel free to check with XXXX XXXX. 

At one point we attempted a three way call between myself, XXXX XXXX   and Western Union. WU hung up. 

WU has repeatedly given me the runaround at one point stating the confirmation number was XXXX. Yes, XXXX. 

Now that I am asking for a refund I get placed on perpetual hold. 

I'm not really sure what to do. I have spent hours on the phone trying to get a resolution of some sort, to no avail. 

WU transaction # XXXX WU Investigation # XXXX My WU # XXXX XXXX phone # XXXX ( saying " More options ... more options ... more options ... none of these. '' Will speed things up ) XXXX XXXX  phone XXXX ( no real speedy options )
Consumer complaint received 2018-08-10
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. (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX  Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-08-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

ON XX/XX/XXXX FOUND OUT COMPANY WAS REPORTING ME LATE FOR XX/XX/2018 PAYMENT - INACCURATE AND I CALLED AND THEY CONFIRMED. THEY SAID THEY WOULD GET THIS HANDLED. AND I WANTED A LETTER CONFIRMING THIS AND THAT THEY WOULD FIX. I STILL HAVE YET TO RECEIVE THIS LETTER EVEN THOUGH I HAVE CALLED 10 TIMES AND DONE ONLINE CHATS. PROMISING 24-48 HOURS FOR A LETTER. THE LETTER IN WHICH I WOULD USE TO GIVE TO MY MORTGAGE LENDER AS I AM TRYING TO REFINANCE AND THIS IS HOLDING UP THE REFINANCE. I CALLED ON WED AGAIN XXXX AND THEY SAID 24-48 HOURS WHICH IS TODAY AND NOTHING. I NEED THIS FIXED. AS A COURTESY THEY ALSO PROMISED THEY WOULD REMOVE XXXX 'S ( XX/XX/2018 ) LATE.
Consumer complaint received 2022-02-06
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. (MI)

Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. XXXX, Trans Union, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.