davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

Over the past year, usually in bursts Midland Credit Company has called me four times a day from several numbers. Any attempt to actually answers these calls is met with complete silence, following with the caller hanging up after a few seconds. No messages are ever left, so I am unable to find what this is even for. I never received a mailed notification of collection either. 

Before I list the numbers and times of contact for the last few weeks, I would also like to point out that the only debts I have would be my student loans, which I am not required to make payments on as I am still a full-time student. I do not have any credit card debt, and my credit history would seem to corroborate this. 

XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called at XXXX. This is the most recent, and I'm expecting to receive 2-3 more calls today, given the trend. 

To finish, I am on the do not call registry, and again, have not received ANY communication, written or verbal, on the nature of this collection attempt and these calls.
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 — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX  Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX pm. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
Bar Clay 's Bank Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX am as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MidAmerica Mortgage Inc (OR)

My mortgage service provider ( MidAmerica Mortgage/XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XX/XX/XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of MAM/XXXX. It took an entire MONTH ( XX/XX/XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being XXXX  by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.
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 — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc (FL)

XXXXXXXX XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX pm. XXXX stated that there was no information with my name and social. Instructed me to report it to XXXX XXXX to remove this item. 
XXXX. XXXX Hard Inquire on XX/XX/2022 ( XXXX ) XXXX call yesterday at XXXX. They as well don't have any information in my name or social. Contacted XXXX XXXX to remove this item. 
XXXX XXXXXXXX XXXX XXXX Hard Inquire XX/XX/2022 ( XXXX ) XXXX. Calle them today at XXXX am as the other inquires they all so don't have any information on me. Contacted XXXX XXXX to also have this item removed from my account.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am responding to a letter I received from Experian. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they think my letter is suspicious. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Prior to sending in my letter, I carefully reviewed Experian 's website to figure out exactly what I needed to do to file a dispute and included all information necessary. 
I need to know what made my letter " suspicious '' and if Experian could provide me with an example of a letter that would be acceptable to them since the one I wrote is not good enough. 
I work very hard all day and can not afford to take time off to dispute my accounts. I also do not have the money to be represented by an attorney or any other agency. 
I would like Experian to respond to my letter the same way they would if I called them by phone or disputed something online ; I just want them to permit me the right to have my accounts properly investigated for inaccuracies and errors.
Consumer complaint received 2015-05-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I have disputed erroneous information on my credit report to which Experian responded that the information was " verified ''. Since then, I have sued a few of these creditors for refusing proper verification and they have been removed by the creditor. Experian continues to report erroneous information and the remaining creditors will not respond with appropriate debt validation. Additionally, Experian is letting unauthorized people check my credit and is reporting addresses that do not belong to me. Due to the fact that I have evidence that XXXX or more account they were reporting was in fact, not mine, this calls for a re-investigation and deletion of the incorrect data.
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX : {$2200.00}
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I made a deposit of {$1000.00} ( a government check from the state of California ). Initially, the teller advised me there was a hold on the check. After explaining to him that the government check should not be placed on hold, another teller and the branch manager assisted in reversing the deposit transaction, and made the deposit again, making sure to select the correct deposit options that indicate the type of check being deposited. At this time, I was told that there was no hold on check and the funds are available to be used. After logging in online to make sure the information was accurate, I did see the availability of the check. The deposit receipt also did not indicate a hold. 

Around XXXX XXXX that night, I received an email from Bank of America, stating that the check I had deposited was being placed on a XXXX business day hold. I called BofA the next day and provided them information on Reg CC hold limitations on government checks. I was told by the representative that this was due to the account being new, even though the bank 's deposit account agreement states that even for new accounts ( under 30 days ), government checks are to be available on the next business day, which was not the case for my deposit. 

I walked over to the XXXX XXXX branch and was told by the branch manager that the type of hold placed on the check was due to back office suspicions of the check possibly returning. Again I explained that the check was a government check from the state of California, but he indicated that there was nothing he could do. I asked him to call the back office to see if there was anything he could do. The branch manager called this " back office '' department to see if there was a way to remove the hold, which they did not. Bank of America has violated Reg CC by not only not providing the availability notice to me on my deposit receipt, then verbally telling me that the funds are available, which was later confirmed online by me, but they also violated the regulation by later placing an extended hold on the government check that is well under {$5000.00}. They are required to make these funds available to me at most by the next business day and have not done so. 

To further add insult to injury, the branch manager also told me that this back office department places holds on deposits when they get suspicious that the check might return for insufficient funds. I fail to understand how that would be possible in the case of a check that is written from the State of California. These checks are typically treated like cashier 's checks, unless you are making your deposit at Bank of America apparently.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: DISCOVER BANK (FL)

I have a 3rd party paying our mortgage DEO /HAF they have been paying since XX/XX/XXXX and will continue until XX/XX/XXXX. They pay {$72000.00} per month. DEO sent the payment over they said on XX/XX/XXXX. Discover Home Loans says they have not received it. DEO says it also sent the payment for XXXX. Discover says they didnt receive it. This is not the first time I have had this problem with Discover. XXXXEO gave me reference numbers on electronically made payments. Discover says no way to look them up. My payments are late which will cause late payments for 2 months and hurt my credit report. My DEO account # XXXX. XXXX. My Discover home loan # XXXX. XXXX. I have spoken with DEO they have called 2x saying payment was made. I check my account with Discover daily and no payment has been applied. Their customer service is subpar to say the least. Even when ask for supervisor they just say no payment has been made. I would appreciate any help you can give. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ADVISORS MORTGAGE GROUP, LLC (NY)

We closed on our condo on XX/XX/XXXX. I was told that it would take a few months for the credit reports to show that mortgage is being reported. I started checking in XX/XX/XXXX, 3 months after and no mortgage was reported. I checked in XXXX, 4 months after closing, still nothing was reported. 

I emailed XXXX XXXX at Advisors Mortgage- my loan manager- with this issue and he said he did not know why that was. I also wrote that I was planning on refinancing this mortgage in XX/XX/XXXX and XXXX responded that he was going to help me with refinancing and check why mortgage was not showing as reported on my credit reports. 

I spoke to XXXX XXXX on the phone sometime in XX/XX/XXXX about refinancing or HELOC options. I also raised the continued issue of mortage not being reported to my credit reports, non of the XXXX credit bureaus showed history of me having a mortgage. XXXX said that he would have to run my credit report once again to see that it was not showing and then tried resolve it. I said, absolutely no to that proposition as hard pull of the credit history affects credit negatively. I have not heard from Mortage Advisors since. I feel that something is very wrong about a mortgage company not wanting to report to credit bureaus that I am paying for my mortgage yet when I want to refinance it, they are eager to help me and run my credit report again. This is wrong. 

I also called the operator at Advisors Mortgage and they said I needed to speak to loan manager for this but my load manager was not able to help. 

I have been paying my mortage every month on time since I closed on it in XX/XX/XXXX. It has been ten ( 10 ) months of payments that have not been reported to any of the XXXX  credit bureaus. I have exhausted all the options and do not know what to do. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc. (GA)

XXXX XXXX has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit. 
I have opted out and froze my XXXX XXXX  from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my XXXX XXXX  from future use
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

found these inquires on my credit report i did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-12
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. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
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: Experian Information Solutions Inc. (NC)

4th notice for Utilization to be updated to 5 % or below. Congress states Utilization is an experience with the line of credit that was extended between the consumer and the company and financial institutions must provide 3 forms of Disclosures before reporting to Non-affiliated third parties ( CONSUMER REPORTING AGENCIES ). Written Consent MUST BE GIVEN BY CONSUMER TO SHARE THEIR NON-PUBLIC INFORMATION. PLEASE READ LAWS BELOW WHICH YOU ARE IN VIOLATION FOR THE ACCOUNTS BELOW Accounts with Utilization XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Credit Cards fall under 15 USC 1638 Truth and Lending XXXX has failed to comply with disclosure reqiurements under this law. No reporting should be made until all general disclosure requirements have been met by law. 

THE LAW CLEARLY STATES BELOW 15 USC6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681a - Definitions ; rules of construction Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included in the Consumer Report.

15 U.S. Code 1681a ( 2 ) ( a ) ( I ) - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX response to report transactions experiences late payments to consumer reporting agencies is against the law I have disputed the accuracy of the account, as I have been charged with late payments in XXXX after payments were made setting my utilization over the credit limit to {$410.00}. However such errors wouldn't be reported if XXXX XXXX followed the law and regulations.
Consumer complaint received 2022-09-28
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 (CA)

I have a credit inquiry on my credit report that I didnt apply to and I tried calling but they dont want to take it off I never applied to them before synb/chervon dc on XX/XX/2022 I never applied there any inquiry I have I have a card with them I never applied to this and I want it removed from my credit report