davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AZ)

Midwest Recovery Systems never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. XXXX continues to report because Midwest Recovery Systems continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I spoke with a bank representative from USAA on XX/XX/2018 who asked me about 2 attempts to use my debit card in another state at a XXXX, and a XXXX XXXX that USAA blocked. I told them I had not been outside of XXXX, SC in the last few months. They stated no problem, and that they would put a fraud block on my account, cancel my debit cards, and reissue them. 

I noticed on XX/XX/2018 that fraudulent charges had posted to my debit card authorized XX/XX/2018 totaling {$3400.00}. Upon further review, I found that a fraudulent telephone transfer was made through someone impersonating me in the amount of {$4600.00} which posted to my account on XX/XX/2018. I do not make telephone transfer deposits, and I do not think I've ever made one. 

I am a Social Security Administration employee who was included in the data breach a few years ago.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

The derogatory marks on my credit report is blemishing my credit report which prevents me from obtaining the credit that I deserve. I have made several attempts to resolve this issue by asking XXXX, XXXX  and XXXX  to remove late payments. The only responses were from auto generated letters stating that the accounts are valid. Under The laws of FCRA I have the right to dispute the validity of these accounts and proof from the credit bureaus must be given upon request.
Consumer complaint received 2018-10-31
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TRIDENT MORTGAGE COMPANY, LP (NJ)

I bought a home through Trident Mortgage. It was a HUD home with FHA 203b with escrow repairs. I was told that I needed to gather estimates for the repairs and submit them before closing. I did all that was required and got estimates for approximately {$4100.00}. At the closing table the mortgage broker that I had been working with told me to have the work done by XX/XX/2018 and wrote it in the closing documents. She told me that the checks would be disbursed within 5 days of the inspection, also clearly written in the contract. I completed all of the work and texted her on XX/XX/2018 at XXXX. She responded Awesome and scheduled the inspection. On Tuesday XX/XX/XXXX at XXXX, I texted her that inspection passed and inquired about the money because I had paid the contractor for the work done because they couldnt wait for the payment. On XX/XX/XXXX she texted we got the Ok to release the funds just sent an email to the title company, to see when they can release the funds I then called numerous times and got no answer only a texted saying Ill call you back. XX/XX/XXXX I received a text saying she left a message for the title company. Through the next week I called and nothing but a return text saying Ill call you back. XX/XX/XXXX sent a few texts but no response. Finally through another half dozen calls she answers and says your not getting any money, we gave you a discount on your down payment Please help with this situation, its put me in a very crucial financial problem. She told me what my down payment needed to be and I came to the table with everything she asked me to. I signed the contract that clearly states Ill get that money and even the timeframe and now Trident Mortgage is breaking the closing contract.
Consumer complaint received 2024-02-07
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. (CT)

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights.

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards.

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General.
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2022-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (AL)

I got injured on my job back on XX/XX/XXXX. I obtained the loan back in XXXX of XXXX. My payment were around $ XXXX a month and was made every month up until I was injured. I had XXXX on XX/XX/XXXX and XXXX for my other loans and car loan had kicked in and started to pay but this company along with another company denied it. I had XXXX insurance with this company but was denied coverage. They filed judgement against me in which I filed for a Motion to Stop Garnishment because I was trying to get back on my feet from having a XXXXXXXX XXXX XXXXXXXX. The Motion to Stop Garnishment was approved and I was set up to make {$100.00} a month towards Tower Loan debt to the attorney office named XXXX XXXX XXXX. I had paid the debt for XXXX months and for the months of XXXX I started to get in a bind again with my other bills because I was missing work due to Covid being inside the work place and they sending us home. This judgement was entered for a amount of {$3000.00} and it started up in XXXX of XXXX. From my calculation of my check stubs I am finish with this judgement but when I call XXXX XXXX on XX/XX/XXXX and asked for a settlement XXXX told me $ XXXX is 25 % of the balance and I knew something was not correct. I go to the court house on XXXX XXXX to see why the balance is off and they give me the same judgement paperwork where the amounts has been changed from {$3000.00} to {$4200.00}. I am trying to see how can a amount be changed on a judgement or how can a company add that much interest in XXXX months. But when I asked XXXX what was the original balance for me to pay off she said it was {$3000.00} my balance on XXXX XXXX, XXXX was a little over $ XXXX payoff was a little over $ XXXX. How did this company add $ XXXX to a judgement that was already entered for a certain amount and used the same documents and whited numbers out.
Consumer complaint received 2022-07-11
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. (NC)

In 2019 I filed Bankruptcy, it was dismissed and a few months after that, I noticed it was placed on my consumer reports. XXXX, Equifax and XXXX. I called each Consumer reporting agency and made them aware that I did not authorize them to furnish any information about me on my consumer report. XXXX removed the Bankruptcy while the other two did not. They told me it was verified. I asked verified through whom? They began to tell me that the court verified the Bankruptcy. I wrote a letter to the court asking them do they verify Bankruptcies and if so, whats is the process. The court wrote me back and said they do not verify Bankruptcies at all. Now, under 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy and 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction. I did not at any time give the reporting agency my permission to furnish any information about me on my report.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc. (TN)

Was contacted about a medical bill from 2015 wanting payments. I didn't know I owed this. Have not received and bills or communication from the medical bill in the 7 years never have had this happen so don't know how to proceed. I can't have my credit demolished because of something I didn't know I owed
Consumer complaint received 2018-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Beginning in XX/XX/2018 I requested validation of debt showing on my credit report from Calvary Portfolio Services ( see attach letter. ) I never received any validation of the debt from this collection ageny but it continues to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to Calvary three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cawley & Bergmann, LLP (NY)

ON XX/XX/2018 I received a call from XXXX. A woman was on the line. very polite, noting the call was being recorded and asking if she was speaking with XXXX XXXX ( although I already answered the phone, " XXXX XXXX '' speaking ) and providing a " birth date '' asking me to confirm. I asked her what it was about and refused to confirm information. She then put me on the phone with the Manager " XXXX '' who also started out trying to be polite and stating that he understood why I would not give out or confirm information. But when I refused and stated that anything they needed to they could send in the mail, he stated they already had ( I have not received anything from any debt collectors nor their company Cawley an Bergman ). I stated that if i had received anything it clearly was not important. XXXX then made a derogatory comment regarding my inability to see debt as being important. 
1. I have not received any correspondence from this company 2. I do not have any outstanding debts that I am aware of. 

The statement made by XXXX was harassing, derogatory and unnecessary to the alleged debt collection process, certainly to someone he has not even confirmed he is speaking with. It also violates the FDCPA. 

I am reporting this so that I can ensure this company never contacts me again, but also so that the company can be aware of their agents ' practices that violate federal law. 
I believe that many of the people they contact are not retired attorneys and would not know their rights and could be subject to these same violations, unnecessarily.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Mn. Is trying to say I still owe on something u filed a Bankruptcy over for XXXX. they have tried to reage the account to XX/XX/XXXX when in fact they 've had it since XX/XX/XXXX. When I filed against XXXX back then it was filed against XXXX XXXX.XXXX IL.XXXX now their trying to stick me with it reaged. The credit bureaus do n't believe me even though I 've offered proof.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (TX)

" XXXX XXXX XXXX XXXX XXXX XXXX '' were secretive in their attempt to collect a debt on XX/XX/2016, that I have no obligation to. I was recently looking on XXXX XXXX and ( at my utter shock ) found that I owed {$160.00} for a gym that has been closed for the past year. I remember vividly that I had asked an employee named : " XXXX XXXX '' to shut down my gym membership 2 years ago as I didn't need it anymore after my XXXX XXXX. Life is already tough as it is. I'm willing to take responsibility for mistakes that I've made, but this was not my mistake! Injustice, I tell you. Thank you so much for listening.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

I have previously disputed by mail several inquiries and I have not received a response from Experian. I have attached a new letter with the inquiries I am disputing.
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC. (CA)

I called back in XX/XX/XXXX and requested to have the PMI removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest ( my concerns via phone ). Later I told them that I had filed for BKXXXX and was one payment behind and would like to see if a modification was possible and they conveyed optimism to me that this would be possible. after I submitted all the information they came back stating that all alternatives were denied except a short sale or deed in lieu which is not an option because I am only behind one payment and need to keep my home. I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.
Consumer complaint received 2017-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

i HAVE SENT THREE CERTIFIED LETTERS TO THIS COMPANY DISPUTING THIS AND I HAVE RECEIVED NO REPLY. I HAVE ASKED FOR VALIDATION OF THIS DEBT BEARING MY SIGNATURE PER CERTIFIED MAIL STILL NO REPLY THEY HAVE NOT MARKED MY ACCOUNT AS DISPUTED WITH ONE OF THE CREDIT BUREAUS AND ITS BEEN WELL PAST 30 DAYS THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND THE FAIR DEBT COLLECTIONS PRACTICING ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN 30 DAYS
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter in accordance with the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information that appears on my credit report. After reviewing my credit report, I have found several items that are incorrect and need to be removed immediately. 

Firstly, my personal information is incorrect. Several accounts are listed under different names and addresses that do not belong to me. Under Section 611 of the FCRA, I am requesting that you delete the following items from my credit report : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Secondly, I am disputing the accuracy of the following accounts. Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you conduct a reasonable investigation of these items and remove them from my credit report if they are found to be inaccurate : XXXX XXXX  Bankruptcy Case Number : XXXX This account has already been removed by other bureaus, yet it still appears on my report. Please remove it immediately. 

XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, I am requesting that you provide me with a copy of my credit report after the disputed items have been deleted or corrected. 

I am requesting that you investigate these items and take immediate action to correct the inaccuracies in my credit report. As you are aware, my credit score is critical to my financial future, and it is imperative that my credit report reflects accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

The account with CB/VICSCRT with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has several different evaluations in each Credit Bureaus which are both incorrect. I'm not sure if the Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.
Consumer complaint received 2019-08-30
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: CITIBANK, N.A. (TX)

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.