davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

On Monday, XX/XX/2022, I spent almost XXXX hours trying to correct a problem with my account at Equifax. Although I have removed a freeze from my account using the Equifax website on Sunday, XX/XX/2022, with the website confirming that the freeze was removed, XXXX XXXX XXXX XXXX was unable to pull my credit report for a mortgage application. Equifax told XXXX XXXX there was a freeze on the account. This was XXXX full day after I had removed the freeze. 

During my Monday call to Equifax, I was then told that there was a fraud alert on my account. I instructed the Equifax agent to remove that fraud alert at that time. 

The Equifax fraud alert clearly does not work because I have never received the call from Equifax when my account was accessed. 

Today, Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX again tried to pull my credit report for my mortgage application. Again Equifax told XXXX XXXX XXXX XXXX that there was a fraud alert on the account, thus blocking my credit union from obtaining my credit report. 

XXXX XXXX XXXX XXXX immediately contacted me. Equifax did not contact me. I signed onto the Equifax website which clearly indicated that my account did NOT have a freeze NOR did it have fraud alert. 

I have a screen print of the Equifax webpage showing this information and I provided this screen print to my XXXX XXXX, XXXX XXXX XXXX XXXX. 

It is so unfair that these credit reporting agencies can perform so poorly and disrupt the lives of consumers with no recourse or consequences.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (IL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC (TX)

My mortgage company ( XXXX ) over-charged my escrow account by $ XXXX per month for the past year. We stopped making payments and are a few months behind. 

In XX/XX/2023, XXXX sold my mortgage to Roundpoint. 

I asked Roundpoint for an escrow analysis and they said they can not do one on an overdue mortgage. They confirmed they paid our 2023 taxes, which leaves us with a $ XXXX escrow overage. 

Roundpoint told me that I have two options to get an escrow analysis : 1 ) Pay the incorrect past due amount in full.

2 ) Agree to a loan modification based on the incorrect past due and incorrect monthly payment.

How is this even legal?
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc. (FL)

Back in 2019 I went to the hospital bc of my XXXX  hurting and I gave XXXX XXXX my Insurance info I was working for XXXX XXXX  then and advised that it wasn't a car accident and they never billed my insurance and billed for auto and never stated it was. And I am not paying for a bill that I provided you my insurance for
Consumer complaint received 2024-01-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CarMax, Inc. (TN)

I WAS XXXX  days behind on my car payment to Carmax Auto Finance. They have called me XXXX times a day for the last XXXX days even though I told them I would make a full payment on XX/XX/24. I made the payment on XX/XX/24 through my online account and still received XXXX additional calls from Carmax this morning, even though my account is no longer past due. 

I acknowledge that I owe this debt and am working very hard to ensure that it is paid in a timely manner. I have proactively called Carmax many times and have answered all of their questions and paid as I have arranged with them every single time so I don't understand the continued harassment.
Consumer complaint received 2024-01-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arena Investors, LP (NC)

I had order 1 item from XXXX in XX/XX/2023 then received another package in XXXX And XXXX notified them to stop as I didn't order them Then in may received a bill for for {$270.00}. Sent statement back saying g never re eived anything. Sent statement in XXXX, XXXX, XXXX XX/XX/XXXX, received Statement of Collection from North Shore Agency for the {$270.00}. In XXXX tried calling XXXX was put on hold then never answered and hung up. The collection had an email for contacting them with questions. Sent 2 messages.in XXXX still have not heard from them. Did ask them t show me what was sent and proof that they sent to me.
Consumer complaint received 2022-10-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello, I have been charged a {$29.00} annual fee since 2012 and according the capital one secured site it states that {$0.00} annual fee but I have been charged every year since XX/XX/2012.
Consumer complaint received 2022-03-14
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. (OH)

XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-04-12
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These inquiries need to be removed from my TransUnion credit report. These are not mine. I am a victim of fraud and identity theft. These were done fraudulent. Please remove them from my TransUnion credit report.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (OH)

XXXX was my customer service representative and i was far from pleased. My issue is that i have had 2 negative reports made on my credit report from self lender. The initial negative report was my own fault. I had autopay set up and my account was delinquent so autopay was declined. I manually made a payment, but was late. After that, i now have another negative remark on my credit report due to another missed payment. Only this time, my bank account was in the positive, and could have ( should have ) been charged since i was enrolled in autopay. Or so i thought. XXXX let me know that self lender automatically took me off autopay, with no notification to myself. I asked her how i was supposed to know and she said i am supposed to check monthly to make sure my autopay is not turned off. I asked her to cite the policy that explains this and she could not. I let her know that i would be disputing this and she told me i am not able to dispute anything. I told her i have made disputes before and am knowledgeable on how to make a dispute and she reiterated that i am unable to dispute anything with credit that has already been reported. 

If autopay failed, my payment obligation should be suspended, under the Electronic Funds Transfer Act, and i should not be considered late. Therefore, my credit report should be updated to show this. 


I would like this resolved immediately. I would like to continue my autopay ( without it being canceled or shut off without my knowledge ), and would like my credit report to reflect on time payments aside from the initial ( and only ) late payment due to my own fault.
Consumer complaint received 2022-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/2024 I set up a XXXX XXXX to pay my credit card on XX/XX/2024 in the amount of XXXX. On XX/XX/2024 I received notification that my direct deposit was deposited. I logged into my account and edited the date I wanted my credit card XXXX XXXX paid. I revised the date to XX/XX/2024. The XXXX XXXX paid my credit card and XXXX was deducted from my checling account. Today, XX/XX/2024 I received notification that XXXX was deducted from my checking account. I logged in to see what happened and somehow the original payment was taken out of my checking account again. I called the bank and all they told me was that she didn't know how or why it happened and that it must have been a system error but that I would have to wait XXXX business days to have them reverse the payment amount. This is crazy. What if I didnt have the money in my account? I would have had checks bouncing. I don't understand how they can hold my money for 10 days when this was a bank error??
Consumer complaint received 2022-04-12
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. (FL)

In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights. 

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SB Holdings, Inc. (CA)

I make online payments, on time, then find  out ten to twenty  days later that the payment did n't go through. The company then charges me {$140.00} late fee for a monthly due amount {$110.00}. This has happened 3 times in 4 months. They do not send out statements and do not offer them online. I can not verify my amount owed through their records.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have dispute this remark that is listed on my personal credit file with nothing being received. I have had a lot of fraud happen to me. Isn't a company by law have to verify and validate before placing it on my credit file. This is unknown and not one single dispute has anyone even responded to. Please help
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I have a Citi master card which I wanted to cancel about three weeks ago. When I called, I was told that my account was deactivated. Upon hearing this I asked for a confirmation number to confirm the fact that my account was officially closed. I was told that their system doesn't generate confirmation numbers and that I will receive a letter in the mail confirming the cancellation instead. Today, XX/XX/2018, I did not receive a account cancellation confirmation, instead I received a promotion letter. I'm officially submitting this complaint against Citi ( Sears ) master card and would like to have them cancel my credit card. 

- XXXX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a XXXX representative stated was the remaining amount due. 

According to the payment history sent by XXXX on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of XXXX either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount XXXX stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via XXXX XXXX on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that XXXX XXXX mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit Management failed to provide me with proof that I signed a written agreement directly with their company warranting them the right to collect payment.

In accordance with the fair credit reporting act, Midland credit Management violated my rights. 15 U.S.C 1681 Sect. 602 ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also states that a consumer reporting agency may not furnish an account without my written instructions.

The following violations apply to five seperate accounts.

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 USC 1611 Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 USC 1692 d ( 2 ) Harassment or abuse. The use od obscene or profane language the natural consequence of which is to abuse the hearer or reader.

15 USC 1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt We did not request or authorize you to communicate via mail or otherwise for the purpose of collectiong alleged debt.

1. Attempting to collect on a debt in a location where I do not reside pursuant to 15 USC 1692b {$1000.00} 2. Failure to give prior consent for attempting to communicate pursuant to 15 USC 1692c {$1000.00} 3. Failure to provide notice of consent on initial communication pursuant to 15 USC 1692 ( k ) {$1000.00} 4. The use of language meant to harass such as select from these payment options to stop our calls 15 USC 1692 ( d ) ( 2 ) {$1000.00} 5. All this caused me mental anguish and stress so I am seeking damages pursuant to 15 USC 1692 ( k ) {$1000.00}
Consumer complaint received 2023-06-30
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: NCB Management Services Inc. (TX)

I never agreed to any debt collection with the company. No proof debt this is ruining my life for getting housing. NCB has no proof of my signature for agreeing to debt now their system has been breeched and my personal information was attacked. This account should be removed does not comply with fair consumer reporting act. Purchasing a consumer debt and placing it on their report without knowledge of the account is against the law. I have never did business with this company. They will need to validate this debt by showing proof of my ID and signature.