davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (WI)

Name : Midland credit management Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : XXXX XXXX XXXX Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) XXXX : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.
Consumer complaint received 2019-02-10
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: Experian Information Solutions Inc. (MS)

I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX  Unverifiable Acct.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this 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 719XXXX has me at a score around 590. 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 XXXX 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 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

Hello, I tried to use a Chase credit card Ink Business unlimited that i carry around in my XXXX because at the time ( earlier this spring ) it showed a valid expiration date of XX/XX/23, but was informed that the account was closed by chase. They never told me this, but my complaint is that they did this closing without telling me so that they could take my rewards points. I signed up for this card to get the rewards points and as the paper work said- they are mine to redeem at any time. So i called them and received no help other than claims that the records are purged. There is probably a government mandate that those records are saved for a certain period of time, and I think they just routinely steal from their customers by engaging in this criminal activity because they can.
Consumer complaint received 2022-05-03
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (LA)

Credence Resource Management contacted me without my consent and attempted to collect an alleged debt. They did not disclose to me I had a right to dispute. When I learned my rights I sent letters in which they did not respond within 30 days.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have incorrect 30 day, 90 and 120 day late payment on my Navient accounts but have documentation showing current and correct payment amount. I have repeatedly asked Navient to fix the incorrect information on XXXX, XXXX and XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late marks are hurting my credit report and preventing me from getting a mortgage.
Consumer complaint received 2019-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau (ID)

I bought a vehicle and had to pay the second deposit for my down and my check bounced. I went in a week later and paid the full balance to XXXX XXXX XXXX by debit card. They still have it as collection on my credit report. This initially happened in XXXX. Ive reached out three times to XXXX XXXX XXXX and they claim they show it being paid off. However, Knight Adjustment Bureau still is deporting it on my credit. Ive disputed it three times on the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the credit bureaus. I have also sent letters on XX/XX/XXXX and XX/XX/XXXX asking for proof and have not heard of anything.
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (CO)

To make a long story short. Since XXXX of 2018 I have been using the APP to make my payments a month in advance. On XX/XX/XXXX I made my XX/XX/XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I paid XXXX XXXX payment XX/XX/XXXX I XXXX XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment Now the issue occurs when Earnest was bought out by XXXX and decided to change their system. In late XXXX XXXX I was informed they updated their system. The new system does not allow early payments. So EARNEST decided to take my early payment I made on XX/XX/XXXX and reallocate it to my priniciple. Then on XX/XX/XXXX they charged me again for my payment. I was basically double billed in XXXX when I had a balance of {$0.00}. When I called to get the issue resolved, I was told there is nothing they can do about it. That now my loan will just be paid off a month earlier then planned. This was not the point of this payment nor did I authorize an additional payment to be made. I authorized my XX/XX/XXXX bill to be paid on XX/XX/XXXX. Which Earnest had had no problem taking my money for, but then charged me again on XX/XX/XXXX because their " New System '' Cant process that correctly.
Consumer complaint received 2022-08-18
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. (MO)

I disputed this account with Equifax since XXXX of 2021. I still have not received any results for their violations of my Consumer Laws. I am a federally protected consumer, and I am making this complaint against Equifax, for all of their violations. I have never given Equifax or XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Your prompt response to this matter will be greatly appreciated.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY (TX)

I bought a vehicle in XX/XX/XXXX and financed it with TD Auto Finance ( division of TD Bank, NA ). In XX/XX/XXXX I refinanced the vehicle with my bank after multiple issues dealing with TD Auto Finance. They have not released the title to my bank, and my vehicle state registration is now 2 months expired. The state will not renew my registration until the title is filed properly. We did not know about this issue until XX/XX/XXXX when we tried to renew the registration. We have called TD Auto multiple times, filed complaints with the XXXX, called the DMV and called our bank multiple times. We are at risk of getting a citation every time we need to drive this vehicle, and have made payments every month. From what I can find online, legally they have 30 days to release the title, and it's been 8 months. 

TD Auto Finance XXXX ( Former lienholder, still holding title ) TDECU  XXXX ( current lienholder as of XX/XX/XXXX )
Consumer complaint received 2019-02-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

I own a home in XXXX where I am originally from. The market for properties over {$400000.00} is very bad there. I lost my old job and found a job two hours away in XXXX, DC. We tried to rent or sell the property for months, listed at mortgage balance price, and received no offers. I reached out to the mortgage company, Carrington Mortgage, who explained that I was approved to do a deed in lieu of foreclosure or short sale because I had to take a job in XXXX, DC and move from where the home is in XXXX. I start a new job on XX/XX/2019 and will make half what I made before. XXXX said that they, and the VA, approved the mortgage for both a DILF and a Short Sale. They spoke to my agent and had him change the listing to be an approved short sale, which he did. They then reversed course a month later and said that the request was denied. They are making me reapply for a short sale again to supply the new income information. I feel this is inappropriate activity and am trying to work with Carrington but they are acting in bad faith. The negotiator told me that his manager told him that they are revoking the approval to do a short sale after five weeks of listing. We have repeat tours from a possible buyer and the mortgage company is playing games. The mortgage loan is # XXXX at Carrington Mortgage Company for a property we have vacated at XXXX XXXX XXXX XXXX, XXXX, PA XXXX.. 


XXXX XXXX. XXXX XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (PA)

XXXX finance repeatedly call my place of work when I have already notified them to not do so. It's gotten so bad that I decided to switch jobs due to the gossiping about the phone calls. The representative stated " well why can't i call here, there is nowhere saying i can not call here '' I told the representative that it is a inconvenience to speak with them at the time that I am working and my coworkers are listening when they talk to me on the workplace phone. I also told the representative that I did not list my place of work phone number to be reached at. The entire month of XXXX and XXXX of XXXX the lender continued to call me at my workplace. It got so bad that my coworkers were telling me that a " XXXX XXXX '' has been calling for you. At that point, I was really embarrassed. At the date of signing for my loan which was sometime in XX/XX/XXXX, the manager at XXXX XXXX ( XXXX, pa ) location spoke rudely about XXXX of my coworkers who he has worked with prior. In addition to that, he told my coworkers about the loan that I have with mariner finance. I went and tried to make a complaint about this incident in XX/XX/XXXX with XXXX finance but there has been no resolution,
Consumer complaint received 2019-02-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (GA)

This was a joint account. That judge ordered me to surrender the vehicle to my ex wife and have nothing else to do with it. Ordered her to refinance and hold me harmless of debt. I have notified Exeter financial of this and despite it they still come after me for the debt. Using unfair tactics such as reporting false dates of account closure or not reporting a date at all. The account was closed on XX/XX/XXXX and on my co applicant report is shows correct date. On my report is shows XXXX of XXXX they are reporting XXXX balance and I have logged into my account and balance there is XXXX. On my XXXX report it is not showing a closing date and also shows first date of serious delinquency XX/XX/XXXX. This is causing my report to reflect 90 days late 25times. I have disputed the information with all 3 bureaus but Exeter continues to certify that there information is accurate. They also make a point to change payment status on different dates or add or remove comments on the account at least once a month. These are all unfair and harassing tactics that they are focusing on me when I was ordered by a judge to surrender vehicle and have nothing further to do with the car my ex wife or any financial accounts that were tied to her. With a restraining order in place I didnt dare go against him and as a result she surrendered the vehicle without my knowledge and then Im stuck with the debt and the harassment from Exeter.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (OH)

XXXX XXXX. AKA.. 
XXXX XXXX XXXX. Sold this Account to Spring Oaks Capital. I Mailed a Validation Letter to Spring Oaks Capital. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and Spring Oaks in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and Spring Oaks for the Same Account. That is illegal according to the FCRA
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2020-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

XX/XX/XXXX - I paid XXXX XXXX XXXX  ( XXXX ) {$500.00} via debit card for services rendered, including intake tests via an outside facility ( XXXX XXXX ), since XXXX did not provide coverage for treatment at XXXX. The XXXX XXXX XXXX specifically said the {$500.00} was for medical tests performed outside of XXXX. 

XX/XX/XXXX - I paid XXXX an additional {$24000.00} cash via MasterCard, Visa, and XXXX XXXX credit cards. XXXX   business office assured me no further charges would be  requested since I was paying cash. However, they would submit claims to XXXX just in case XXXX would reimburse some of the fees. 

XX/XX/XXXX - I received a {$370.00} bill from XXXX XXXX for services rendered on XX/XX/XXXX through XX/XX/XXXX which totaled {$520.00}. XXXX paid XXXX a portion of the bill ( when XXXX theorectically should have reimbursed me instead ).  However, XXXX still charged me the remaining {$370.00} ( which I had already paid XXXX ). I continued to receive this bill from XXXX XXXX even after I explained I had paid XXXX cash for all services rendered. 

XX/XX/XXXX - I called XXXX again, after receiving several more bills, and told them I had paid XXXX already. They responded that I owed them {$370.00} for services rendered anyway. I wrote a letter to XXXX explaining I did not owe any money and that I had already paid XXXX. They returned the letter with a statement that I must pay XXXX, and subsequently turned my account over to a collection agency, ALLIED. This is now on my credit report. 

I filed a dispute via XXXX. The result of the dispute did not change the situation. 

After many attempts to contact the XXXX business office ( no one was answering the phone, email was returned as invalid ) I was at a loss of what to do. 

XX/XX/XXXX - XXXX sent me a bill for {$48000.00}. This bill said I had not paid ANY portion of the billed services. I continued to call the XXXX business office daily for several weeks before I was finally able to speak with someone named " XXXX '' on XX/XX/XXXX. XXXX told me to ignore the {$48000.00} bill. He said it was sent because someone had not realized the services were financed via self pay. He said he would contact the XXXX Director regarding the {$340.00} bill and call me back. He did not call back and did not return any subsequent calls or reply to several voice mail messages. 

I've sent email and called several times daily since XX/XX/XXXX with no one answering the phone or returning my calls.
Consumer complaint received 2024-02-09
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. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC (OH)

XXXX XXXX. AKA.. 
XXXX XXXX XXXX. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from DNF Associates stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Guild Holdings Company (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX. Please delete.