davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

To Whom It May Concern, I have been trying for years to advocate on my behalf per my rights as a consumer against the unfair and deceptive acts committed by Midland Credit Management against my credit report. 
MCM obtained a debt they claim that I owe on XX/XX/XXXX. 

XX/XX/XXXX, I requested through certified mail, verification and validation of said debt. They did not respond to my request. 
XX/XX/XXXX I reached out again through certified mail. They're response was a copy of a XXXX page letter from XXXX. 
No names, and no amounts were listed. 

For over XXXX years, MCM has held me XXXX and refused to provide documentation of validation of this debt. MCM has blatantly ignored my request for documentation of validation of this debt. No paperwork showing my name, and no amounts to give me the fair opportunity to verify. 
XX/XX/XXXX, MCM sued me in civil court and lost. I challenged them. They did not provide XXXX single piece of documentation and the attorney did not show up to court. 

What is of most extreme concern and is outlined below. 

Over the years, MCM has not only changed the amounts reported to the credit bureaus on this account in which they claim I have financial obligation, but have also changed the account numbers ( Please see attached documentation. ) XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. 

XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. 

After my certified letter was received on XX/XX/XXXX, MCM began changing the amounts and account numbers on the offers they submitted to me and on my credit report. 

XX/XX/XXXX - MCM mailed me a debt offer letter listed with a current balance of {$2900.00} account number ending in XXXX. 

XX/XX/XXXX - Credit report showed a balance of {$2800.00} account number beginning in XXXX. 

XX/XX/XXXX - Current report shows {$2800.00} account number beginning in XXXX. 

This has resulted in irreparable damage to my finances and to my financial reputation. 
I am reaching out CFPB pleading to advocate on my behalf. Not only are we dealing with a validation issue, but an issue of amounts and account numbers not adding up. 
All three major credit bureaus XXXX, XXXX, and XXXX have been notified for for years. All have ignored my request to fix this unfair and unjust situation.
Consumer complaint received 2022-05-12
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. (AL)

I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( Experian, XXXX, or XXXX. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer report.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (MI)

I bought a car in XXXX XXXX with excellent credit. On XXXX XXXX I went purchase another vehicle and found out I owe a medical bill to Ability Recovery Service LLC. This was placed on my credit on XXXX of XXXX. I have sent a letter to Ability Recovery Service and faxed a letter to them on XXXX XXXX have called XXXX XXXX XXXX on this matter and they said the bill was paid due to a medical era. I am exercising my right under the FDCPA to dispute the alleged account and demand Validation. I am attaching you the letter I send Ability Recovery Service and their response.
Consumer complaint received 2019-07-17
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-08-18
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. (NJ)

XXXX is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XX/XX/XXXX mortgage payment since we would be traveling out of state from XX/XX/XXXX - XX/XX/XXXX. We did not have access to email or US mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip.
On XX/XX/XXXX we received notification that our mortgage payment for XX/XX/XXXX was not made in a timely manner and that XXXX reported us 30 days late to the credit reporting agencies. Upon contacting XXXX, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XX/XX/XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from XXXX that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the XXXX website should have been resolved by the XX/XX/XXXX ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for XXXX to suppress the erroneous reporting based on them having improper contact information and XXXX is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to XXXX or any other creditor in the last 14 years.
Consumer complaint received 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/XXXX i got weird email from a weird company by the name of Sequim collection debt collector falsely stating that a debt was owes in the amount of {$54.00} saying that i must contact their office by XX/XX/XXXX XXXX also very weird. I then replied to their email XXXX and XXXX on XXXX XXXX requesting that a NOTICE OF CEASE AND DESIST FROM CONTACTING ME AGAIN ABOUT THIS DEBT IS NOW BEING DEMANDED AGAINST SEQUIM AND XXXX AND XXXX. A CEASE AND DESIST FROM CONTACTING ME AGAIN ABOUT THIS DEBT. THIS COMPANY NOW HAS BROKEN THE FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 ( a ) Abusive practices 15 USC 1692c Communication in connection with debt collection ( 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 15 USC 1692c- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 USC 1692c- ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 USC 1692e-False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any
services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

THIS COLLECTION AGENCY THINKS IT IS ABOVE THE LAW, I HAVE ENCLOSED ALL THE EVIDENCE TO SUPPORT MY CLAIM AGAINST THIS COLLECTION AGENCY ( SEQUIM ) THERE IS NOTHING OWED YET THEY THINK I'M STUPID AND THINK A CAN NOT READ CFPB THIS AGENCY HAS 5 FDCPA VIOLATIONS {$900.00} PER VIOLATION FAIR DEBT COLLECTION PRACTICE ACT. A COMPENSATION IS A REMEDY FOR THESE VIOLATIONS THAT ARE PRESENTED HERE. CFPB PLEASE HELP WITH THIS FALSE, FAKE INTIMIDATING PRACTICES.
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This card had been opened in my name for a couple of years. I had shared my concerns with Capital One that this was not my account. Instead they charge off the card and I owed a balance. I end up paying the balance but asked them to remove the card from my report as it was not my card. As a result they claim that they would remove it but never did. XX/XX/2019 the card was closed and never removed from my report. I have contacted them numerous time and this had no purpose. I am asking that this be removed from my report due to identity theft.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DE)

Equifax is currently reporting my XXXX XXXX account as charged-off. I 've received a letter from XXXX XXXX stating there is incorrect information being reported on my credit report and they have agreed to remove this account from my credit reports. Please see a copy of my Equifax credit report, as well as a copy of the letter from XXXX XXXX. Thank you.
Consumer complaint received 2019-11-19
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. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

I made a purchase from Sears and made the final payment XXXX/XXXX/XXXX, and they admit receiving it by XXXX/XXXX/XXXX. Clearly I owe a late fee, but they keep sending statements claiming the balance has increased. with no mention of a " late fee ''. I 've tried resolving this by phone and letter, but now they claim I have a {$190.00} " balance ''.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc. (CA)

I have amazing credit. One day my score dropped and I went to see why. XXXX XXXX had a collections for {$70.00} on my report. I have n't had a cable account in a few years. This is Money I was never asked to pay and do n't believe that I owe. I told the collections company and wrote a letter to dispute and it was removed. Now it is appearing again through Stellar Recovery Inc. I disputed with them and opened a case with the BBB ( Finalized XX/XX/XXXX ) They said they would send verification of debt but I never received. Not to mention, you can show me a bill all you want. I ALREADY SAID THIS IS NOT SOMETHING I WAS AWARE OF! How can I pay a bill i did n't see until it was on my credit report? Furthermore, the date of collections on my report is WRONG. It shows the day that Stellar acquired the collection NOT the orig. date. This is not legal and should be REMOVED FROM MY REPORT DUE TO ILLEGAL PRACTICES. This is stright from XXXX : " Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the seven year time frame does not start over when an account is sold or transferred to a another lender or collection agency. ''
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX account # XXXX I paid for 1 month of service when they came to do the install. I received poor service and cancelled it within that first month. I had no contract for extended services and we returned the equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In According with the fair credit Credit Reporting Act XXXX  Acct has been violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 Sec 32 : It also states a consumer reporting agency can not furnish a account without my written instructions I am names on my credit report that are not correct, there are several different names that are on my crest report that are incorrect
Consumer complaint received 2017-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (AZ)

I received a loan from Care Credit ( Synchrony Bank ) to pay for dental work. I was told there was 12 months interest free. I was provided a " minimum payment amount ''. I believed the minimum payment amount would satisfy the loan during the interest free period. Turns out that was not the case and at the end of 12 months, there was a small balance remaining however interest was applied to the original balance, compounded over the full year and added to the account in a lump sum which almost doubled the amount that was due. This practice is misleading, deceptive and abusive to say the least. Had I been told what the minimum payment amount was to avoid the interest, I would have been satisfied. The purposefully provide a minimum amount which will leave a balance so they can tag you with extra interest charges. If interest was applied to the remaining principle amount after the 12 months and going forward, I would understand but their business practice is designed to gouge people for extra costs and fees. I tried to resolve and was told there was nothing they could or would do for me.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AL)

Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX. XXXX, XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS