davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (CA)

XXXX  and Experian should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am XXXX XXXX a federally protected consumer and I am making another complaint against Midland Credit Management regarding an account that they purchased from XXXX XXXX I have sent your company several correspondences, however, they always seem to be returned to me, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Midland Credit Management any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I still have not validated any alleged debt with Midland Credit Management and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX, MIDLAND CREDIT MANAGEMENT, and myself, giving Midland Credit Management any right to collect on this alleged debt. It is my belief that Midland Credit Management is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA. Please see attached documents for reference.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (GA)

I have sent off the information regarding the late payments on my credit report to Chase as requested and I received a second letter in the mail requesting information thats already sent to them ( certified mail ). The information includes dates that are showing late. The account was closed in XXXX of XXXX. I have a late charge from XX/XX/XXXX which baffles me. This company is taunting me and has well known acts of falsification.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (CA)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the account. It was opened wihtout my knowlege, authority or consent. 

VANCE & HUFFMAN LLC XXXX
Consumer complaint received 2021-12-10
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: National Credit Adjusters, LLC (MO)

It has beem 10 years that XXXX reported the account closed and paid and charge off I disputed to remove to XXXX, XXXX, and XXXX. The credit reporting agencies has not removed from my credit report.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report.

Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a notice that my wages were going to be garnished ( from my employer who was served at his residential home! ) I called a credit counselor immediately after learning of the garnishment ( I had no idea where to start ). I was told only thing I could do was try to work out a payment plan. I called the office suing me.. I was told the garnishment had already gone through and there was nothing I could do ( they would garnish 25 % of my wages and thats that ). I explained this was the first time I was hearing about it and that I hadnt even lived in the state for the last few years and hadnt lived at that address for a lot longer.. they refused to work with me. So I reached out to the creditor, let them know I didnt recognize the debt, hadnt received paperwork, and was able to sign on to an account that had actual papers I could see pertaining to the account! Thats when I got really mad!! I have no recollection of the debt, the charges, and I feel like the creditor shouldve never opened this card because it wasnt me! There are charges from out of state that make no sense ( impossible for me to have purchased! ) Due to not knowing about this at all, I never had a chance to fight this! And they are already garnishing my wages.. I thought I had no other course of action but to let it happen. I am putting in a complaint here, I dont want this to happen to someone else because I didnt say anything.
Consumer complaint received 2022-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO TRANSUNION WITHOUT CONSENT. TRANSUNION PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW XXXX, XXXX XXXX XXXX, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED TRANSUNION AND XXXX. TRANSUNION AND XXXX ARE BUSINESS PARTNERS
Consumer complaint received 2018-07-07
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. (AZ)

I have Disputed this account by certified letter notarized, with Experian. They had 30 days to reply and failed to resolve the account. XXXX XXXX XXXX XXXX. Please note this account is closed, paid and older then 10 years old. Also note that XXXX payment history for the same account proves I have good payment history and also exceeded the 7 year FCRA law. I have included images for expert an app and privacy guard web site.
Consumer complaint received 2021-12-10
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. (NC)

Hello, I recently applied for an XXXX XXXX XXXX and was declined for the following reason " You are participating in a payment relief or deferral program, receiving modified terms, or credit counseling services, on one or more of your accounts or loans. '' When trying to look into this on my Experian report. The only deferral I see is on my Federal XXXX  Loans which was applied automatically. I was informed under the CARES ACT this should not affect my credit, but appears this is the reason I am not able to get my XXXX XXXX XXXX. I have been trying to resolve this issue with both XXXX XXXX and Experian and each is placing the issue on each other as an error they need to fix.
Consumer complaint received 2022-03-26
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. (MO)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$840.00} MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} MIDLAND CRED XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$2400.00}
Consumer complaint received 2021-08-25
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

The information regarding this account fails to report completely. I do not recognize this account. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

The company is not transferring the mortgage via survivor in interest. I have submitted all the documentation. I/we call XXXXx per week. The company tells us to wait for a final decision until a specific date ( XXXX XXXX ). After XX/XX/XXXX, they say they don't have the information or it isn't a clear document and that it needs to be resubmitted. This process has been in the works for over 4 months with no decision and no contact person to help. They are delaying the transfer of survivor in interest to try and force this mortgage into foreclosure.
Consumer complaint received 2018-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (FL)

The loan was taken out on XX/XX/XXXX for {$900.00}. Big Picture Loans have been deducting {$250.00} from my checking account bi weekly. I wasn't aware of the apr of the loan was 670.3853 %. I have already paid {$2400.00}, but according to the the account this is all going to interest and nothing to principle. I have revoked the ACH authorization, the contract doesn't end until XX/XX/XXXX. Meaning I would be paying over $ XXXX on a {$900.00} loan.
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (WI)

I am a XXXX XXXX XXXX ( XXXX ) credit card member and account holder and routinely receive promotional offers emailed to me. After receiving a few XXXX email offers for XXXX to XXXX bonus miles ( depending on the email ) I felt enticed enough to investigate my options and sign-up. 

Within the body of the email ( which one can view as a webpage as well- I elected to do so ) there are a few references to " provide your XXXX XXXX number when you call XXXX. '' Alternatively there are several other references to " click on a hyperlink [ to view all packages ] or call XXXX. " Wanting to thoroughly understand my options and obligations I elected to follow the " view all packages '' hyperlink. When following the hyperlinks as a consumer you are then exposed to alternate XXXX content. Specifically for the XXXX, within a few clicks I was presented with different phone numbers to call to sign up for XXXX ( e.g. through the XXXX site, XXXX site, XXXX site ). Unbeknownst to me, as XXXX explained when I inquired about my missing miles ), the number I eventually dialed after viewing all packages as advised by the promotional offer was for a retail vendor and " does n't qualify for mileage awards. " I find the promotion incredible deceptive and poorly managed. The links, content, and offer should have been self-contained. Instead I seamlessly clicked from one link to the next ( all from following the direction in the initial promotional email ). I had no way of knowing that I was suddenly working with a vendor/subsite that would n't make me eligible for the miles. 

When signing up the vendor apologized and said he was n't familiar with how to process the mileage credit and asked me to contact XXXX for clarification. Not thinking anything of it at the time, I called XXXX and they told me to take it up with XXXX. I was stuck in the middle and bounced inbetween both organizations before finally convincing XXXX to investigate the mater. More than 2 months later, after repeated phone calls, emails, to XXXX ( most without XXXX acknowledgement or follow-up ) I was notified I would n't be getting the bonus miles. The reason - " your account was n't eligible for the promotion because your order was placed with a retail vendor and it does not qualify for Mileage awards '' - a vendor I engaged by following the promotional content emailed to me by XXXX. 
I 'm now without my mileage bonus. Stuck in a 2 year contract with XXXX. Paying more for similar services I had before ( TV, internet ). And had a credit hit against me for the sign-up.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (TX)

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

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-08-25
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (MD)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

On XXXX2019 I applied for credit card with XXXX XXXX XXXX. It was denied due to credit score XXXX. 
On XX/XX/2019 I requested credit report from Experian. Received credit report indicated " your accounts in good standing '', " never late '' and no issues. I don't have too few or too many loans. 
On XX/XX/2019 I called Experian and I was told that Experian did not provide credit score to XXXX XXXX XXXX on XX/XX/2019 ( just credit report ). 
On XX/XX/2019 I called XXXX XXXX XXXX and I was told that credit score XXXX was provided by Experian on XX/XX/2019. 
I have a very good credit report and it is not clear who and why created so low cretic score = XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must delete the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX   XXXX
Consumer complaint received 2019-08-06
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: EQUIFAX, INC. (TX)

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-06
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. (TX)

The following account is not transferred to another lender, I never made a late payment on the accounts ever. I am current on all of my payments on this account.. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX
Consumer complaint received 2019-08-06
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. (TX)

The following account is not paid late, I never made a late payment on the accounts ever. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-04-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC (OH)

My fianc and I reached out to NFM Lending in XXXX to start the process for an FHA loan. We were looking to sell our home and find a bigger house for our growing family. We advised NFM Lending I had some credit card debt I would like to pay off with our tax return when we received it. With the understanding raising my credit score would improve our interest rate. We paid off my credit card in early XXXX but were advised by NFM Lending that it might be best to wait until XX/XX/XXXX so everything could clear on the credit report. We listened. 
NFM Lending was fully aware my fianc and I would be applying for the loan together, just like we did the first time we used XXXX at his previous company. 
My issues is, raising my credit score meant absolutely nothing as NFM Lending advised they take the lower, middle of the peoples scores applying for the loan. My finaces credit score was about XXXX points lower than mine. Not one question or statement was ever made about my fianc 's credit. 
This issue would have been avoided completely if NFM Lending did their job and advised us that they would have to take the lower middle of the 2 scores in XXXX. 
We found out in XXXX we couldn't get approved for our new loan due to our debt to income ratio. I completely understand, NFM Lending couldn't do anything about that. That said, the interest rates to refinance were at least a full percent lower in early XXXX than in XXXX. If we knew in XXXX we couldn't sell our house, I would have refinanced right then.