davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-15
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc. (FL)

Reference complaint XXXX I have received the creditors response in reference to my complaint. The creditors response is not accurate. Also, the document that was attached to the response can not be opened unless it is opened with a password. I do not have a password and the agent representative I contacted at CFPB today was not able to open it as well. Please provide documentations that can be accessible to everyone. I am requesting to see information MG Credit claimed to have sent me as validation. On XX/XX/XXXX at XXXX MG Credit received the certified letter that I have attached requesting validation of the debt. As a consumer I have requested proof/contract with my signature that binding me to this debt. I requested several proofs for validity and in writing. I requested the information to be sent via mail within 30 days. Nothing was received. Speaking with a representative from the MG Credit in XX/XX/XXXX I was not going to provide information to someone over the phone that I did not know whom I was speaking to. I requested MG Credit to send me proof of who they were and the account that I had with them. The letter was sent a few days later. I contacted MG Credit to discuss the account further. I sent the certified letter to cease contact and provide validity. I requested the following for validation. If MG Credit can not provide me with validation I am requested this collections account be removed from all three credit bureaus immediately. 

At this time I am asking CFPB to investigate this company and violation of 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I have rights as a consumer to know if this creditor has anyone proof of this account. Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary.
Consumer complaint received 2021-05-02
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. (NC)

Old charge-off by XXXX XXXX, sold to XXXX XXXX, sold to XXXX, in-house entity of XXXX XXXX, paid old debt off in full, got receipt from XXXX n a  release from XXXX XXXX, been sent multiple times, it's the last debt I owe anyone so kindly acknowledge that because you folks r doing nothing more than holding me back from improving my life further because of this one credit " roadblock '' that has been paid in full n released from the creditor months ago!
Consumer complaint received 2023-03-27
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. (IL)

MY REPORT IS SHOWING 2 LATE OR MISSED PAYMENTS 30 DAYS LATE ON TWO SEPARATE ACCOUNTSXXXX AND XXXX XXXX XXXX I was never late on these accounts
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (MI)

On XX/XX/19 called orginal creditiorc after seeing new address add to my credit report and services i connected the company advised unauthorized as i dont reside there there notes indicates closed no balance.Company not sure why months later ipen same fraud address and sent collections after account was closed. There cooperate supervisor didn't see this as a problem and calling billing to correct collections refused to return acct and delete any personal information profile from there system which should not be there but do to original credits error
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I attempted to open a credit card with capital one, and i think it might be a scam. They asked for my routing and account numbers and i gave those numbers to them. So yesterday XX/XX/XXXX I signed up to put a deposit of {$99.00}, they have not taken money out of my account yet but the whole thing seems off.
Consumer complaint received 2021-08-22
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. (LA)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Consumer complaint received 2021-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

On XXXX ; XXXX, the company Merchant 's Credit Guide Fraudulently reported on my credit profile that I am in debted to their company. I never entered into an agreement with this agency, please remove this collection, or I will be forced to pursue litigation. The next steps are to file a Complaint with the State Attorney General Office in my State.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Dear Sir/Ms.i would like to complain about my closed account on line with city bank, I, ve tried to open account on linewith your bank, but after they open the account and i deposited {$1000.00}, your bank representative, closed the account without sending my fund ( the {$1000.00} ) and for almost 4 month I have been calling talking to too many supervisors, and get promisesabout sending the check but they neverfinish their job and i never get my check .MY ( ACCOUNT NUMBER is ( XXXX ) name on the account XXXX XXXX .you are keeping my money .I 'll start complain with you for now .please respond. My phone number is XXXX and the supervisor isXXXX XXXX.Ineed my money
Consumer complaint received 2021-08-20
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: Paramount GR Holdings, LLC (CO)

After 10 months of dealing with a company called Loanpal and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX. Loanpal also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company Loanpal, nor should the inquiries that were never authorized be on my account at all.
Consumer complaint received 2021-05-02
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: SYNCHRONY FINANCIAL (CA)

This company is reporting an account under my social security number which they claim was charged off. I have sent letters via certified mail to the company Formally disputing the debt and asking them to verify and send me proof the debt is mine. I received no proof. The only thing I received was a paper from them asking me to fill it out with information to help them find and locate the account in question. According to the fair credit reporting act the burden of proof is on the creditor and not the consumer. Furthermore, the information they requested was already included in the original letters sent via certified mail. Per FCRA, The Creditor must report the account as formally disputed to the three major credit bureaus within 30 calendar days. I have time stamped credit reports showing they did not report the account as disputed. I asked the company to delete and remove the information they were reporting and received nothing but the same letter asking me to help them find the account they were reporting. There are major federal laws that were broken and infringement on my rights.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Federal Financial Services Inc (NC)

I have received a copy of my credit report and it shows company FED FIN SVC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (SC)

I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed. 
I have redacted personal information. 

This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately. 

According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 

This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter. 

I feel that I am upholding every part of the agreement, but they are not.
Consumer complaint received 2021-05-20
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. (GA)

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX ; and XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX and XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I was a victim of identity theft about a year ago. I set up account with all credit agencies, including email/password accounts ( strong password stored in password manager ). 

I went to sign in to my Experian account and it isn't accepting my username and password. 
I go to password reset and it says it sent a reset email to an email that is not me. 
It seems clear someone has gained access to my account and changed the contact email. 

I've called every phone number i can find on their website. I can't get through the menus to talk to someone about this. There appears to be no mechanism to get this fixed. Meanwhile, someone has access to my crediit report and was able to acquire it by taking over my Experian account.
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MI)

On XX/XX/2020 I was the victim of a scam, I was buying a boxer puppy from who I thought was a breeder out of North Carolina. We exchanged multiple emails and a contract. I thought it was legitimate. They asked for payment through XXXX, which is available through my PNC Bank app, leading me to believe I would be safe. I transfered {$650.00} to said breeder and within 12 hours realized it was a scam, no puppy, not even a breeder. I immediately called PNC Bank 800 # for customer service, told them it was a scam and I want my money back. I was told they couldn't do anything while the transfer was still pending, I was instructed to wait until it posted and then they could file a dispute. I called back at XXXX the next morning and filed my dispute. I received a letter today saying the transfer was valid and processed correctly. They won't do anything. I am furious that I am supposed to be able to trust my bank and I am getting zero assistance in this matter.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management was paid in full on XX/XX/2020. On XX/XX/XXXX, I called to request a receipt for payment, because one was not provided at the time of payment. I was then informed, though my balance is {$0.00}, that the business doesn't provide receipts for payment and that I'm not " eligible '' for a letter documenting the full payment until ten days after the payment was made ( two days before the hearing date ). The warrant of debt was received by courier ten days after the date recorded on the document. The mailed legal documents, dated XX/XX/XXXX, were deposited in my mailbox twelve days after the date printed on that document, on XX/XX/XXXX. When I contacted Midland to ask if they intended to continue pursuing a lawsuit on a {$0.00} account balance, MCM 's representative responded XXXX twice ), with only, " Well, you do still have a [ lawsuit ] ( paraphrased ) ''. Now, I'll go to court to defend myself from litigation over a debt that is no longer owed, without a receipt, having only a printed screenshot of the payment confirmation and my bank record of payment, because Midland Credit Management says it's not their " policy '' to provide receipts for payments made to them. Incidentally, I originally took on the debt ( now, finally paid ) in order to get food.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I have not received correspondence as a result of numerous previous attempts to resolve this issue. 

I have contacted this creditor numerous times to reasonably resolve a repossession issue, but am getting the run around. I have asked for the payoff amount and am now being told three separate amounts. XXXX  is reporting {$7700.00}, Equifax is reporting {$9400.00} with a collections account AND the original account for {$7700.00} meaning that this account is affecting my credit twice, and the creditor themselves are saying the pay-off amount is {$9300.00}. The car was completely undriveable ( a total lemon ) within days after purchase. The dealership ( XXXX XXXX in XXXX NM ) said that the issue of the car shaking immediately after purchase would be covered under warranty and to go to the XXXX dealer. We went to the XXXX dealer and the issue was not covered under warranty. After losing employment due to the car no longer running shortly after purchase, I asked repeatedly for the car to be returned to the creditor. It took months for them to finally come get the car. The car was sold at auction, bringing in earnings and the total amount owed down from the loan. 

Should this issue remain unable to be resolved, I am requesting this information is REMOVED from my credit report, as it is reporting vastly differently across all three credit bureaus and violating the FCRA regarding fair consistent balances reported across bureaus. I will be escalating this issue should these legal violations continue.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

my XXXX  credit report is showing i owe td auto finance XXXX dollars.?? 

but i dont understand how i owe td auto any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe td auto any money..
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I received a letter from Wells Fargo Home Morgtgage a couple of weeks ago indicating that their escrow ananlysis indicated an upcoming escrow shortage of {$490.00}. I agreed with this analysis and immediately called Wells Fargo Home Mortgage to advise them that I would be mailing them a check for {$490.00} to cover the escrow shortage. I subsequently made my monthly mortgage payment ( which includes escrow ) by the XX/XX/2018 due date. The separate check for {$490.00} was received by Wells Fargo and was reflected as having been cashed by Wells Fargo according to my bank.

Today I received a statement for the XX/XX/XXXX payment from Well Fargo. It omits the fact that I paid the escrow shortage of {$490.00} and my subsequent XX/XX/XXXX payment ( and every payment thereafter ) is higher than it should be. I immediately called the Customer Service Department at Well Fargo and they could not confirm receipt of the check for the {$490.00}. I advised them that I can see through my banks online banking features that the check was cashed by Wells Fargo. I was told they would look into where the {$490.00} went.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

NOT MY ACCOUNT : Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$10000.00} Highest balance {$12000.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$7600.00} Highest balance {$8800.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$3600.00} Highest balance {$4300.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$850.00} Highest balance {$860.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1200.00} Terms NA On record until XX/XX/XXXX NOT MY INQURIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$470.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX NOT MY NAME : XXXX XXXX XXXX XXXX XXXX