davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, WA XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX RE : Unauthorized Inquiry into My Credit Report by Midland Credit Management Acct # : XXXX & XXXX Dear CFPB, I am writing to file a complaint against Midland Credit Management ( MCM ) for unauthorized inquiries into my credit report. 

I have obtained a copy of my XXXX credit report, which reveals that MCM accessed my report twice on XX/XX/XXXX, and twice again on XX/XX/XXXX. I have not had any prior communication or dealings with MCM, and I did not authorize them to access my credit report. 

The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ), limits the permissible purposes for which a furnisher of information ( like XXXX ) can share my credit report. According to the FCRA, a permissible purpose includes a legitimate business need related to the collection of a debt. However, since I have not had any prior communication with MCM, their inquiries can not be for a legitimate business purpose. 

These unauthorized inquiries have likely resulted in a negative impact on my credit score. I request that the CFPB investigate this matter and take appropriate action against MCM for violating the FCRA. This may include requiring MCM to cease any further unauthorized inquiries and to compensate me for any damages caused by these violations. 

I have attached a copy of my XXXX report highlighting the inquiries from MCM for your reference. 

Thank you for your time and attention to this matter. I look forward to your response and the CFPB 's assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of XXXX Credit Report ( Highlighting MCM Inquiries )
Consumer complaint received 2018-02-10
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 (NY)

In or around XX/XX/2016 i opened a credit card with td bank i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail td claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with td bank and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by td bank and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX XXXX   XXXX you name it i hired XXXX XXXX i called td bank a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides td bank the worse bank by far anyone who just neglectfully not make payments should be punished in this way
Consumer complaint received 2018-02-10
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. (FL)

I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an XXXX issue and they need to update their records.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (LA)

I took a loan through Mariner Finance while stationed in SC. I was needing funds for a lawyer and child custody case. Upon receiving orders to Louisiana I was informed of SCRA protections to lower interest rate to 6 %. Upon leaning this I intuited communication with the branch and they stated they did. It have to honor any law from Louisiana because they were in South Carolina. But being that there are Mariner Finance locations all around the country including Louisiana they should honor the SCRA protections afforded service members.
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: Bay Equity LLC (GA)

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

- I sent a letter to remove this inquiry to the creditor on XX/XX/2021 and have not received a response. It is now past 30 days.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I've recently reached out via certified mail to XXXX Equifax and XXXX about providing validation for an U.S Bankruptcy XXXX XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and XXXX. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt
Consumer complaint received 2021-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOTANATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX # XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I received a letter from MCM Midland Credit Management on XX/XX/2020 attempts to collect the debt that not belong to me. They try to collect the money for XXXX XXXX. account number : XXXX and the Midland Account number : XXXX with XXXX XXXX account : XXXX. The amount of account balance is {$14000.00} I never have a account number like that with XXXX.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

In XX/XX/2022, I received a copy of my credit report. There was a collection Account from Credit Collection Service. I have never received written documentation About this debt, didnt receive notice of right to dispute and Didnt receive any information about this debt.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions has been reporting an account delinquent that never was. According to statements and printouts from the bank the account is current. There are late fees that are passed due but payment has been made before being 30 days. Regions back office and branches can not figure out why the systems do not match up. This is affecting my credit and business.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised
Consumer complaint received 2021-06-09
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. (RI)

On XX/XX/XXXX at XXXX XXXX est a payment in the amount of {XXXX} was made to XXXX XXXX and I was hit with a 30 day late payment on my credit report.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

In response to the letter that The Bureaus, Inc sent to me in the beginning of XXXX I sent the following letter ( below ) to The Bureaus, Inc. on XX/XX/XXXX. 

To : The Bureaus, Inc : I_______, have written this letter to dispute a claim that is falsely listed on my credit report with your agency. See below. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX Original Account # : ______________ Your File # : _______________ Amount owed : {$430.00} After carefully reviewing the paperwork that I have received from your agency I have noted the following : ( 1 ) There is NO explanation as to how the initial balance of {$280.00} in XX/XX/XXXX was calculated. 

( 2 ) Since then, only {$150.00} in purchases were added and the rest were excessive fees and exorbitant interest on an inflated balance. 

I demand that The Bureaus, IncXXXX produce the original credit card agreement SIGNED BY ME and a complete accounting of how the amount you claim due was calculated. 

I am NOT the owner of this debt.
Consumer complaint received 2022-04-30
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)

Experian, XXXX and XXXX have reported a XXXX late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX ) , which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, they said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Consumer complaint received 2021-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''
Consumer complaint received 2021-06-09
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX -This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 
CITI XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-03-21
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-08-20
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. (AZ)

Since XXXX Ive been fighting with the credit bureaus to remove all of the inaccurate information and collection accounts that are listed on my credit due to fraud and me being a victim of identity theft and Experian has refused multiple times after calling, certified with signature required requests to remove the inaccurate information and accounts from my credit. I even provided an official police report that deemed that they agreed I am a victim of identity theft and I provided 2 valid forms of identification and they have yet to remove them. Per FCRA laws any information that is not accurate must be removed within 30 days. Which it has been over 30 days its been over a year!!! Experian has also failed to provide the proof on how the information was verified which they have to provide which they have failed to do such as well. They even provided me an alert stating that my information was found in the dark web and I could be a victim of identity theft!! I have reported this to the IRS as well because someone tried to file taxes under my social. All I am asking if for them to do what is right and follow the law as I have rights to protecting myself. 

I am stating from XX/XX/XXXX that I no longer would like any accounts reported to my credit reports!!
Consumer complaint received 2018-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX for the amount {$330.00}. 
I have sent XXXX XXXX a debt validation letter and XXXX XXXX has not responded or removed themselves from any of the credit reporting bureaus. 
I have n knowledge of this debt nor XXXX XXXX.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (IN)

So on XX/XX/XXXX I went to a basketball court and my Current Credit Card was stolen from me. I realized my my Card was stolen on XX/XX/XXXX I put in a dispute with the bank Current under the Dispute ID : XXXX I informed them of where the card was stolen from and that there was an unauthorized and fraudulent charge on my account. The charge was for a XXXXXXXX XXXX  for {$93.00} cents. I have never even HEARD of a XXXX XXXX AT ALL! They said the conducted an investigation but will not send me the results of said investigation. I should have never have to pay for a charge I did not make or authorize
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SENTE MORTGAGE (TX)

My loan began XXXX XX/XX/2020. I was forced to provide an escrow for home owners insurance as well as property tax. I provided the lender in XXXX with documentation from the county indicating that as a XXXX veteran I pay XXXX property tax. I am exempt from property tax. The loan servicer has acknowledged that they have received the documentation, they recognize that I do not pay nor owe any property tax, and that I am due a refund of property tax taken into escrow in the past. Four months later I have not received the funds that were erroneously charged and I am still assessed for property tax within the escrow account by my loan provider every month.

I have contacted my loan provider on four separate occasions concerning this issue and each time I am told the same thing : " I see you do not pay property tax, I am processing your account for the refund, I am updating your loan so you are not forced to pay this tax every month ''
Consumer complaint received 2020-11-04
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: Conn's, Inc. (TX)

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Consumer complaint received 2018-02-10
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: BARCLAYS BANK DELAWARE (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-10-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

My property is up for a property foreclosure sale XX/XX/2018. I have spoke with my mortgage company Ocwen Servicing several times. I faxed requested documents with my finances to Ocwen so they could assist me with a mortgage modification. I had a reduction in my income that caused me to become delinquent with my mortgage payments.
Consumer complaint received 2023-03-21
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. (CA)

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

15 U.S.C 1681 section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It Also states a consumer reporting agency can not furnish a n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

I was previously with Simple Bank and switched over to BBVA. I joined Simple as they did not charge any fees. They heavily advertised Banking without fees. I do not wish to bank with BBVA and want to close my account. I feel it is not at all what I signed up for.

BBVA refuses to close my account. I contacted them XX/XX/2021 to close my account. They refused as I had a dollar in my account. From there they have strayed to charge me overdraft fees. I contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to close my account. All three times they refused as now they say I owe them money, and the amount increases every time. 


I feel they should close my account and not continue to charge me any new fees. The terms of the account have been significantly changed since I originally signed up and they are imposing many new policies on me that were the exact things I tried to avoid by choosing the bank with Simple.