davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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: ENCORE CAPITAL GROUP INC. (NJ)

This company has violated my rights. 
MIDLAND CREDIT XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt. 
15 U.S. Code 1692c 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 U.S.C 1681 section 602 A. states I have the right of privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2021-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (TN)

I, XXXX XXXX, is the consumer in fact and I am asserting all rights pursuant to 16 CFR XXXX. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( XXXX ). 

I entered into a consumer transaction with Mariner Finance , LLC on XX/XX/2021. I provided all of the necessary documentation and I was approved for the amount of {$2500.00}. I signed a promissory note to received funds for the extension of credit, but I never received a benefit or any other exchange for the signature that I provided on the promissory note. I reached out to Mariner Finance on XX/XX/2021 to take care of the matter, but they refused to fund me despite of my signature to the note. The organization said that I didn't provide proof of income within the last 30 days and this accusation is false. I have the copy of my pay stub as an attachment. 
According to the Equal Credit Opportunity Act, Mariner Finance , LLC is in act of discrimination pursuant to 12 CFR 1002.9 ( b ) ( 1 ). I, consumer, exercised my right in good faith pursuant to the Consumer Credit Protection Act. 

On the bottom of page XXXX of the promissory note, it states that this instrument is pledged as collateral to XXXX XXXX Bank, XXXX. I, the consumer, demand documentary evidence pursuant to 15 U.S. Code 44 from Mariner Finance , LLC to prove that the organization did not sell this note and receive any benefit from signature. Failure to do so is considered an act of embezzlement by Mariner Finance , LLC. pursuant to 18 U.S. Code XXXX and I assign the Consumer Financial Protect Bureau to exercise its authorities to protect me, the consumer, from any abusive acts to which Mariner Finance , LLC may have induced.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. Midland credit Management sent me and filed with the credit bureaus that I owe {$560.00} to XXXX and Midland. I blocked my card at a XXXX XXXX  and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted Midland and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which XXXX never returned to me. I have sent paperwork to XXXX and Midland to show that I was in prison and I had locked my card but nothing has been done.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

Citibank scheduled a closing for XX/XX/XXXX for the purchase of a second home ( loan number ending XXXX ). All necessary parties were at the office waiting for Citibank but they were unable to fund and the closing had to be adjourned and rescheduled for XX/XX/XXXX. I was charged additional fees from seller 's attorney, my attorney, as well as the title company for the lost time because of the failed closing. I filed a complaint with Citibank and after much prodding a manager finally called me to apologize and to let me know that Citibank will provide monetary compensation for the snafu. I received a credit on my credit card for {$780.00} on XX/XX/XXXX and assumed that was the monetary compensation they spoke of. I emailed the manager who called me on XX/XX/XXXX to alert him that the refunded amount did not equate to the additional charges I was assessed. Additionally, I had a refi application ( loan XXXX ) for my primary residence from XX/XX/XXXX that is still pending. He responded on XX/XX/XXXX that he has put a rush on my refi application and that he will look into the credit for loan XXXX. 

After weeks of waiting and not getting a response regarding my refi application, I filed a complaint with CFPB. In Citibank 's response to my complaint XXXX, they claimed that my loan was cancelled due to missing paperwork and that the application fee of {$780.00} was refunded in XXXX. This is when I realized that Citibank never kept their promise regarding the reimbursement of fees for the loan associated with the purchase of my secondary home ( XXXX ) and are now lying about the refi to cover up their mishandling of my application. 

Citibank claims my refi application ( XXXX ) was withdrawn in XX/XX/XXXX due to missing paperwork and a new application ( XXXX ) was resubmitted on XX/XX/XXXX. In my conversations with Citibank at the time, they told me that the loan was resubmitted because they were migrating to a new platform and that I do not need to worry because I will not lose my place in the queue. They also claim that my application XXXX was cancelled due to missing documentation. The last correspondence I received from their loan processor was on XX/XX/XXXX confirming receipt of the insurance information they requested. I continued to follow-up with Citibank for a loan status and In no point in time did Citibank notify me that any documents were missing or that my loan was cancelled. I had to learn of this on XX/XX/XXXX through their response to my CFPB complaint that my loan application was cancelled on XX/XX/XXXX.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

on XX/XX/2019 I filed bankruptcy with the USBK court of XXXX. I withdrew the bankruptcy request on XX/XX/2019. I never completed the process and was never granted bankruptcy for this filing. I have contacted the XXXX  of XXXX  and they have stated that they DO NOT report to the credit bureau. 

I submitted a dispute to TRANSUNION to have this item removed from my credit as it is reporting incorrectly on XX/XX/2019. I received a response saying that it was verified as correct. 

I resubmitted my dispute on XX/XX/2019 stating that they could not have verified when the XXXX    Court of XXXX  stated they do not verify with the credit bureau. I also submitted the same request to XXXX  and they removed the credit report when they verified. I sent all of these items to TRANSUNION and they can not provide me with the source they spoke with at XXXX COurt of XXXX  to verify this account is valid.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

Late Payments I didnt receive Notice were in XXXX 30 day late in XXXX and XXXX I sent a letter on XX/XX/XXXX under tracking number XXXX XXXX XXXX Experian requesting to do a reinvestigation requesting XXXX XXXX account number XXXX was to provide this notice to consumer prior to, or no later than 30 days, after furnishing negative information, which I didn't receive proof of the notice was sent to me. 
According to the FCRA, Section XXXX ( a ) ( XXXX ), XXXX XXXX, as a Furnisher of information were to provide me with written notification no later than 30 days after furnishing the disputed late payments on XX/XX/XXXX and XX/XX/XXXX. However, XXXX XXXX failed to comply with the responsibilities of a Furnisher as enforced by the FCRA, as this written notice was never provided, and violates my rights under the FCRA. 

Therefore, under Section XXXX ( a ) ( XXXX ) of the FCRA, XXXX XXXX have a duty to correct and update this information to either ND ( No Data ) or NR ( Not Reported ). They never updated this information to ND or NR.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I mailed two letters to USA from XXXX about 5 weeks ago XXXX has not received letters I made dispute about this already and {$12.00} was credited due to services NOT rendered Now I see rebill XX/XX/XXXX for {$12.00}, WHY? 
If XXXXXXXX XXXX has found my letters please let me know! 
If XXXX post responded, may I see response! 
What is going on, why rebill for lost delivery when 5 weeks nothing has arrived PLEASE CREDIT ONCE AND FOR ALL OR SHOW XXXX XXXX RESPONSE
Consumer complaint received 2021-05-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX
Consumer complaint received 2021-05-28
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

I made my regular monthly payment, early and with additional principal- as always. The website applied it wholly as principal- none towards the monthly payment. Ive tried to contact them, the phone number doesnt work. You dial it and it hangs up on you. I emailed them, nothing. Meanwhile they reported it as a late payment and have effectively trashed my credit scorXXXX. If I had an extra {$2000.00} to make a double payment due to their error I would. I need this fixed asap and my credit report corrected. Lakeview loan servicing is terrible.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have a debt on my Credit report that should not be on there.XXXX XXXX {$360.00} should be taken off my Credit Report.I sent a 609 letter XX/XX/2021 and havent got a response yet from TransUnion.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

My first payment for this loan was due XX/XX/2017. I set up an automatic payment for {$300.00}. As you can see, it was deducted from my checking account. It also says " current '' on my credit report but STILL marked as 30 days late.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/21 I went into my bank which is Suntrust Bank to withdraw funds from a wire that was from a client for in the amount of {$50000.00}. It was a new account. And Ive had a long relationship with Suntrust with no issues whatsoever until now. They froze my account. Would not tell me why and I had to find out through multiple calls through the wire department. It was because the sender who happened to be my client accidentally sent himself as the beneficiary. XXXX XXXX  has electronically reached out to Suntrust confirming the wire as well as the sender. I was told they are in the process of closing my account and have sent me mail as of XX/XX/21 but I have yet to receive it. Ive requested to have them release my funds as soon as possible but have not been helpful at all
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

When Covid  hit my wife and I looked into mortgage payment deferral with XXXX XXXX. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from XXXX XXXX. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (FL)

I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, IncXXXX is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase Southwest credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from Chase stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX and I went to prison on XXXX and I was released XXXX of XXXX. XXXX XXXX  XXXX sent me and filed with the credit bureaus that I owe {$560.00} to Citi and XXXX. I blocked my card at a Citi bank and was told no charges would be allowed on the card until I reactivated the card. I did this because I was going to be in prison and I did this for this exact reason. I contacted XXXX and they told me the card was used and someone paid some of the balance through XXXX. I did not authorize this and the card was locked. I don't know how this happened, the card was locked. When the card was locked in XXXX XXXX I had a limit of {$2000.00}, a credit of {$5.00} owed to me and rewards in the balance of {$690.00} which Citi never returned to me. I have sent paperwork to Citi and XXXX to show that I was in prison and I had locked my card but nothing has been done.
Consumer complaint received 2021-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (CA)

As i write this, I am in complete tears. i wrote about this company prior and still no resolution! They have lied in response to my complaint! I am seeking the best legal actions to take at this point! i wake up this morning to more false reporting! they have violated me enough! clearly 15 u.s. code 1692 meaning nothing to them! But the law is the law! I have endured so much hardship due to ally financial! everything about this debt is inaccurate information reported all across the board! not only do they refused to removed this off my credit completely! they continue to taunt me! adding more stress and XXXX to my daily life! this account was put as a charge off years ago! they claim to have sold the debt allegedly owed! yet they themselves are still reporting. While the other company continues to harassed me with letters. I am in the process of trying to Move due to the pandemic and XXXX XXXX dropped my credit 100 point due to ally reporting their lies! on a closed CHARGED OFF account! ( reporting that i have missed a payment this month )! on a closed/charged off account?? from 2018! like this back and forth is sooo stressful me continuously begging them to right there wrongs have sent me into a spirally XXXX! sending letters after letter to both ally and XXXX XXXX! now on XXXX XXXX ally is reporting it as new open account! i want this delete or i wan na find the best lawyers to take legal actions I am at working in tears writing this. I am unable to focus on my job. How can they do this and also allow another company to bully me by constantly sending me letters as well in reference to the same exacted debt! I NEED HELP! THIS IS XXXX AFFECTING ME! Ally financial is a horrible company that continue to falsely report inaccurate and egregious information and I NEED JUSTICE! they are putting me through XXXX! i have documents to back the letters ive sent! voice recordings for them claiming the gap insurance being rebated but i have full evidence that it is still open on a vehicle i have no possession of! down to the last payment they reported is inaccurate. This should be a crime! this is the last plead i am making! i need this removed from my credit expeditiously! or they will have to pay me for each inaccuracy they have ever reported on my Name. now because of them i may be homeless!

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Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

Capital one placed a 7 day hold on payments to my account. This information is not in there terms and conditions. The terms and conditions state within 24 hours. They placed a 7 day hold on the payment.