davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (AZ)

It appears as though Midland Credit Management has violated a XXXX ruling against the company by the Consumer Financial Protection Bureau in XXXX by making threatening statements to consumers by threatening to file a lawsuit against them yet they fail to provide the burden of proof of debt of the original credit card agreement, proof as to who made the purchase, and proof as to who opened the account. All what they provide is a credit card statement that can be easily forged. The verbiage " we intend to file a lawsuit '' to me is a threat which to my understanding is a violation of the CFPB and is seen as an intimidation tactic with the sole purpose of intemidating a person into paying for a debt that they failed to prove. There are other areas in this letter that to me is a red flag for a scam such as " including the attached documents '' which by not providing everything that they have to me is a scam and or immediation tactic to get someone to pay for a debt that is not theirs.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

I would like XXXX XXXX XXXX XXXX XXXX debit that was purchased by LVNV FUNDING LLC supress since the correct amount is not reflected on the statement that should be owed. In XXXX and contacted XXXX XXXX XXXX directly to request to close my account and I was denied to close the account. I immediately stopped utilizing the credit card when it reached {$450.00} of its credit card limit and informed the company I no longer wanted an account. They insisted on keeping my account open although I told them I was unable to maintain my account at that time. In XXXX LVNV requested an immediate payment of {$1300.00} for outstanding credit charges. However, my credit limit on the card was {$450.00}. I contacted XXXX and informed them that I was willing to pay what used on the card but I refuse to pay an incorrect statement amount since I did contact XXXX XXXX  to request to close my account but they refused. I would like for this debit to be removed since it is more than XXXX XXXX XXXX.
Consumer complaint received 2021-10-09
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: National Credit Adjusters, LLC (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-08-19
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. (LA)

I agreed to a settlement amount with XXXX XXXX  XXXX  the terms of the settlement company agreed to correct payment history to all 3 CRA. The information is still not reporting correctly I contacted XXXX XXXX to do a investigation they sent me a letter stated they needed to correct the payment history still not corrected I tried disputing the information and it still has not been correcting this account is showing a negative account and it should not this is messing up my ability to obtain new credit.
Consumer complaint received 2020-10-19
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)

I signed documents with XXXX XXXX for an Auto Loan at 4.29 % for 72 months. The New Car Dealership that I purchased the  vehicle from titled the vehicle improperly. Once notified by XXXX XXXX I spent 2 days tracking down the title, signing it and turning it in at one of their branches with the branch Manager. Therefore XXXX XXXX is in possession of the title which should have shown in good faith that I wanted this to be an amicable relationship. During this entire time, I continued to pay my contracted payment of {$1100.00} EARLY every month. Based on conversations that I have had with XXXX XXXX, my contracted Auto Loan with GAP insurance has been converted to an unsecured loan at some outrageous interest rate which I never signed up for and they have continued to report my payments late to the credit bureaus although they receive their payments month in and month out. In addition, they are still charging me for GAP insurance on what they consider an unsecured loan. As someone who works in the Automotive Industry at the dealers level, I have never seen a Credit Union release funds until the Title App was properly filled out showing the bank as lienholder. Although this whole ordeal is NOT my fault, I have taken time out of my busy schedule in an effort to rectify this situation.
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent XX/XX/2020. The 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan chase- I deposited a check for {$4000.00} on XX/XX/22 but when i tried to withdraw a portion of it from the ATM, it gave me an error message indicating JPM Chase is in process of correcting a debit for {$3600.00}. I returned to the bank on XX/XX/22 to speak with a representative as the error had not corrected and I could not withdraw the {$3600.00} to pay my contractor. Per customer support, this is uncommon but does occur and I should be credited back the missing funds in a matter of days. However this doesnt seem like a fair practice to withhold my funds for days when I need to withdraw to pay my bills. If the cash withdrawal had been for my rent payments this would have been a bigger deal.
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: REDEMPTION FINANCIAL SERVICES LLC dba NATIONAL AUTO ACCEPTANCE (LA)

In XXXX a vehicle was financed by Redemption auto with offices operating in XXXX and XXXX Louisiana. Terms of the interest to be paid were very high, but in desperate need of a vehicle and was lead to believe that a few on time payments would decrease the monthly payment amount. But the vehicle needed several repairs leading to the car being repossed and surrendered in XXXX of XXXX. Then, In XXXX the Company hired attorneys to collect the unpaid balance on the account which at the time was about {$9000.00}. Prior to the suit being filed there was no notification in any form that legal action was taking place until I was served documents stating that I was being held accountable to pay the balance by means of wage garnishments of 25 % per paycheck. The garnishments lead to tensions of the job with the company pressing me to clear the matter. So in XXXX of XXXX I began to file for bankruptcy after paying around {$3500.00} towards the balance in XXXX. After being discharged from the bankruptcy I heard no more from the attorneys XXXX XXXX XXXX. I switched jobs in XXXX of XXXX and tried to reach out to redemption finanacial to settle the matter but no replies or answering of the phone. In XXXX of XXXX I received letter from Attorney XXXX XXXX located in XXXX XXXX La about suing and seeking wage garnishment to pay the balance of the loan from XXXX in excess of {$20000.00} being owed due to daily interest being applied. I called and reached out to the attorney and offered a lump sum of {$3000.00} and asked to interest to be relived and credit from previous payments to be considered and settle the debt. He refused and hung up in my face without no resolution. Again I reached out and explained the financial situation I was in would not allow me to pay over {$20000.00} due to owing federal back taxes and that I have two garnishments already with child support and state tax levy on my wages and any other attempts would put my job at jeopardy with the new company. Again Mr XXXX refused and have not answered and Futher calls. In closing the Orginal loan was misleading And predatory as well as the attempts to collect on the balance and the nature of pursuing wage garnishments jeopardizing my livelihood and support of my family. I would like to file complaints on both XXXX XXXX and XXXX XXXX law firm in efforts to alert others of the practices which is very unfair and have the businesses update and evaluate debt collection practices
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize for these companies to perform any type of inquiry on my credit report. 

These fraudulent actions were conducted without my consent or knowledge. 

REMOVE IMMEDIATELY!!!
Consumer complaint received 2022-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MO)

We started having issues paying our mortgage online in XXXX of XXXX. In XXXX my payment was reversed, which I was not aware of until the end of the month. I had seen it pend in my account and assumed it was processed as it always has for the last 4+ years since no account or banking information had changed. When I called to inquire why my account was showing past due, I was told to contact my bank since they reversed the payment due to not locating the account. The lady I spoke with told me they would put a hold on my account while we sort this out so that I wouldnt incur late fees or get sent to collections, that was a lie. 
When I reached out to my bank, they showed no record of this. I did find somehow my account numbers had been changed on Calibers end to a number I did not change it to or recognize. After updating the account information to the correct numbers, I attempted to make a payment again with my checking account as I always have and it pended again, but, this time I watched it and saw Caliber showed it reversed again even with accurate routing and account numbers. I then tried paying with my debit card. I saw this money removed from my account so assumed the issue was resolved. When I logged on to find tax paperwork and make a payment, I saw that Caliber shows this as reversed again, however, this money was still missing out of our account. I had to work with my banks fraud department to get this money back since Caliber couldn't tell me where it went. I've tried making 7 payments in the last 4 months and only two have applied. Twice my money has gone missing even when shown " reversed ''. Their website is also misleading. When I log on it does not show the accurate information on payments or how many are missing. It currently shows we are only missing 1 payment from XXXX when I believe we are technically missing 2 at this point since it's been 5 months now and only 2 ( hopefully 3 ) have actually processed. The 2 that have processed were paid in the same way I have attempted to pay 5 times, which is the way we made payments the last 4+ years.

Caliber has made no effort to help resolve this issue. I've tried their service line, I submitted necessary documents for an " account review '' which was 8+ weeks ago and I've heard nothing from Caliber. I've even tried going to a physical location, but no one was there and they won't return my messages. This is an issue on their end that they won't help us resolve, instead they have sent us to collections and threaten foreclosure when we have been trying everything on our end to make these payments.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX Account # XXXX Reason : The account was closed by the consumer It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

All my credit inquiries are using an old physical address that I need to have changed to my po box as I am a XXXX XXXX XXXXXXXX veteran and can only utilize this po box at this time for the Safety of receiving future Credit card offers!
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

American Express date open XXXX, XXXX charge off {$1600.00} wittten off for {$630.00} as of XX/XX/XXXX by American Express. This account was paid by fraudulent checking account open on my name American Express disregard to help remove from credit profile I would like American Express to file a 1099c to remove this debt thank u
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

A Wells Fargo checking account was opened in my name on XX/XX/2022 and then closed on XX/XX/2022 without my consent for either. I called Wells Fargo and they would not provide me any details on what branch the account was opened at nor what the reasoning for the closure was.
Consumer complaint received 2022-01-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation (GA)

ONE MAIN VS MYSELF, XXXX XXXX. 

XXXX XXXX GA JUDGE ORDERED CASE DISMISSED IN MY FAVOR AGAINST THE PLAINTIFF ONE MAIN FINANCIAL. 

ONE MAIN FINANCIAL IS ENGAGING IN SHADY BUSINESS PRACTICES REPORTING THE DEBT TO CREDIT BUREAUS AFTER DISMISSED JUDGEMENT & ALSO REPORTED INCORRECT & INACCURATE INFORMATION.
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (ID)

I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.
Consumer complaint received 2023-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P. (MI)

Lendly is charging a much higher interest rate than was I was told during the application over the phone. The entire process was over the phone and when I asked for validation of my loan and comments to see my interest rate it was XXXX %. The Michigan XXXX loan maximum interest rate is 25 %. I send the Michigan XXXX statutory law to Lendly and asked for a reduction to the state maximum and was completely ignored.
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (MA)

XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Equifax regarding this fraudulent address and want it removed. 
I checked my credit report via the Equifax site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Equifax needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, XXXX XXXX
Consumer complaint received 2021-06-23
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. (MD)

I submitted my original ftc report on XX/XX/21 and the accounts was not removed or block. Experian is taking it upon themselves to do what they want instead of following the law. The law states that anything included in a ftc report should be removed from the report in 4 days. Always I know my rights as a consumer, I am the original creditor and only I can validate any alleged debt. Experian keep says that these accounts have been validated by the creditors but have not provided any written proof from the creditors of this alleged debt.
Consumer complaint received 2023-03-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

I received two e-mails that XXXX funding deleted my payment arrangements. They are not listed on my account anymore. They failed to mention this in their last response. I take it as they have closed the two accounts and sent them back to the creditor.
Consumer complaint received 2022-05-01
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. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent Experian Inquires Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-23
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: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC