davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management has placed a collection on my credit report without following the laws such as " US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan '' . They have a collection for XXXX XXXX XXXX XXXX. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre ) . I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.
Consumer complaint received 2021-04-22
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: AES/PHEAA (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2017-10-06
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. (GA)

Over the past year on a monthly basis, I have been contacting Equifax in reference to fraudulent accounts opened and requesting deletions and investigations from my credit file. Equifax still to this day still has an incorrect date for my birthdate as well even after several attempts I have sent to have this corrected. Equifax has responded to my complaints stating they have verified these accounts were mine. I have decided to contact the creditors directly as Equifax is choosing to defame my credit file with incorrect information. I contacted XXXX XXXX on XXXX/XXXX/XXXX in reference to a collection account that was not mine. Below is the response from XXXX XXXX : Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX  deleted the tradelines for the account in question in XXXX. XXXX  reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), TransUnion, XXXX, & Equifax. As the consumer stated, XXXX and XXXX have deleted the tradelines. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. Once XXXX has notified the CRAs to delete the tradeline, it is up to them to delete it from the consumer 's credit reports. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal from the Equifax tradeline. 


Per the above response Equifax was instructed in XXXX to delete the XXXX XXXX collection from my credit file. However, Equiafx has reported on every dispute that this debt was verified. This is a blatant disregard for my credit file and is actively reporting incorrect information. This account was to be deleted in XXXX and as of XXXX XXXX, XXXX, this derogatory account is still incorrectly reporting in my credit file. I have several other items that I have disputed that Equifax has stated has been " verified '' as well that I am adamant are not mine.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

THE WELLS FARGO ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU
Consumer complaint received 2019-05-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2019 I made a transaction of {$1000.00} through USAA using XXXX XXXX to an individual named XXXX XXXX XXXX ( at least that is the name XXXX XXXX gave me. It could be an alias ) whom I thought it was the Co-owner of a Condo I was supposed to " rent '' from and I thought at the time to be a trusted person. The other " owner '' an individual named XXXX XXXX ( again, it could be an alias ) whom I made the supposed " contract '' with and whom I had contact with, I also thought to be a trusted person. On XX/XX/2019 I made another transfer of {$700.00} through my bank using XXXX XXXX again to XXXX XXXX XXXX to complete the supposed deposit and first months rent for a total of {$1700.00}. 

In the supposed contract, one of the individuals mentioned above named XXXX XXXX and I had made an appointment for XX/XX/2019 for him to hand over the keys to the condo so that I could move in on XX/XX/2019. Time of supposed appointment was for XXXX on that day ( XX/XX/2019 ). When I got to the condo shortly before XXXX on the morning of XX/XX/2019. I waited for at least 40 minutes and XXXX XXXX never showed up. I texted him, called him numerous times between XXXX and the 40 minutes that I waited and never received a response from XXXX XXXX . That's when I realized that I had been scammed. I called USAA shortly after and reported a claim of fraud. On XX/XX/2019, my bank sent me a letter telling me that the claim was being denied because they concluded that there was no fraud made, and that no further action will be taken. 

I contacted USAA for a second time on XX/XX/2019 to ask how is it that the bank came to the conclusion of no fraud being committed. I was transferred to a representative named XXXX ( do not recall her last name ). She explained that because I made and authorize the transaction, the investigative only looked at whether I had made the transaction or not. After giving her all the background of what has occurred, the other thing that she suggested that she could do was to submit the case as a dispute rather than a fraud. So, she submitted a claim on my behalf on XX/XX/2019. Ten day later, on XX/XX/2019 USAA sent me an email saying the following : We've completed our investigation and determined an error did not occur for the following reason : XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. 

How is it that an institution such as USAA whom I have had many years of trust and confidence, provides a service that does not provide any protection what so ever to its customers? And turns around and wash their hands in the face of criminals using the very service that they provide as a safe option to their customers to transfer money leaving many victims of fraud fend for their selves without any back up from their bank institution.
Consumer complaint received 2021-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I FILED A CFPB REPORT ABOUT 2 MONTHS AGO IN REGARDS TO AN ALLEGED DEBT THAT IS REPORTING ON MY COSUMER REPORTS. I SENT THE COMPANY A CEASE & DESIST AND ALSO REQUESTED A DEBT VALIDATION. ITS BEEN 2 MONTHS AND I HAVE NOT RECEIVED A DEBT VALIDATION THE ONLY THING THE COMPANY SENT ME WAS DECEPTIVE FORMS IN A FORM OIF STATEMENTS MADE TO MAKE ME BELIEVE AS THE ORIGINAL CREDITOR THAT I ACTUALLY OWE A DEBT. BILL STATEMENTS IS NOT A FORM OF VALIDATION UNDER TEH FDCPA LAWS. VERIFICATION AND VALIDATION ARE TWO DIFFERENT THINGS, I HAVE SEEN SEVERAL VIOLATIONS SUCH AS THE COMPANY PRINTING THEIR LOGO ON THE LETTER WHICH IS A VIOLATION UNDER THE FDCPA. IF THIS ISSUE DOESNT GET RESOLVED WITHIN 14 DAYS I WILL BE SENDING THE COMPANY AN INVOIVCE FOR ALL THE VIOLATIONS I FOUND AND I WILL ALSO BE SUING FOR DAMAGES AND THE EMOTIONAL STRESS THIS ISSUE HAS CAUSED ME, WE CAN DO THIS THE EASY WAY OR THE HARD WAY REGARDLESS THE LAW IS ON MY SIDE AS THE ORIGINAL CREDIOR ONLY I CAN VALIDATE A DEBT PURSUANT TO 15YSC 1692G AND I DONT VALIDATE THIS ALLEDGED DEBT,
Consumer complaint received 2017-11-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (GA)

I 'm the creditor FULL DISCLOSURE was not said and once he got my XXXX signature WITH MY XXXX SOCIAL THE DEBT WAS DISCHARGRED SO Y IS DIS XXXX  ASKING ME FOR MONEY THATS DOUBLE DIPPING ON PPL ENUFF TO MAKE ONE MAD TO GET YO XXXX THO dats no longer my debt he is debtor and holder in due course my contract even has a promissory note I signed already u XXXX XXXX XXXX drop XXXX XXXX MY GOLDEN XXXX SIGNATURE PAID FOR XXXX XXXX XXXX XXXX AND Y'ALL NO IT a flight to XXXX  mite sum it all up for XXXX with me the wrong XXXX way anthting happen my fee schedule runimg XXXX keep playing tho.. I want my XXXX and not scared of no XXXX XXXX police 's no recorded line no false tactics the lies and XXXX  y'all do and I 'm retired vet and dis the XXXX thanks I get that 's XXXX ... it 's all fake and fraudulent BUT I 'M A NATURAL PERSON GOSE BY XXXX LAWS BUT YALL XXXX NOT BUT ON OUR EARTH LAND WITH DAT XXXX substantial law to get positive I got y'all XXXX with this lien and u got XXXX to give me my XXXX or else I will run XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cawley & Bergmann, LLP (GA)

I have been receiving multiple calls a day from Cawley & Bergmann I have continuously advised the different representatives to put me on there do not call list and do not call me anymore this is not my debt, the debt collector continuously call and On XX/XX/20 I received several calls from the same debt collector after Covid 19 and the President of United States stated to cease all debt collector calls during this Pandemic. This is not my debt and I have lost my mother in the wait of this Pandemic, I am going through tough times and to continuously have a debt collector call my number I am mortified and appalled that this company Cawley & Bergmann does not have any since of direction, consideration and empathy for what is going on in the world.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

I sent a QWR via certified mail returned receipt requested to my mortgage lender DITECH Financial LLC, requesting information on XXXX XXXX, 2016, and received the green card with signature showing that DITECH received QWR on XXXX XXXX, 2016. The allotted 5 days to to confirm receipt of my QWR expired on XXXX XXXX, 2016. Today s XXXX XXXX, 2016 and I have still not received confirmation of receipt. Any assistance you could render will be greatly appreciated Best Regards, XXXX XXXX XXXX XXXX XXXX Loan # XXXX
Consumer complaint received 2022-08-11
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-05
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. (CO)

This all goes back to my first and ongoing complaint. My score was lowered a whopping XXXX points for merely applying for one credit card a credit card promoted within the Experian site as one to help boost me credit. My score was over XXXX and dropped to XXXX as soon as I was rejected. Not over any bills or payments. Since then I've never once received a reply from them that addressed the exact issue and then you just close the complaint. Since I was punished for applying for a card I continued to pay everything is full and on time AND THAT INCLUDES BUYING A PAYING FOR A CARE DURING THE PANDEMIC yet my score stays far lower than before. It's clear Experian is now punishing me for contacting you. 
Also there in no longer any real way of contacting them their phones do not work at any of their number listed and their website offers nothing.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I contacted Experian Rep XXXX XXXX regarding two concerns. 

1. A Hard Inquiry that was to removed from XXXX 2. Open Account with XXXX XXXX XXXX which shows no payment for XX/XX/XXXX. 
Payment of {$300.00} on XX/XX/XXXX and Loan Modification deferment contract for XX/XX/XXXX that deferred payment til XX/XX/XXXX. 

Experian Rep could not help despite asking for me to send in the required documentation to him .... Waste of time and fax money.
Consumer complaint received 2021-09-02
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. (AR)

Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}
Consumer complaint received 2017-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

CONCERNING LOAN # XXXX EVERBANK Shortly after the loan was closed in XX/XX/XXXX,  I received 2 or 3 XXXX packages containing letters and documents making changes to the Closing Disclosure. I HAVE THE PAPERS DATED XX/XX/XXXX, but I am unable to find the one or two others. I need them. I have called Everbank 3 times and have received wrong documents twice. I have received no response to my recent email. 

Also I have filed 2 previous complaints to cfpb about obtaining the loan. Due mianly to my loan office 's incompetency, I got stuck with an ARM, at age XXXX, due to the % of renters in the condo complex being too high. I recently got notice from the HOA that the % of owners is now over 50 % making it easier to get a 30yr fixed. I would like a 30 yer fixed loan
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M IN NEED OF SOME ASSISTANCE FROM THE CFPB BECAUSE I'VE BEEN REQUESTING THE CREDIT BUREAUS TO DO THEIR PROPER RESEARCH REGARDING THESE ACCOUNTS THAT I HAVE LISTED ON MY LETTERS, BUT IT SEEMS TO BE FALLING ON DEAF EARS. CAN YOU PLEASE MAKE SURE THEY ARE FOLLOWING THE LAWS AND CORRECT THE ERRORS ON MY CONSUMER REPORT. I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : XXXX XXXX XXXX- XXXX .... XXXX XXXX ...., XXXX XXXX XXXX : Account number : XXXX ... XXXX- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX : Account number : XXXX ....- Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc. (GA)

my son drugs stole my ID and got credit cards 3 years ago, i was driven by my wife from my house as they try to put poison in my food, i lost every thing because i could not take lawyer, Now i am retired and get small amount of money with food stamp from government, i could not pay first national bureau as it demanding XXXX dollars for 5 payments as that debts i never used,
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2019I refinanced my home taking some equity out to pay down and reduce my debt ratio. The first equity I had taken and having paid on my house 16 years. The Settlement Company sent Bank of America a check for two account to pay off balances after10 days the check was lost and unable to locate. I called their processing center speaking with supervisor to request a formal inquiry. Also in the interim, the settlement company voided the check and overnighted a new check to the address provided by supervisor. I had not planned on closing these account knowing this would impact my credit. Once the second check was credited Bank of America sent me a letter closing both account. I had never been late or missed payment on either of these accounts, it seemed they were trying to impact my credit by closing these accounts. I called and made inquiry and was told it was their decision to make and there was nothing I could do to change the decision. If the accounts were closed due to poor payments or late payments I would understand, which was not the case the balances were paid off and not listed that way on my credit report. Paying down balance should have improved my credit, but because Bank of America reported an unfair report, it has impacted my score.
Consumer complaint received 2021-07-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: R & B Corporation of Virginia (VA)

I never noticed I have a collection balance on my account. So I paid it off I just need to remove that from my collection.I know this is not mine is owned by some other company but it still seems it's my name so I had to pay. But they didn't remove from my credit
Consumer complaint received 2017-10-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I have a payday loan from 2013. I have a person ( not the company ) continuously calling my work, calling from multiple lines at the same time, harrassing me and my company. The calls are disrupting out work. The caller has used multiple lines including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CO)

Im getting solicited by Chase bank mailers for checking accounts. I am on the do-not-solicit mailing list and ive wrote them 3-4 times and emailed the same .... they are now at a point of harassing me with their mailers. 

address is from : CHASE XXXX XXXX XXXX XXXX, OH XXXX addressed to " Our Neighbor '' privacy statement on thier website does NOT LIST an address to write to be removed from mailing list.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX