davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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: Mr. Cooper Group Inc. (MD)

Hello, My complaint is with Mr. Cooper. I owned a property in XXXX XXXX, in which I was approved by Mr. Cooper for a forbearance plan from XX/XX/XXXX to XX/XX/XXXX. I was sent approval documentation stating that I was approved for this forbearance plan ( attached ) and that I did NOT have to pay a mortgage from XX/XX/XXXX - XX/XX/XXXX and I would NOT be marked as delinquent during that time period. Mr. Cooper marked me as " 30 days late '' for not receiving a XX/XX/XXXX payment which dropped my credit score by 100 points! On my credit report Mr. Cooper marked me as " late '' on XX/XX/XXXX which was in the middle of the approved forbearance. I disputed this on XX/XX/XXXX and was told by multiple Mr Cooper representatives I shouldn't of been marked late as they see I was approved for the forbearance plan. It has taken 40+ days to hear back ( they told me it shouldn't take more than 30, but usually resolved in less than 10 days ) and Mr. Cooper sent me a letter stating "  We didn't mark you as late so we will not be contacting the credit bureaus '', however I have a copy of my credit report showing they DID mark me late and it dropped my score 100 points which is horrible!

I'm in the process of refinancing my home but I'm unable to get approved now due to the Mr Cooper inaccuracy and my score dropping 100 points. With rates being at all time lows I don't have the luxury to wait for Mr Cooper as this could make a major impact on my ability to save hundreds of dollars a month over the duration of my loan. Mr. Cooper has been extremely unresponsive and unhelpful throughout this  entire process. 

I have copied my forbearance approval, my credit report showing the inaccurate late payment and Mr Coopers response of not taking accountability for the inaccuracy they levied against me with an incorrect late payment reporting. I'd appreciate your help in this matter, thank you! 

XXXX
Consumer complaint received 2020-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (MD)

Since approximately XX/XX/2020 I have been receiving harassing telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller ID to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from an entity by the name of Enhanced Recovery Company , LLC ( ERC ) in XXXX, Florida. According to their website they are " an international business process XXXX and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. '' They further indicate working on behalf of a number of different creditors such as telecommunications, utilities, banks, cable companies, financial service providers, student loans, etc. In addition, they maintain being contracted by creditors and in some instances debt purchasers. Based on the circumstances of the telephone calls and lack of receiving a written validation notice I believe ERC to be a fraudulent debt collector. To date I have kept a log of over 50 spoofed  telephone numbers from ERC spanning back to XX/XX/2020. All calls have used the area codes XXXX and XXXX and have come primarily from the following telephone numbers : 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 XXXX XXXX XXXX, I have reason to believe they have spoofed other numbers from within the state of Maryland and contact may date back further. I have not received a written validation letter from Enhanced Recovery Company LLC regarding any alleged debt owed.
Consumer complaint received 2021-08-11
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. (NC)

I have attached a copy of my ID to prove my identity so my case will not be close automatically. 

I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. 

I provided a copy of the class-action lawsuit to Experian, XXXX  and XXXX  they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (IA)

Without any notice I had an entry on my credit report from MIDWEST RECOVERY SYSTEMS, LLC. I called them to ask about it and explained that I have never received a statement in the mail either from the original client ( XXXX  Hospital ) or MIDWEST RECOVERY SYSTEMS. The person I spoke to was very rude and continued to speak over me to the point I got frustrated and had to continue to raise my voice just to be heard. This is apparently a collector for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both of which have very incompetent. 
-- - She just continued to tell me the bill is 3 years past due even after explaining to her that I never knew I owed anything. This is ridiculous circular logic that gets nowhere. 
-- - She indicated they called many times but never received an answer so filed on my credit report. I once again argued that I never received anything in the mail regarding this. I explained that in America citizens are neither required to have a phone nor answer all of the spam, scams, and junk calls they get. MY phone is for my use calling people and receiving calls from existing business contacts not random people 20 times a day. I further explained that the USPS is protected and is the form of contact that MUST be used for financial/billing issues but she continued to ignore my very valid arguments and ask how I would be paying the debt. 
-- - It is not fair to expect people to answer their phones. This company needs shutdown or update their practices to prevent this type of bullying. I NEVER had a chance to correct the issue before having my credit impacted. This issue has cause a LOT of stress and frustration and even lost sleep all because they can not mail a letter. Because of their ridiculous tactics I have now spent well over two hours on the phone, on the web, pulling my credit report just so I knew who to call, etc, when this VERY easily could have been resolved in about two minutes by a letter in the mail with a payment web address.

People should not have to go through this process ( Approaching two hours I had to take off work to address this ) without even being notified of debt all because the provider billing is incompetent. I ALWAYS pay my bills on time.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am submitting this complaint for the company Kohls / Capone to validate the alleged debt within 30-days of receiving this complaint. I recently tried to send out the validation request and a copy of my dispute which was returned to me as the address listed on my XXXX credit report of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, does not exist and the latter was returned to me around XXXX. I have attached the disputes I tried submitting to the company. I also disputed with XXXX. The alleged debt can not be validated by law and under Michigan law the company is required to validate the alleged debt with a signed contract, not just statements. I do not recall this alleged account and therefore the company has no contract therefore the company must remove the alleged debt.
Consumer complaint received 2019-05-30
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. (AR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-27
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. (SC)

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  IXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (NC)

My name is XXXX XXXX. A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS from my credit report immediately. Besides these items, also delete the incorrect addresses that I did not live in and I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.
Consumer complaint received 2021-04-26
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 (MD)

On XX/XX/XXXX of this year I was online shopping. I came upon a website offering what I had googled. The item I was looking for was a cuckoo clock. I wanted it. I saw the XXXX link and felt a sense of security. I concluded the transaction through XXXX in the amount of {$99.00}. When my XXXX receipt came in an email I saw the recipients name and was immediately concerned. I didnt believe that a XXXX XXXX  clock was coming from what appeared to be an XXXX entity. I let a few days go by and contacted the website via drop down box inquiring as to my order. Usually an email will come to me in a day or two as to the shipping situation/status. But nothing had been received. When the website didnt answer my query in timely manner, I contacted XXXX alerting them to a potential problem. It reached the were reviewing your case at XXXX where this status remained for several days. When I tried to chat with someone at XXXX I couldnt get anything beyond AI. I left a terse message in the chat box asking for compliance and received no answer. It was then I moved on to the actual source of the funds paid out - Capital One. Ultimately, Capital One has decided to abandon me as well even though the multiple documents I sent them through their secure link clearly show fraud. These documents will be uploaded for your review. There are more documents and theyve been submitted to Capital One but Ive included what I feel are the most important. Ive answered everything that Capital One has asked of me. Ive even included a sworn statement. 

It all comes down the unique tracking number. It can not be both a pair of socks valued at {$10.00} and a cuckoo clock valued at {$99.00} And when I tried to impress this upon Capital One - that you couldnt get a cuckoo clock into the small padded envelope, it fell on deaf ears. And when I asked what my ( now XXXX opponent had offered as evidence or sworn testimony, I received the shipping log of the unique alphanumeric tracking number only.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit Consumer Group (TX)

Was contact by an outfit called Summit Consumer Group about an XXXX credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from XXXX with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX. This Summit Consumer outfit is very sleazy and unprofessional They catch people off guard and out of the blue.
Consumer complaint received 2017-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I. Have never lived in XXXX Idaho, never bought a house in XXXX Idaho. This address is n't mine and it has taken my XXXX XXXX down XXXX points!! Please delete the incorrect information off my credit reports and restore my XXXX XXXX back to XXXX.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs Marcus froze my savings account and blocks any transfers from my account to my already-linked years-old externally-linked bank accounts. They say they couldn't verify my phone number which I used to call them - exactly the same phone number I have on file. They also promised to sent me a physical Affidavit of Identity which could be used to prove my identity, but that never arrived despite many days of waiting.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (OH)

Ally bank took XXXX inflated payments out of my bank account in XXXX XXXX after telling me that a re-payment plan I was on had been cancelled. They continued collection activity during this time and ignored multiple requests I made to stop the automatic payments and to help me repair the condition of my account. In XX/XX/XXXX, a collections supervisor realized what had happened and promised to give me an extension. A few weeks passed and Instead of an extension, the automatic payments were finally cancelled and the car was repossessed. Further attempts to correct this with Ally have been unsuccessful thus far.