davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (CA)

I am submitting this complaint against Experian due to their inability to correct an error in their system. Recently, I requested an Auto loan from XXXX XXXX XXXX, which I was denied from because Experian is reporting to them two different credit lines, with two different names however with the same social security number which is my number. 
I have contacted Social Security multiple times to make sure my social security was only assigned to me and to make sure they do not have another person utilizing my number in their system. Social security has confirmed that they only have my number for myself only. 
I have also requested my credit reports from Experian, XXXX, and XXXX. All three reports are the same and there are no accounts that I have not opened. All three reports appear to be only my information and with accurate credit history. 
I have been calling Experian several times since XX/XX/2020 to fix this issue that they are reporting to XXXX XXXX  XXXX. Three times Experian stated they would fix the problem within 3 to 5 business days however every time I called back the problem was still present. Additionally, twice on separate occasions I was told by Experian that they would submit a form to fix the problem and I would need to provide them with supportive documentation including a copy of my ID and a copy of my Social Security card. The documentation that they asked for was mailed to Experian and they confirmed they received it and it is in my file. Now Experian has confirmed that they do in fact have another credit file under the same social security number and that they do not have a way to fix that even with supportive documentation. I have asked many times to speak to a supervisor or someone that can help me fix this and they tell me they do not have a way to fix this problem. They suggested I attempt getting a loan through a different company as they can not fix this. 
Ultimately, consequently I attempted to open a new credit card account and was also denied. This issue is affecting me in many ways as I can not obtain new credit lines or loans while all together affecting me from being able to purchase a vehicle. Attached is a copy of my ID, passport, Social Security card, and proof of residency document for supportive documentation to prove I am who I say I am.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (VA)

after refinance with United Wholesale Mortgage, i made my first payment on XXXX XXXX for first payment XX/XX/2020, as indicated on legal settlement documents. up to now i made XXXX and XXXX payment on time. But since beginning of the first payment, UWM website indicated i need to make first payment starts on XXXX XXXX over last three months i have been trying to resolve a issue with UWM to correct the issue in their update system. only respond from UWM customer service that they do wear the issue and they will make correction. but due to UWM 's negligent conduct, my credit scores are  down to low XXXX from XXXX because UWM reported a delinquent payment to credit reporting agency for not received a payment even after payment was made on time. Due to UWM negligent i am still hold to purchase an automobile and among other things.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX Consumer Financial Protection Bureau Dear Sir/Madam, I am writing to report a violation committed by Midland Credit Management , a collection agency, regarding the handling of an account placed on my consumer report.

Midland Credit Management has failed to provide validation information for the collection account in question, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights.

Additionally, Midland Credit Management has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law. This action violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Midland Credit Management for these violations. Your intervention is necessary to protect consumers like myself from unfair and deceptive practices by collection agencies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (MO)

I received an alert on my credit monitoring company page that a new derogatory account was posted to my credit report by Uplift XX/XX/XXXX. It states that in XX/XX/XXXX I stopped paying. I reached out to Uplift because I was on an Uplift payment plan with them and already had verified I was current on the payment plan. The customer service rep says that it was out of her hands the misinformation because the account was now owned by XXXX and I had to contact them. I contacted XXXX who told me they cant do anything about what Uplift reported because they dont own Uplift, they just buy their accounts. I then called Uplift back and that rep told me to submit a dispute. My uplift account is from XXXX not XXXX. I have paid the account in full as per the agreement I had with XXXX. I have attached the payment plan as well as my successful payoff letter. This inaccuracy wrecked my credit by XXXX points. I have worked very hard over the last 2 years to pay everything on time and in full, only to have a lie posted to my transunion report and kill my credit. I have disputed this twice and uplift makes no adjustments at all.
Consumer complaint received 2022-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation (MD)

I was asked to leave campus because of a XXXX  outbreak in my XXXX. During the height of the outbreak when laws were made surrounding how many XXXX  to a XXXX. Lincoln Tech went against the laws and packed the XXXX  to capacity. My XXXX  received a XXXX XXXX  result and the school advised everyone in the XXXX  go home. The course is hands on so we were unable to take online classes. As a result I was advised to start the course over. The school placed the room and board portion of my XXXX  loan on my credit as a charge off without any notice. I was not offered a deferment or forbearance. I will reached out for help from the XXXX  XXXX XXXX XXXX and was advised they could not help as the school claims that the loan is from a third party but placed it on my credit as Lincoln tech. The school stated in the attached letter that I can return when I clear up my debt with the school and on the same document they say the debt is with a third party and not the school.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

I've contacted Chase directly as well as the credit bureau, my account is filed as closed through Chase yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to chase it shows those months as paid. 

I've called Chase and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

I recently experiencd fraud on my Citi master card and l called and explained my concerns pertaining to the fact that I'm uncertain who committed the fraud. Especially because the transaction occurred a few months ago but l was unaware of it until l received an email indicating l reserved a trip with XXXX XXXX but l didn't. 

I have called Citi card serveral times to get an up date due to my fraud issue and have been given the run around. Then l spoke to a representative today XX/XX/2018 whom l corrected twice when she called me a " MAN '' and l told her I'm a " WOMAN '' lm NOT A " MAN. '' This representative turns around again and called me a man and connected the call by telling the other specialist that lm a man and she proceeds to reference to me as a man as well, which l had to correct her and let her know that I'm a woman. 

I feel that gender discrimination has transpired against me with them continuously calling me a man when l corrected them various times that I'm a woman. UDAAP issues at this point. I need assistance from your company to investigate Citi for blatant discrimination.
Consumer complaint received 2015-06-25
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (FL)

Today, Wednesday XXXX XXXX, XXXX XXXX of General Revenue harassed XXXX different family members, my former employer and my spouse 's ex husband. He called telling them " I owed them money and that he had to have my contact info immediately '' after which they all told him the would n't give out my number he said to XXXX of them that " I was in major trouble and that they would be helping him bring me to justice. '' He not only gave them information stating I owed them money but he also told inserted that I was in legal trouble. That is slander. I ask that you have them cease contact with anyone other than me immediately as my attorney is now looking to sue them for corrupt business acts.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been trying and have been unsuccessful to correct items on my capital one account ending in XXXX. They are stating I was late on this account on several occasions, which is not true. They show a late payment XX/XX/XXXX and for XXXX and XXXX of XXXX. This information is incorrect and has never been late, but yet they still show on my report as late. I was told by the Capital One customer representative at the time that there was an issue with the system and that may have caused these to show late during the XX/XX/XXXX year. I didn't think these items would show on my account. I don't believe I should be punished for the mistake of capital one. These mistakes have caused me issues when attempting to purchase a house and it's taking a financial toll on my life as well as my family 's life. Please correct these late payments to show in good standing and show I paid on time. Thank you XXXX XXXX
Consumer complaint received 2019-11-04
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. (FL)

I recently just have reviewed my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2019-11-04
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. (FL)

I recently just have reviewed my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2021-07-19
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. (CA)

Upon research of the Fair Credit Reporting Act removing and replacing an item on a persons credit report is Illegal and this company XXXX XXXX had removed this account from my credit report on XX/XX/2021 and then placed it back on my credit report XX/XX/2021. XXXX XXXX needs to be removed from my credit report permanently. This account is not mine
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MN)

The wells fargo Bank on XX/XX/XXXX got my proof of insurance and they responded to CFPB that they didnt have my proof of insurance. Thats incorrect. I Had XXXX  XXXX XXXX or XXXX as this is from XX/XX/XXXX. My truck which this loan was from was repoed and the insurance information was in the glove box of the truck. I need to know why they have told you they dont have the information when there telling me they do.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA,  whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX made an erroneous filing of a " severely past due account '', which was submitted in error, based on a fraudulent theft of " courtesy checks '' from my mailbox that in a case they had investigated and closed ( see cfpb complaint XXXX. 

Without contact or notice Wells Fargo summarily blocked and closed this account, causing embarrassment and hardship on the card holder.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019, I went to a Chase bank branch in Downtown XXXX to cash a check. The amount of the check was too large to cash so I opened an account with the bank so that the check can be deposited and withdrawn. A few days later, I was unable to access my online banking account because it was locked due to suspicious activity. I called the number provided by my Chase banking app and there I was informed that my account will be closed and that Chase can no longer service me. When I asked why, they were unable to tell me and told me to wait 10 business days to receive my funds in the mail. Today is XX/XX/XXXX and I still haven't received my funds and to make matters worse, the representatives are telling me they will not release my funds to me until they can verify my check. I've called payroll and they informed that my check was cashed, so the bank cashed my check and will not release my funds and because they already cashed my check, I am unable to have the check cancelled so that I can receive a new one and get my funds else where. I provided the number for payroll to the representatives at Chase customer service, but they refuse to verify with payroll since it's not a number they were able to find theirselves.
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WI)

There is a debt reporting on my account from national credit systems in the amount of {$4000.00} which is not a valid debt. Its a lease agreement signed with an electronic signature, no documentation related to the lease belongs to me clear indication of fraud
Consumer complaint received 2020-10-22
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. (PA)

On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020
Consumer complaint received 2020-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC (MD)

I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however they purposely seem to be making that proposition difficult.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (GA)

I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible!
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}