davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (VA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management, for committing identity theft. I have never given Midland Credit Management, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Midland Credit Management and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Midland Credit Management any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Midland Credit Management, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 

Your prompt attention and response are both requested and required.
Consumer complaint received 2020-07-14
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. (PA)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ORG GC GP BUYER, LLC (CT)

the lone has been given to G C services who has got over {$17000.00} on what was a {$12000.00} lone and is asking for another {$12000.00} to be paid? I feel this money have been paid off in full. you can get G.C. at XXXX / G, C.   services number # XXXX ... me the client account number XXXX balance {$12000.00}
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, Equifax is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (MO)

I just noticed this amount on XXXX XXXX and on my credit report. I contacted XXXX  and they said it was verified, I do not have good credit and there uis no way and i DID not open this balance and nver would with payday loan and not sure how i could I cant even get a car loan right now. So i need help getting this off my credit report because I am trying to move and get a rental place.
Consumer complaint received 2018-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (TX)

I setup a payment arrangement with XXXX on XX/XX/XXXX to stop the collection letters and the legal action on my toll account. I paid a down payment of XXXX to bring my total to XXXX and have since keep my toll account current. I check my account today online on XX/XX/XXXX and noticed that my balance was XXXX which is wrong and I also noticed that my account had been sent to a collection agency and that it was awaiting legal action which is also wrong consider I have a payment plan and havent missed a payment since my first payment isn't until XX/XX/XXXX. I have attached the payment plan in which I have signed and I have also attached the incorrect amounts in which I am being sent daily.
Consumer complaint received 2023-04-06
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. (PA)

In accordance with the fair credit act the list of accuracy below has violated my federally protected consumers rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / 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 Has violated my rights. 

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 an account without written instructions 15 U.S.C 1681c states no consumer agency reporting may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX, I opened a new checking account at a Huntington Bank branch, with the promotion saying '' {$200.00} bonus ''. After meeting their promotion bonus requirements, I didnot receive the bonus. 

When arguing in a Huntington Bank branch, they said I should have " direct deposit ''. That's terrible, because they didnot tell me about this in detail when opening the account. SO I just made deposit to the account. ( Sorry, I don't understand what's the difference between " deposits '' and " direct deposits '', you should tell me when opening account. ) And now they also have the promotion ( https : //www.huntington.com/XXXX? XXXX & XXXX & XXXX & XXXX : XXXX : XXXX  & XXXX & XXXX & XXXX & XXXX & XXXX XXXX XXXX & XXXX & XXXX ) The above link says : ) : " Make total deposits of at least {$1000.00} within 60 days of account opening. '' I don't know why they changed the promotion policy time by time. My friend have got the {$200.00} bonus. Why not me? 

The bank should treat the consumers equally. Thanks.
Consumer complaint received 2019-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019, and on XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information  shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate account on my credit reports, Kohls Department Store/Capital One Bank, account number XXXX, an account that I has never been authorized to open, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I expect this account will be removed from my credit files immediately.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been going back and forth with XXXX about a fraudulent account opened in my name in XX/XX/2015 which they have insisted is mine however have not provided any evidence supporting their information which I have asked for several times and they are legally required to provide to me by law. I have also provided TRANSUNION with a copy of this information certified mail and more than 30 days have passed without a response. I will be seeking compensation if the matter is not appropriately handled after this complaint has been filed. The debt has not been validated with the appropriate information and under LEGAL JURISDICTION they are violating my rights under the consumer protection act afforded by the FDCPA and can now be subject to a lawsuit with compensation of {$1000.00}. Beyond that I have provided them with both legal and federal documents negating the account is mine, which included an FTC Report which they are once again by law required to honor and a police report. I recently received a response from XXXX XXXX XXXX stating and I " quote '' they have sent this said account off to not XXXX but XXXX to be exact separate third party collection agencies which not only have they not provided me the name 's of but I was never contacted by to resolve since neither companies have my reporting address nor any other accurate information. I am also not understanding how this account was opened when you have to be military affiliated which neither I nor my family are. Once again they are violating yet another credit consumer protection law because per my current credit report it is reporting a past due balance of {$1000.00} in a charge-off status. The balance being reported is inaccurate since the debt has been picked up by several other agencies thus them receiving a tax break on the said owed amount. Per law the " past due '' balance should be showing as {$0.00} and since it is not and is inaccurately reporting per 15 U.S.C Sec 1681 ( a ) I now expect the account to be removed after final investigation. If it is not I will be suing. Please understand I am not providing you an option of removal of this account. It is being demanded and expected within the allotted 30 day time frame. Thank you
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.
Consumer complaint received 2020-07-14
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. (CA)

I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

Someone opened a fraudulent card in my name. I have been trying to resolve this since XXXX. Chase investigated, but told me I was responsible even though I proved I did not live at the address at the time. They refuse to absolve me of responsibility for the fraudulent account.
Consumer complaint received 2023-04-06
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. (OH)

XX/XX/XXXX I sent a letter explaining that Experian is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite METRO2 compliant standards.
Consumer complaint received 2021-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Company name : Portfolio Recovery Associate Date : XX/XX/2019 Amount : {$800.00} Action taken : After checking my credit report, I realize the name on the account is not mine, I sent a copy of my XXXX XXXX XXXX and a copy of my XXXX XXXX to the company asking it to remove the data on my report, but the company insist that the date is justified and maintain the file that continue to hurt me financially ... I have equity in my house, but I can't take advantage of that ... I am asking for help. 

In addition, Portfolio Recovery Associate failed to provide the date the account were opened, and who opened it..I believe it is against the Law to post false infoemation on people credit for personal gain..I am asking for help
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

UNAUTHORIZED CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXXXXXX XXXX XXXXXXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { XXXX XXXX } XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXXXXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX { inquiry date } XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX XXXX  { inquiry date } XX/XX/XXXX, XX/XX/XXXX XXXX. { Creditor Name } XXXX XXXX { inquiry date } XX/XX/XXXX, XX/XX/XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX  in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XX/XX/XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GAMACHE & MYERS, PC (MO)

Gamache and Myers of XXXX XXXX MO garnished my paycheck, the balance of XXXX dollars was paid in full, and over paid by XXXX dollars and they sent a release to my employer to stop the garnishment. However, I have received a notice I owe them XXXX more dollars plus XXXX cents interest due to be paid XX/XX/2022 this was also sent to the court even though they have been over paid. I have contacted them with no response
Consumer complaint received 2021-06-22
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 — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (CA)

A payment was misapplied and then corrected. Once corrected and applied as it was due, New Rez refused to correct the credit report to reflect the payment was not late. After several calls and letters to address this, they are still refusing to correct the issue. After one more final conversation with them today, I feel like this is a predatory practice and the CFPB should be made aware of their practices.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a credit alert regarding my debt. When reviewed, I noticed that a water softener installed in my home is reporting as a revolving charge account. The problem with this is that I made a XXXX-time purchase, signed a contract with fixed monthly payments of {$120.00} per month at XXXX XXXX There was no charge card provided for me to continue using the available credit because it is not a line of credit that is re-accessible and there arent any products or services that I can purchase. There is no website or menu to purchase from. I do not have any other reasons to use this account. Again, this was a XXXX-time purchase, with fixed payments, no card to use because there are no other services or parts that I can order from this company. I called and discussed all of this with the lender and they refused to make any adjustments to how this account is appearing on my credit report. It has affected my score significantly because it looks like I have {$9000.00} more in credit card debt as a result of this water softener purchase. This should be reporting as an installment loan, not as an open revolving charge account.