davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

I sent a request for validation that MCM signed for on XXXX XXXX 2015. The USPS tracking number to prove this is XXXX XXXX XXXX XXXX XXXX. They never validated the debt within the time frame legally allowed.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC. (MI)

I went into the store to ask for a payment plan and XXXX said that If I entered into XXXX or more payment plans that she would not re-loan to me again. So I was forced to find another place to do business. She is very rude and made me feel like I was a piece of XXXX.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 

OPEN ACCOUNTS : XXXX XXXX XXXXXXXX XXXX - {$1000.00} open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. - {$1000.00} open XX/XX/XXXX XXXX XXXX open revolving {$590.00} XXXX XXXX open. {$740.00} credit card XX/XX/XXXXXXXX XXXX XXXX  & line of credit {$320.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  open Mortgage {$89000.00} XX/XX/XXXXXXXX XXXX XXXX  CLOSED ACCOUNTS : XXXX XXXX XXXX closed accounts XX/XX/XXXX secured Card XX/XX/XXXXXXXX XXXX XXXX for {$320.00} XX/XX/XXXX for {$740.00} XX/XX/XXXX installment account XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX closed {$230.00} XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX revolving {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX revolving {$0.00}
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Dear CFPB, I desperately need your help in this matter with Equifax. Please help me, I would like to put another complaint on Equifax, I have been disputing items on my credit report since XX/XX/2019. FIRST, I would like to say each time I open a dispute my credit takes a 70 point decrease just from opening a dispute almost as to discourage me and being punish for opening a dispute. Second, Im really getting sick of the stall static that this company continues, I have received a letter that says that Equifax was not able to find me in your database, and that I need to send a valid social security card and a statement with proof of address. 

I have made copies of my previous letter and my last letter send out on XX/XX/2019 I also have attach the documents I have sent to prove my identity from my previous letter # 3 and letter # 4 each time. I have sent a COPY of my S.S card, COPY of my driver license, COPY of my check stub and even a COPY of my XXXX  XXXX bill and XXXX online statement. Only to receive a letter from your company suggesting I did NOT send the correct forms to prove my identity. When that is just a plain lie, my complaints have remained OPEN with absolutely NO response from your company. 

Complaints submitted on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS SINCE XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS IN PROGRESS AS OF XX/XX/2019 on XX/XX/2019 OPEN COMPANY RESPONSE IS N PROGRESS AS OF XX/XX/2019 it is now XX/XX/2019 and NOTHING has been done. 

Equifax has been unable to solve and answered complaints but you they have time to send a stall tactic letter? 

Enclose : are my original scan paper work that I already and always have sent to Equifax, please see for yourself.
Consumer complaint received 2016-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (FL)

I used XXXX as my cell provider for about one year, then I decided to change the provider. I called them to disconnect the 4 lines that I had with them, and went to XXXX and open new service, by the way XXXX is company associate of XXXX, Two months later XXXX is still billing me for their operator who did not put my request on the system. A cellular phone could only be active in only when provider. They want to charge me for service they know they did not provided. 
I do not know this amount. 

Thank you
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Portfolio Recovery left Voicemails on family members cellphone for me voicemail clearly states that the phone they left message on doesnt belong to me and belongs to my sister as her name is on voicemail. I work in collections where I work we are not allowed to leave voicemails for borrowers if their full names are not on the voicemail because we do not know who has access to the phone. When we leave voicemails we also only leave general messages requesting a call back.
Consumer complaint received 2016-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CT)

I am a XXXX woman, XXXX years old and XXXX. I have been trying to get my home modified since XX/XX/XXXX. I had zero luck and it was very hard for me to get around my house to fax all the documents they had always requested over and over. I am in a wheelchair and live alone ; I have to wait for my son or daughter to come home from work and help me, if they were not too tired. I did everything my lender they had asked me. On XXXX/XXXX/XXXX, my lender, Selene Finance, denied my loan modification request stating that I had " insufficient income to support a modified payment ''. They calculated my income much too low and wrong, about {$1700.00} too low! They did n't give me time to appeal this - they instead sold my house at foreclosure auction on XX/XX/XXXX. I had no time to tell anyone what they calculated was completely wrong. This is a violation of the rules, how can they calculate whatever they want, deny it and then sell a house without me having time to correct them to get on the same page! I could not believe it ; this was another punch in the face. I am formally requesting a rescission of the foreclosure and a FAIR review of my case, they did not give me 30 days after they made the determination of my income for an appeal. They denied me and sold my house 6 days later ( 2 of those days being a weekend ). I will also be escalating this to the FHFA and to the CT attorney general. Also have tried calling numerous times to Selene Finance 's foreclosure attorney XXXX XXXX, a ruthless law firm who is know to be very agressive and ignore homeowners and their advocates. They also did not answer my counselor 's calls after my house was sold. This house is all I have and they calculated my income however they wanted to be able to deny my application and sell my house days later. No appeal time, no call back, foreclosure attorney ignores me completely. They sent a contracted realtor snooping around my house every few months ( XXXX XXXX ), whom would scare my tenants and berate me telling me I am going to lose the house anyway ( I will deal with that as a separate issue ). She also told my tenants to hand over their security deposits directly to her because I was in foreclosure. Again, a separate matter but she stated she was contracted by my lender. Somebody needs to make this right before time runs out and I am going to the government with this matter. I am tired of being ignored because I am elderly and in a wheelchair. I have been taken advantage of for too long. This is all a severe injustice and must be remedied. You have my full permission to speak with the counselors at XXXX XXXX. To Selene Finance : DO NOT close my case stating that you do not have authorization, because I am attaching it again and they have already been working on this case for 1 year so there is no excuses.
Consumer complaint received 2016-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (AL)

I do n't know why this is on my credit, I have spoke with these people several time. Told them this is not my bill. If this is my bill I need tbe bill with my name on it. XXXX was my treatment, and my signature.
Consumer complaint received 2016-08-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

This now my 3rd complaint and the XXXX previous times OCWEN has told me they have addressed the issue when it has not been addressed. I have received partial answers and submitted my responses view this portal yet my complaint gets closed out with no resolve. My biggest issue is proving my actual debt yet every history I receive somehow does not include critical transaction like my misapplied payments and when they have been reapplied. I would like to have that addressed. I have also asked about the negative reporting against my mortgage. My issue is that negative reporting continues even while the debt is in dispute despite the fact that negative reporting is to cease when the debt is in dispute. I am a service member and was moved out of the home when I received orders but was trapped do to my developer going under. The reporting and the lack of transparent, clear answers is having a financial impact on me and now runs a risk of impacting my job through my clearance. I am being damaged because I am dismissed and have been dismissed while fighting this issue for years now. While things have improved as OCWEN has begun to come into compliance with the National Mortgage Settlement it still fall short. I am also still receiving collection calls while the debt is in dispute which is not supposed to happen and it has taken 3 months and several phone calls just to get an ESCROW analysis when I have n't received on in years. I appreciate what has been done thus far such as finally providing a case manager while falling short of the legal requirement for years but things are still not being met.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I have disputed to Equifax Dispute # XXXX with a letter from XXXX Bank saying to remove the XXXX hard pull credit inquiries on my credit report. 
Equifax responded and said it was factual after I have sent copy to them of a letter from XXXX bank saying that it will be removed from my credit reports.
Consumer complaint received 2016-06-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY ()

HI i have tried yet again to dispute what wells fargo bank and cfpb system doesnt allow me to progress, cfpb why have you not atempted to prosecute wells fargo for fraud and hold those responsable for there actions and theft of my home, acount in credit and no missed paymants yet you have never asked for proof of paymant? you have deliberatly treated me and my family un equal to american person why are you pretecting this fradulent and deciptfull bank why numerouse supreme court orders yet no compesation why
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

I have asked Ocwen for loan payoff release documents i.e. XXXX and they say that because there was no XXXX continuation they did n't have to file a XXXX. 
However, how does my loan receives a lien clearance without this document?
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

I made a {$200.00} payment on XX/XX/XXXX and requested to be allocated towards a promotional balance of {$200.00} which expire on XX/XX/XXXX and taking money from XXXX promotional purchase and transform it towards another one, which makes it more than the original purchase was. I made a promotional purchase from XXXX on XX/XX/XXXX for the amount of {$240.00} and posted to my account on XX/XX/XXXX. I returned an item and received a credit the of {$190.00}. The credit didn't apply to my original purchase, Instead, it was applied to a promotional purchase that's expired next year on XX/XX/XXXX and money has been taken from XXXX original purchase in applying it to another without my approval.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2022-08-14
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: Southwest Recovery Services, Inc. (TX)

XXXX XXXX XXXX sent a delinquent account that belongs to someone else to Southwest Recovery Service, a collection company, Southwest then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and XXXX did report the negative credit under my name. I contacted Southwest who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and XXXX. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

A third party collection agency, National Credit Adjust ( NCA ), has illegally reaged an account on my credit report with all three bureaus. I sent a dispute letter to the bureaus and to the collection agency stating that NCA reaged my account to make it appear that I opened the account on XX/XX/XXXX. The original date on the account was XX/XX/XXXX. Please help! Thank you in advance.
Consumer complaint received 2016-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

I called Midland Funding to try and settle a debt on my credit report but when I called, they said XXXX XXXX XXXX owned it. When I called XXXX & XXXX, they said Midland Funding owned it. 

The Docket Number is XXXX Midland Funding Account Number is XXXX
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I was traveling in XXXX & only became aware of this card on XX/XX/XXXX when I first created my account. 

At first I thought it was a scam but then I found that it was a payroll card. In order to see the contents, I had to create an account & agree to terms that were never sent to me. 

I found that there was an initial deposit of {$120.00}. 

Prior to registering my account and agreeing to terms, theyve started to deduct {$5.00} per month from my account for inactivity. 

They made no attempt to notify me & made no attempt to secure my permission before deducting the {$5.00} per month from my account starting XX/XX/XXXX. 

I contacted Skylight/Netspend customer service on XX/XX/XXXX about refunding the fees they deducted without my permission & they agreed to only refund 3 out 9 deductions.

I need your help to secure a refund on the remaining 6 deductions, a total of {$30.00}.

Thank you.
Consumer complaint received 2024-01-18
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: Experian Information Solutions Inc. (FL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am XXXX XXXX permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES INCLUDED IN DISPUTE NOT TIED UP TO POSITIVE ACCOUNTS XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.