davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the actions of midland credit management., as they are in violation of my rights under the following laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681 -s 2 ( 7 ) ( a ).

I have recently discovered that there is an item on my credit report that has been reported by your company, Midland credit management. This item is inaccurate and is causing harm to my credit score. The laws and regulations listed above clearly state that inaccurate information must be removed from credit reports in a timely manner.

I am requesting that Midland Credit Management immediately remove this item from my credit report in accordance with the laws and regulations that protect my rights as a consumer. Failure to do so may result in legal action being taken against your company.

I am attaching copies of the relevant laws and regulations for your reference. Please respond to this dispute in writing within 30 days to confirm that the inaccurate item has been removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the item has been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEMEN COLLECTION/CHARGEOFF {$2400.00} Payment Status Collection/Chargeoff Account Status Derogatory Date Reported XX/XX/ MIDLAND CREDIT MANAGEMEN COLLECTION/CHARGEOFF {$3600.00} Date Reported XXXX XXXX XXXX  Account Status Derogatory
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (FL)

I dont have any knowledge of this account ( Ginnys ) one of their many affiliated companies and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX. Based on my research on this matter, It seems like this company has a reputation of opening fraudulent credit line without peoples authorization.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that Equifax and XXXX would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.
Consumer complaint received 2022-11-20
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: World Acceptance Corporation (IL)

In accordance with the fair credit reporting act the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, World Finance has violated my rights. 

15 U.S.C.1681 Sect 602 A States I have the right to privacy.

15 U.S.C. 1681 Sect 604 A section 2 States it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (CA)

On XX/XX/XXXX, I sent copies of a paid collection agreement and proof of payment of {$300.00} taken out of my account on XX/XX/XXXX to all XXXX credit bureaus Transunion, XXXX and XXXX and asked them to please remove collection status to show paid. I disputed 1st with all 3 bureaus to be told that it was investigated and the account was valid, then i sent proof showing that it was in fact paid and they still said the collection was valid. I am trying to purchase a home and this is still showing derogatory. Could you please help me?
Consumer complaint received 2024-03-21
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. (AZ)

I am a victim of Identity Theft and I reported the XXXX  XXXX credit card ( both # XXXX & # XXXX ) to the FTC as FRAUD and Identity Theft. 
I am a victim of the XXXX XXXX XXXX, see attached. 
XXXX Police Report attached. 
XXXX  XXXX is to BLOCK or delete both cards from my credit reports and continues the non-compliance with all laws and has destroyed my credit to the XXXX XXXX. 
XXXX XXXX posted nearly XXXX false billing line entries on both cards, stole {$100.00} payments, and added false debits and credits, moved my {$100.00} payments back and forth on both credit cards # XXXX & # XXXX, never posted all cash back rewards and interest credits and fees credits, never posting all credits prior to XX/XX/2023 closure of both # XXXX & # XXXX credit cards is FRAUD.
Consumer complaint received 2020-05-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (GA)

So Ingo Money initially through XXXX XXXX XXXX XXXX was a great banking alternative for me. I work full time, and am unable to get to a bank due to my hours. However, they closed my account with no explanation and the only banking I did was with my payroll check as well as money orders. So there was no " iffy '' transactions being made. I am sitting here at work on a Saturday still trying to figure out what happened. They made $ money off my deposits etc. tried to cash two checks. Both were properly endorsed and made out to me, both were returned for nondescript reasons. They were tax return checks so I highly doubt there was insufficient funds. The first time it waited about an hour then returned it as declined. The second time it said my transaction was processed but the next day said it was rejected. Again, these are tax refunds so they didnt bounce. 


App doesnt do at all what it claims and the errors it kicks back are useless making it all the more frustrating. I realize they wont tell you about the writers bank because they claim they cant. Even though thats not true because if I took the check to the bank they would say the funds werent there to my face. 


I expect an actual reason why my checks were rejected but no just got a vague heres a list of possible reasons none of which apply to YOUR checks ... .infuriating. 


Lastly, there is no resubmission of a check. Once they reject it they basically tell you to go somewhere else not how to fix it so they will cash it. Again, useless.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I Properly disputed the accuracy of information being reported on my consumer report by this company. This company is still reporting my name wrong, along with false addresses, and employment history that I do not work for. This company is also falsely reporting the payment history of several accounts. I asked to see method of verification along with payment history from creditor along with statements indicating the accuracy of payment history. I told this company that I do not recognize the E-Oscar system as suffice method of verification. They have failed to properly show me proof of a thorough investigation, which is now causing my consumer report to suffer. I resent letter for a request of fee for damages and negligence on their part. This complaint is for mine as well as their records. If this matter is not corrected I do intend to use the law to the fullest extent to make sure this doesn't continue happening to me or any other consumer of the United States Of America.
Consumer complaint received 2024-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc (AL)

I had two fraudulent credit card accounts opened at an XXXXXXXX XXXX XXXX XXXX on the same day. I called XXXX and was directed to XXXX XXXX XXXX since they do the credit cards. I spoke to an fraud specialist there and was informed two accounts had been opened the same day. one account was closed due to fraud but the second wasnt and the bill was turned over to a third party called XXXX XXXX XXXXXXXX who gave the account to XXXX XXXX XXXX Comenity fraud dept representative told me that they were attempting to buy back the account due to fraud investigation and that the other account was closed as a result of fraud. I was told to contact XXXX XXXX XXXX but they would send me information on XXXX Capitals side in XXXX days which I never got. I called XXXX XXXX XXXX who transferred me to XXXX stating they dont manage the account but that XXXX does. I reported the fraud account being opened and disputed the account to both XXXX XXXX and XXXX. I also reported to them that there was another account from XXXX that had been opened on the same day as the debt account they had, that was marked as a result of fraud and closed. I was told my account would be deleted in XXXX days. 2 days later I got an email from XXXX stating that they verified the debt and provided bills from the account and denied it being Fraudulent and wouldnt remove it and asked for me to setup a payment plan. I provided them with my FTC identity theft report and the discussion I had with the fraud department at Comenity and nothing. The debt is still showing on my credit report and I have gotten zero documents from XXXX, XXXX XXXX XXXX or XXXX not has the account fraud been verified with all XXXX credit bureaus. Now my information has also been part of a data leak and my information is on the dark web and no one wants to help. I have had attempts at my email, fraudulent charges on my debit card which I had to close and false inquiries and information on my credit report. Please help
Consumer complaint received 2020-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (OR)

I had an account with XXXX XXXX prior to its acquisition by XXXX XXXX. The account was cancelled on XX/XX/XXXX. I then called and confirmed the account was cancelled and paid all amounts due the same day. 2 months later ( XX/XX/XXXX ) I got a bill from XXXX XXXX for {$120.00}. I called XXXX   on XX/XX/XXXX to ensure it was resolved with them and get confirmation and they directed me to XXXX XXXX. I then emailed XXXX XXXX on XX/XX/XXXX to resolve and was directed to call their customer service team. I did so and was assured that the billing was erroneous and that I did not need to take further action. On XX/XX/XXXX I got a letter from Credit Control Corporation in regard to a bill for the same {$120.00}. I again called XXXX XXXX to resolve. I spoke with a representative from the company and was told that they confirmed I did not need to pay it and a note was added to my account stating the same. I requested email confirmation of the discharge of the debt and was told it was sent. I never received the confirmation. I have also emailed XXXX XXXX and Credit Control Corporation to validate the debt has been discharged and can not get confirmation in written form.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (MN)

My XXXX XXXXXXXX  was changed to a general purpose card. When that happened they offered a {$50.00} credit if the card was used to pay for {$400.00} outside of XXXX XXXX XXXX The time period was for XXXX XXXX XXXX. I did that, but did not receive the credit. When I asked about it, I was told I signed up too late. Yet, they allowed me to sign up and told me that I was enrolled. 

Here is the message exchange to try to correct this : From : XXXX XXXX. 
Sent : XX/XX/XXXX XXXX XXXX Ref No : XXXX Subject : No credit received XXXX XXXX XXXX  Dear XXXX, Thank you for your response. 

We regret that our services do not meet your expectations. We strive to achieve an excellent standard of service and will use your feedback to appropriately address the service you received. 
In order to receive this particular offer, the opt in request needed to be submitted by XX/XX/XXXX. Our records indicate your request to opt in was received on XX/XX/XXXX. Unfortunately, since the opt in was received after the offer close date, your account will not be receiving the {$50.00} statement credit. We regret any inconvenience you may have experienced during this time. 

If you need further assistance, please contact us at XXXX, or send a secure message through the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX. 
Customer Care Senior Specialist Hide Older Messages XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX If I did not respond in time, then WHY was I told that I had been activated? This is the message I received at the time : Thank you for activating your statement credit offer.To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period.From XX/XX/XXXX XXXX XXXX  XXXX XXXX. 
Dear XXXX, Thank you for your patience. Our records show you did not meet the requirement for the {$50.00} statement credit since you were not opted in on or before XX/XX/XXXX. We regret any inconvenience this may cause.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dear XXXX, Thank you for contacting XXXX.Your email has been forwarded to the appropriate department. We are currently researching this and will follow-up within 2-3 business days.If you need further assistance, please contact us at XXXX, or send a secure message through the Online Message Center.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I signed up for statement credit offer in XXXX : Thank you for activating your statement credit offer. 
To earn this statement credit, spend {$400.00} outside of XXXX and XXXX stations using your XXXX XXXX XXXX during your offer period. 

From  XXXXXXX XXXX  Offer period is XXXX XXXX- XX/XX/XXXX I met the requirements yet have not received my my statement credit. Where is it?
Consumer complaint received 2021-06-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

Us Bank reported on my credit report late on XX/XX/XXXX and on XX/XX/XXXX. 
i contacted USBank on XX/XX/XXXX to check those marks, and the representative : XXXX, confirmed to me that she dose see a payment on XXXX of XXXX and on XXXX of XXXX.
Consumer complaint received 2020-05-24
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: Experian Information Solutions Inc. (CA)

its been 60 days, no response and all 3 bureaus disregarding the law by not responding to consumer disputes & hopefully this will be the last time they do that.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 at XXXX XXXX I went to Wells Fargo ATM XXXX branch to withdraw {$300.00}. The ATM gave an error sign. I DID NOT RECEIVE ANY MONEY. I took my card out and wanted to make sure there was enough funds in my account before I tried withdrawing money again. MY ACCOUNT SHOWED THAT EVEN THOUGH I HAD NOT RECEIVED ANY MONEY THE {$300.00} HAD BEEN DEBITED OUT. I called customer service on the back of my debit card and filed a claim. They provisionally credited me the {$300.00} pending the investigation. I received a letter on XX/XX/XXXX dated XX/XX/2021, that their investigation was complete and there was no money over at the ATM, no error sign and they were taking the {$300.00} back on XX/XX/XXXX. I went to the Bank on XX/XX/XXXX and spoke with the branch manager XXXX XXXX who couldn't have been kinder. 
He spent an hour on the phone with the ATM investigation unit and they said that I received the money 7 seconds after putting my card in. WHY WOULD I FILE A CLAIM IF I ALREADY GOT MY MONEY. I insisted I see the video footage and they said unless there is fraud they won't look at the video surveillance. The bank manager filed a claim for me and they had ten days to respond. I called today and ( XX/XX/XXXX ) and they said a letter was sent to my home on XX/XX/XXXX ( which I haven't gotten ) that their investigation is complete and they agree with the ATM people. SO I LOST {$300.00} OF MY HARD EARNED AND THEY COULDN'T CARE LESS!!!!!!!!!!