davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (FL)

so 2 months ago today i called the creditor of this credit line and asked why when I make payments, my balance doesn't go down, ive been making consistent payments for 2 years never been late, yet my balance seems to not decrease. I am waiting for supervisor call back is been 2 months.. This is the second credit card I have a with new Upcoming credit card people and am noticing this is a pattern between these companies as they are both doing the same thing. I am not going to pay another dollar until we get this resolve. I am submitting reports everywhere that will accept one for these thieves.. I NEED ANSWERS ASAP. Continental FIN CO you have no consent to sell my account to anyone as this needs to be resolve by the original creditor. My history of payments reserve the right as Ive been treating this account responsibly and making payments. never had any issues until this caught my interest and decided to address it. My account has been closed, I have no access any more, and has been also hit with fees as if in retaliation, thats the current status. I need a president type of rep to give me a call and resolve this matter expeditiously. until then I will be submitting reports everywhere and see where else this will lead. I will retain a lawyer for this matter, if this is not dealt with correctly. I don't deserve this treatment. taking more than expected through auto pay as well
Consumer complaint received 2024-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP (TX)

Complaint Regarding Unvalidated Debt and Improper Legal Action I am writing to file a formal complaint regarding the improper legal actions of attorney XXXX XXXX XXXX of the Rausch Sturm law firm. This complaint concerns an unvalidated debt for which I have been repeatedly threatened with legal action, in apparent violation of federal consumer protection laws. 

Background : Attorney/Law Firm Involved : Attorney : XXXX XXXX XXXX XXXX XXXX : Rausch Sturm Debt Information : Debt Type : Credit card Alleged Creditor : XXXX I have made multiple attempts to contact XXXX XXXX XXXX and Rausch Sturm via mail, email, and phone regarding this matter. 
I have formally requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which mandates that collectors must provide sufficient evidence to validate a debt upon request.

Lack of Response and Validation : Despite my efforts, neither the attorney nor the firm has provided adequate validation of the debt.

The failure to respond to my validation requests directly violates FDCPA 809 ( b ). 
Legal Action Threatened : XXXX XXXX XXXX and Rausch Sturm have attempted to take me to court for this unvalidated debt, which constitutes an additional violation of FDCPA 807, prohibiting false or misleading representations.

Violations Alleged : FDCPA 809 ( b ) : Failure to provide debt validation.

FDCPA 807 : False and misleading representation of the debt 's validity by threatening legal action without providing proper validation.

Fair Credit Reporting Act ( FCRA ) 611 : If this debt has been reported to credit bureaus, failure to ensure the debt 's accuracy before reporting it. 
Harm Caused : These actions have caused significant stress, wasted time, and jeopardized my financial stability. The improper threat of legal action and lack of response have left me with no resolution to this matter. 

Requested Resolution : Immediate Action to Cease Collection Attempts : XXXX XXXX XXXX and Rausch Sturm must immediately cease all collection attempts and legal threats until the debt is properly validated.

Debt Validation : Provide a full validation of the debt, including documentation proving that it is valid and that I am responsible for the alleged amount.

Removal of Credit Reporting ( if applicable ) : If the debt has been reported to credit bureaus, it must be removed until it is properly validated. 
Investigation and Enforcement : I request that the CFPB investigate the practices of XXXX XXXX XXXX and Rausch Sturm for potential systemic violations of federal consumer protection laws.

Assurance of Compliance : The attorney and law firm must comply with all applicable laws moving forward to avoid similar issues for other consumers.

I trust the CFPB to address this matter promptly and fairly. Please let me know if additional information is needed to proceed with this complaint. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2019-07-26
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 am not the person responsible for the charges made on the accounts. Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit repor XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX )
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX sold my mortgage to Select Portfolio Servicing. Select Portfolio Servicing is not allowing me to refinance my mortgage with XXXX XXXX XXXX. I gave XXXX XXXX XXXX access to my Select Portfolio Servicing account in XXXX and Select Portfolio Servicing has been claiming they can not find my Finalizing Loan File for over 3 months. Select Portfolio Servicing is also planning on charging me a reconveyance fee of an unknown amount even though I got my mortgage through XXXX XXXX. I want to refinance my mortgage with XXXX XXXX XXXX because of the superior rate they've offered me. Select Portfolio Servicing has me at 3.875 % on a Conventional 30-year and XXXX XXXX offered me {$3.00} meaning I've missed out on thousands of dollars of savings while Select Portfolio Servicing doesn't provide the Finalizing Loan File.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SLM CORPORATION (CA)

An account from Sallie Mae Credit card appeared on my credit report. This is not mine and should be deleted by the data furnisher. 

This is a result of fraud and i have attached a full police report indicating the theft.
Consumer complaint received 2019-07-26
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. (NC)

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open ''. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I am trying to close my Wells Fargo account. I had a verbal agreement for a settlement at a branch via banker connection in XXXX. After initial payment was made there was no longer any contact through either party and Wells Fargo voided initial verbal contract due to undisclosed terms. I sat with a banker a couple months later and when we called they told me I would have to pay the original amount prior to agreement even though I had already made a payment.
Consumer complaint received 2019-07-25
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: BARCLAYS BANK DELAWARE (UT)

Barclays Bank Delaware # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Consumer complaint received 2019-07-25
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. (CA)

Hi I called the companies to remove the credit Hard inquiries no answer. Went to police department since there is no money missing no report given. Contacted TRANSUNION TO REMOVE THE FRAUDULENT INQUIRIES they don't do anything. 
THIS COMPANY IS VERY DISRESPECTFUL AND CARE LESS FOR CONSUMER PROBLEMS AND REFUSE TO HELP ... ... 

THIS ISSUE AFFECTING VERY HARD MY CREDIT REPORT AND WHEN APPLYING FOR LOAN WILL HAVE LARGE FINANCIAL EFFECT
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - US SM BUS ADMIN ODA XX/XX/2021 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 my written instructions.
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Glasser and Glasser, PLC (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Glass and Glass P. L. C. 
XXXX XXXX. XXXX XXXX XXXX, Virginia XXXX To whom it may concern back in XXXX I advice this company XXXX XXXX XXXX, that I had become XXXX XXXXXXXX and out of work. They have since threaten me on number ours occussion and now they have turn this account over too this law firm which has summoned me to court on XX/XX/XXXX. 

When I first became disable I turned in XXXX benefits forms and they denied me benefits. Im XXXX XXXX  XXXX and on Social Security Benefits. My husband became XXXX back in XXXX and currently in a chair. I have spoken with this company numerous time with no fair results. 

This bill should have been written off under the XXXX benefits.
Consumer complaint received 2024-12-05
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Lo and behold, flagstar bank and their cohorts XXXX XXXX XXXX are at it again, after surviving Flagstar bank dual tracking plot with XXXX XXXX tagging alone for the ride and only after I filed a complaint it seemed on the surface they were on the right track well it appeared to be. What's going on now? 1. I was told by XXXX XXXX XXXX from the office of the the President of Flagstar bank that the foreclosure is called off and I was also sent documentation that states I have certain rights and one of the right was that I am still able to sell the home if I wanted too. 2. I called Flagstar bank and requested a payoff request near XXXX and did not hear from or received any request by mail for over 2 weeks, so finally I had enough waiting and called Flagstar bank to see what's the delay for the request. I was told and I am not lying that they must have sent it to the wrong email address oh I am not kidding that is what I was told and then they had the nerve to say I have called in one day and changed my email, now this is the same deceitful behavior I had to go through with the loss mitigation process.3 To add on to the other mischievous acts I was told that Flagstar doesn't have my file and that XXXX XXXX has my file and when I called XXXX XXXX I was told that they dont have anything and that their job is just to make sure Flagstar bank XXXX their record keeping right that's it. I was told by XXXX XXXX of XXXX XXXX that they don't have control of my mortgage or file that Flag Star is referring to and he also told me and he quoted " all Flagstar bank have to do is call XXXX XXXX and call off the foreclosure and that's it. '' I had informed him that Flagstar stated that the foreclosure was off. Right now this is what I am being see sawed with between XXXX XXXX and Flagstar bank. 4. Every representative that call Flag Star bank on my behalf keeps forwarding them to XXXX XXXX for a payoff request. I think I see what's going on between the lines XXXX XXXX wants me to pay for a Sheriff sale that have not happened and will not happen and for other miscellaneous actions that have not happened. Flagstar and XXXX XXXX partnering in unlawful tactics. Just stop the lies and unfairness.
Consumer complaint received 2024-12-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

There was an old charge off on my credit report from SYNCHRONY BANK Care Credit that XXXX XXXX purchased. Each time I try to contact the debit collector about removing the inaccurate information as the charge off is well beyond the statue of limitation, the company refuses to remove the information and the credit agencies continue to report the transaction even though I have disputed the charge off several times. 

Additionally, the debt collector keep re populating the debt with a new date to make the derogatory remarks appear new on my credit report. 

When I attempt to contact this collector, they offer idle threats and they are aware that they utilizing predatory collection practices that are designed to hurt, and humilate the consumer even though this is a very old debit. One of their communications even states that they are aware that the debt is too old to take legal actions, but yet they keep recycling it on my credit report.

When I asked for a manager, I was given the runaround and put on hold. when I tried to go through the credit bureaus to dispute this debt, the collector responds that it's accurate and that is not true. The credit agencies are not following through.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

A company called Convergent Outsourcing popped up and appeared on my XXXX credit profile and posted a debt XX/XX/XXXX. They never previously sent me any mail as an attempt to collect a debt. I never had any contract with them. They state on my XXXX report that XXXX is the Original Creditor which automatically makes Convergent Outsourcing a 3rd party Debt Collector. I owe no debit to them. There is no contract. 

I sent them and Affidavit OF Truth on XXXX XXXX XXXX and got it notorized at a local XXXX XXXX Bank by a Banker. Convergent sent me a copy of a bill statement, no contract and or rebuttal to my Affidavit. I am providing the Affidavit in the attachment i sent to Convergent, before XXXX XXXX notorized it because i forgot to make a copy after i got it done. 

My Affidavit stands as truth in a court of law. This is an illegal practice. This company violated my right to privacy according to the Privacy Act Of 1974. This company is hurting my ability to get loans, a car and credit cards at fair low interest rates which is oppressing to me and highly stressful. Them remaining on my Consumer Report is constant harassment.

15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt
Consumer complaint received 2023-02-07
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. (NY)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2020-11-19
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC (IA)

I called my mortgage company back in XXXX after I realized that they have not been reporting to the credit agencies. I was assured it would be escalated and it would take one month for it to cycle and show up. It is still not on any credit reports. I was previously with DITECH back in XXXX and New Rez hasn't been reporting anything since I have been transferred.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 my written instructions.
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 my written instructions.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - SXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX  XXXX Account # : XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2024-12-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (TX)

On XX/XX/year>, I logged into XXXX and saw that I had a collections request from Waypoint Resource Group ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ). 

Waypoint Resource Group had issued a collections request for {$230.00}, and the original creditor was listed as " XXXX XXXX. '' I have never had a XXXX account. I have never had XXXX XXXX, XXXX XXXX, XXXX XXXX, etc., so I submitted a dispute to XXXX on XX/XX/year>. 

This dispute was closed on XX/XX/year>, and when I called XXXX, they said that the collector ( Waypoint Resource Group ) had confirmed they were trying to collect funds from me. 

In addition to me having NEVER had a XXXX account ( voice, internet, cable, etc. ), I have yet to receive a single notice about this supposed outstanding debt. I have not been called, texted, emailed, nor received any piece of mail about this supposed debt. 

On the collections request, XXXX had listed the collections request was originally created by Waypoint Resource Group on XX/XX/year>. I have gone through my emails, calls, and texts, and I do not see any way they would have contacted me. 

Again, I have never had a XXXX account. 

When I looked the address up on XXXX, I saw many reviews stating they were in the same situation as myself. This is XXXX of the reasons I created the complaint. I am concerned they are acting in a predatory manner. 

The reviews say that Waypoint Resource Group contacts them about a fictional XXXX bill, and even after the bill gets dismissed ( or the debtor pays to avoid the hassle of filing a complaint ), the company comes back with another collections request. 

I have never had a XXXX account of any type, and I have never been contacted about this.