davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices Howard Lee Schiff, P.C. (ME)

I started receiving letters from Howard Lee Schiff in XXXX they have added more debt since this time they now have 4 cases they say I owe on I tried to pay on the first one in XXXX they refused to let me make automatic payments so I told them it was about time they got upto the times and allowed me to pay automatic every month. I didnt hear from them for many years then last year I began getting calls from them I explained the same way I did before they are not allowing me to make automatic payments. Since XXXX of this year I have received nonstop calls and mail from Howard Lee Schiff they had begun sending court papers I did dispute having 4 cards that I owed on they sent me 3 files but not the fourth. The information from original creditor does not show me that I was involved in any of these accounts. After I asked them not to contact me through mail or any other way explaining that I have tried to make automatic payments on 2 cases years ago and they refused to let me and now they are upto 4 cards. They sent me a paper for automatic payments in XX/XX/XXXX after saying for years they couldnt do this. I filled the paper out for all 4 accounts together stating they need to take the once a month payments out starting XX/XX/XXXX also sending this proof to the court. They then still continued to not take payments I even called Howard Lee Schiff office to ask why my payments still are not being take the lady told me sometimes it takes 30 days wait until XXXX. No payment taken in XXXX so I copied all these papers again and went to the post office and sent it so someone would have to sign when it was received. It has been signed for and I have not had a payment taken and still have not received anything by mail. I honestly have tried to pay on this only for them to add more accounts which I dont believe I even owe but to get ahead of this I tried to make payments and they refuse and now I have court papers for dates for all of these accounts I believe its not fair because I have tried to pay this for years. They have even told me in the past 2 years that I run my own business so they will take the money from my husbands paychecks.
Consumer complaint received 2021-08-02
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. (PA)

In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX  failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon XXXX financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus asap!
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 2022-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (MI)

I sent a letter to XXXX asset strategies in XX/XX/2022 asking for verification of an alleged debt. 

They responded to me by mail in a letter dated XX/XX/2022 stating that they determined that the debt was valid and included a statement of account stating that this is all that the " original '' creditor is able to provide for them at this time There is nothing indicating that htis belongs to me, I asked them to provide something showing that I am/was in contract with XXXX or with the alleged debt with XXXX and they sent neither.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied online for a new Bank of America XXXX XXXX XXXX credit card on XX/XX/XXXX. The application was " pending '' until XX/XX/XXXX. On the morning of XX/XX/XXXX, I received a single call from Bank of America. I assumed this call was made due to the notation on my credit files requesting that any issuer contact me via cell phone before extending credit. I was not able to answer the call. Bank of America did not leave any voicemail confirming my assumption or to provide any information as to the reason for the call. I immediately called Bank of America to ask about the reason for their call and I was told the representative that attempted to reach me immediately declined the application for credit and that I would receive a letter stating the reasons for their denial. This representative stated they had neither the ability to connect me to the person or department that attempted to reach me nor did they have the ability to tell me the reason for denial over the phone. Bank of America did NOT provide me a letter stating the reasons for denial within 30 days. On XX/XX/XXXX, I called Bank of America to ask them to send the letter so that I could find out why I was denied. The letter arrived within two weeks time, further evidencing my suspicions that an original letter was never mailed to me. When I received the letter, my assumptions were confirmed that the call was to comply with the notice on my credit file and the letter directed me to call a specific number to verify my approval for the new credit within 30 days or my application would not be able to be processed. However, it was impossible for me to call within 30 days because BofA did not provide me the denial letter within 30 days as they are legally required to do. Now, if I still wish to open the credit card, BofA is requiring me to apply again, obtain another hard inquiry on my credit report, and hopefully not miss their singular call to verify my approval. This was both a horrible experience as well as a regulatory violation in my opinion.
Consumer complaint received 2023-09-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (GA)

XXXX XXXX gave another company by the name of Us Collections west, Inc my personal information and account balance and now the third-party company is trying to collect a debt I do not owe them. The third-party company Us collections west created an account that is not mine and does not belong to me. The third-party company was not able to validate the debt upon my request per 15 USC 1681. I have requested the company to remove the derogatory accounts and they refused. I also paid them {$2000.00} without realizing the account does not belong to me. They failed to comply with any requests I have made
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (ND)

I was accepted to us the my apple credit a couple days ago and was told it was ready for immediate use and my daily limit is {$3500.00}. It is one week before XXXX time so I began to make some purchases which was the whole reason for me getting the card. I used my card at a local gas station for a small purchase and it went through but for any large amounts the card would not go through. When I called to speak with a specialist I was told all the declines transactions were cleared and Im able to use the card now. Tried it again and no luck so I called back again to be told there was some Id verification issues which he fixed and it was easy for use again. Tried it again and still no luck. Called back a specialist only to be told nothing it wrong with the card it should be ready for use but it isnt working and no one seems to know how to fix the issue. This is big inconvenience to me because I got a credit card I can not use when I specifically got it because XXXX is next week. Any help would be greatly appreciated thank you.
Consumer complaint received 2023-01-03
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MN)

On XX/XX/XXXX we contacted AmeriSave Mortgage regarding a new loan application. KNOWING that we had to be 2 years discharged from a Chapter XXXX bankruptcy before we could apply for a new mortgage we decided to call and get pre-approved. When speaking on the phone with the XXXX from Amerisave for 18 minutes, we clarified NUMEROUS times with them that they were able to do a loan for us with a discharge of 2 years from ChptrXXXX and she reiterated 4x throughout the conversation and us asking repeatedly to verify they were able to YES. After each yes she gave, we then would provide more info and then repeat the situation for clarification and continue to get the same answer of YES each time. We then agreed at that point because we were told multiple times that yes they can provide a loan for us with a 2 year discharge from Chptr XXXX to have our credit pulled. Mind you we have been working very hard on our credit and have been very cautious with applying as we know this will lower your score some and an inquiry stays for 2 years. She then pulls our credit, says everything looks great, I am going to work on the preapproval for the property and I will call you back. However, when she calls back she then says, I am sorry we can't do anything for you as your discharge needs to be 4 years out. I said, we CLARIFIED this many times with you prior to allowing you to access our credit and you told us the same thing every time, yes 2 years discharge from Chptr XXXX She says well, I am sorry its 4 years, I thought you were talking about a Chptr XXXX. 

We would have NEVER allowed access to our credit if this was the case. We KNEW ourselves exactly what the requirements were for and questioned her multiple x. This seems to be a fraudulent way to gain access to a person ( s ) credit when they blatantly lie to you and then pull it because you are misled by the XXXX. We are now stuck with this lender inquiry for 2 years because of the companies deception. How do we remove these?
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (CA)

I paid for the internet service provided by XXXX XXXX while working for a former employer ( XXXX ). I was called to duty for the XXXX XXXX  and knew I would be gone for some time, so I called to cancel the service and a representative of the company informed that I can turn in the equipment mailed to me ( for use of service ) in at a certain location, ( Which I did the following day ) and that no charges would be incurred. To my surprise a few weeks later, I started receiving mail saying that I owed money. Then sporadic calls from XXXX representatives, and now nearly daily calls ( sometimes multiple calls throughout the day ) from a law firm of Maury Cobb. I informed them that I wanted them to stop calling, but it has not stopped. These are unsubstantiated charges ; and this minor issue is creating hindrance for me, as I am in the process of looking to purchase a home for my family.
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (UT)

FRAUDULENT deb collection attempts ... .Received both a call and was sent a letter from Allied International Credit corp AIC attempting to collect a debt of {$77.00} from original creditor XXXX  . when checking my XXXX  account there is no communication of debt owed whatsoever. When searching the company on the internet it states these are fraudulent inquires/not legitimate and XXXX states they will never send communication in the mail.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (NY)

Signed up with Freedom Debt Relief through XXXX. They made alot of promises about ease of paying off debt. Very misleading about fees. They claim that they told me about 22 % fees ( which I never would have agreed to ). After 16 months I noticed they had taken over {$17000.00} from me and, after looking into it, discovered they had paid less than {$7000.00} to my creditors. When looking at their website ( my client dashboard ) they use very deceptive tactics to show how you're making progress on your debts. Once I discovered that they had " stolen '' over $ XXXX from me they had me speak to several people that were well trained at covering up the numbers. When I cancelled and told them I would no longer let them steal another dime from me, I had {$770.00} left in my " dedicated account '' that was supposed to be returned to me. Interestingly enough, they all of a sudden came up with more " fees '' that came to exactly the money left in my account!! So as if it wasn't bad enough that they had already taken {$10000.00} from me ( none of which went to my creditors ), they took my last {$770.00} as well!! This company has got to be stopped!! I see that they had previously lost a class action suit in XXXX  ... not sure how or why this company is allowed to continue stealing from people who can least afford it!!
Consumer complaint received 2019-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/19 I went to a Chase Bank branch to withdraw {$80.00} from a non-chase bank account using my XXXX XXXX debit card. After entering in my PIN number and selecting the withdrawal amount the ATM displayed an error and said to call Chase at XXXX. I called this number but they were unable to assist and referred me to my bank. Meanwhile, {$80.00} has been deducted from my checking account and my bank said it could take as many as 10 days to get it back after they dispute it. I have attached a copy of the receipt with the error message on it.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (TN)

We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We just started using Square.com for CC and checking expenses for company. We only have 6 transaction on the ledger as we just started using it. on XX/XX/XXXX we transferred {$500.00} into account for operating expenses. Went to try and purchase Feed for our livestock. It was declined 3 times. Called and they told me my account was under review. the next day got a email stating the account was deactived and they will hold our funds for 90 days before returning. We have had XXXX goats die ( {$500.00} ), had to cancel 4 classes ( {$2000.00} ) plus the {$500.00} they are holding. This is my last attempt before getting a lawyer. I contacted and filed a complaint with the XXXX as well as the Attorney General of TN. XXXX got reply that they will investigate it, note only one goat died at this time. the next day another one died because of this. I immediately logged into XXXX  and reported that I did not accept the resolutions. This was the reply from them and what I wrote back. 

From Square : Hi XXXX, My name is XXXX and I am a Manager with Square. I am reaching out about a XXXX XXXX XXXX  complaint that you filed on XX/XX/XXXX. I am currently investigating this issue, but wanted to make contact with you. I will follow up again once I have more information about the situation. If you have any additional questions related to this issue, please respond to this email directly. I am happy to help. 


Regards, XXXX ( she/her ) Complaints Manager | Square Customer Success ref : XXXX : ref My Reply : From : XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Subject : Re : A Message from Square Support To : Square XXXX Cc : Yes it has been a nightmare I have only used it for like 6 transactions and just started using it for business expenses. We have no reason why it was deactivated. We now have our feed bill for our XXXX XXXX XXXX XXXX XXXX in limbo. It now starts transfer in progress. But every day keeps changing the date started out pending transfer on XXXX next day it changed to XXXX and today changed to XXXX. We are a XXXX XXXX that relies on donations and operating expenses which two of our goats have does since this. And we had to cancel 4 classes as we teach the youth about XXXX XXXX  and sustainability. There was money moved there to test debit card. Then there was a test transaction from website then the feed expense which was denied 3 times even though we moved money into it for this expense. We need that money released so we can feed our animals. Right now we are at a loss for about XXXXXXXX XXXX for the goats. XXXXXXXX XXXX for the classes canceled and the XXXX tied up in limbo. We need a resolve in this matter as if we loose one more animal there will be a lawsuit drawn up. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PayTomorrow, LLC (NC)

I used Pay Tomorrow to finance a purchase of new wheels for my car on XX/XX/2024. Since then, I have been receiving excessive and repetitive phone calls from Pay Tomorrow, sometimes more than 4 to 5 times every single day. Even if I am just one day late on a payment, I am immediately bombarded with these calls. I have the app downloaded and use it to make my payments, yet the calls continue relentlessly. The frequency of these calls is disruptive, especially while I am at work, and I have requested multiple times for them to stop. 

I have never experienced this level of harassment with any other company I have leased with. As a result, I am requesting immediate action to stop the repeated phone calls and compensation for the inconvenience this has caused. I also ask for a written acknowledgment of this complaint and resolution within a reasonable timeframe.
Consumer complaint received 2022-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I began to write disputes to each credit bureau ( Transunion, XXXX XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop
Consumer complaint received 2021-08-02
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: Lincoln Educational Services Corporation (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). LINCOLN TECH violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).