davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management (TX)

On Tuesday, XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX, on behalf of Plaza Services Inc, called every single personal phone line of a third party, my father as well as his business lines. My father is not my guardian and I do not enter into loan arrangements with him named. He is a third party. According to my father, a phone line was contacted that is for internal employees and is not publicly available. Two voicemails were left for my father where XXXX named me as a party to legal action and threatened " final legal action '' and suggested that current proceedings " may have been initiated. '' XXXX did not name that he was attempting to collect a debt nor did he name his affiliation with any company, let about XXXX or that he was called on behalf of Plaza Services. The phone numbers that he contacted are clearly listed as those of my father in public records or are official phone lines of his company. I have these two voicemails saved. 

XXXX attempted to call me but did not leave a voicemail. He only left a voicemail with my father and his business. I called XXXX and asked him if he was aware that it was improper to contact third parties to collect a debt, not only one time but several times. When I asked for information regarding the dates that the debt was charged off and ultimately sold, he told me that I was not being cooperative, and he spoke over me and stated that his client is strict and unless I said that I wanted a settlement that he was going to communicate with the client ( Plaza ) that I had stated that I did not want to cooperate on settling the debt. XXXX would not even disclose to me the name of the collections agency he worked for. He stated that it was called " XXXX '' and that the acronym was something I didn't need to know and it " didn't stand for anything. '' He threatened me with false statements to a creditor. He hung up on me when I insisted on collecting further information and stated that he's telling the client that I didn't want to cooperate. I called him back, he further spoke over me because he wanted me to agree to the settlement of a debt that I didn't have enough information about. I ultimately was transferred to XXXX ' director where he gave me the requested information and agreed that XXXX 's behavior was a violation of federal and state ( Texas ) debt collection laws. Not once did XXXX ever use a disclaimer that he was calling in an attempt to collect a debt when he was initially in contact with me. 

After I asked - well into the phone calls- I was assured that all of the calls referenced above were recorded. I informed the director that I'd be filing federal and state claims under consumer protection laws. The voicemails left for my father and his company as well as my conversations with XXXX and XXXX ' director all took place on XX/XX/2021.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

Experian has added an unwanted lock or security freeze of some kind to my report without my knowledge or consent. I have reached out to Experian several times over the last few months attempting to unlock my credit report and they have offered me little to no solution each time claiming that my report is not locked and they have already resolved the issue. This is not the case because I can not access my report to apply for new credit. I have been trying to apply for an apartment since XXXX but can not get approved because my report is locked!
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NC)

I disputed XXXX XXXX because it was on my account more than once last year or so after it had already been reported. It was removed and then they added it again as Receivables Performance along with XXXX XXXX. I disputed it with XXXX  and it was removed and they just added it again a day or so ago. This is not fair to me as it keeps making my credit score go down every time they add it. I asked for it to be removed in the beginning because it was showing up twice under 2 different names. If they want to put it on my credit fine but dont keep putting it on my credit under different names making my credit score go down when it was already on there once the first time and they are the ones that had it in my credit under two different names so I had to dispute it. This is not right or fair whatsoever. It says the debt remains for XXXX and then removed for Receivables Performance, so why is it on there again a few days ago. I never received any notice if reinsertion as explained by FCRA.
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I applied for a mortgage and made an offer on a property in XXXX GA, on or about XX/XX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX, XXXX, and XXXX insurance  companies, for homeowner insurance quotes. 

On or about, XX/XX/XXXX, I advised my real estate agent, to terminate the contract, due to loan issues, relative to XXXX  XXXX XXXX. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XXXX/XXXX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, was terminated on XX/XX/XXXX. 

XXXX. 

I applied for a mortgage and made an offer on a property at XXXX XXXX XXXX, XXXX, GA XXXX, on or about, XXXX/XXXX/XXXX. In pursuing a mortgage, I contacted several insurance companies, including, XXXX XXXX XXXX, XXXX, and XXXX insurance companies, for homeowner insurance quotes. 

on or about XX/XX/XXXX. I advised my real estate agent, to terminate the contract, due to contingencies issues, inspection, including other property issues. The Unilateral Notice of Termination was issued to all parties, including the Mortgage company on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX however, in a violation of the FDCPA, issued a policy ( # XXXX ), which it states, that I terminated on XX/XX/XXXX. 

XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91, Fair Credit Reporting Act, 15 U.S.C. 1681. 51-6-2, et al. 

XXXX has engaged in willful and reckless harassment, malice, and contempt, along with reckless indifference of my rights, which are protected by both XXXX and XXXX XXXX. They have done so deliberately and without regard for my well-being, comfort, and enjoyment of life. 

Please take note, due to this deliberate behavior of XXXX XXXX XXXX XXXX XXXX XXXX, I have suffered, irreparable pain, suffering, and enjoyment of life, as a result, I will be pursuing claims for damages, in, State or Superior Court of XXXX XXXX Georgia, and/or Federal Court, where applicable. 

I demand a payment sum of {$5000.00}, in order to settle this egregious and deliberate act, as I'm in the process of going to closing on a home, on XX/XX/XXXX, and my credit will be pulled, reflecting this illegal action.
Consumer complaint received 2021-11-10
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equafax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX-Balance {$0.00} XXXX XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance {$3900.00}
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I turned in my payment to the processing center and they are acting like they never got it. I sent the payment certified mail, which it said it was delivered to the correct XXXX XXXX XXXX I has been a whole month and they are trying to let fees accrue while they play XXXX. They payment says it was delivered XX/XX/2022. It was in the form of a payment coupon. According to LAW " '' Coupons are written contracts for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, thatthey, may be separated from the bonds and other instruments to which they are usually attached, it is held that they are negotiable and that a suit may be maintained on them without the necessity of creating bonds. '' Aurora v. West, 7 Wall. S8 19 L. Ed. 42 '' it's taken in good faith with intent to accept unconditionally for value upon only minimal due diligence allowed, cautioned, and required by law, implied contracts in place, constructive trust involved, and contacts. My fiduciary responsibilities include specifically, the duties of care, confidentiality, loyalty, obedience, and accounting. Above all emphasis is on accounting as " the Undersigned '' can not be held financially liable for anything he did not personally sign by his hand and which can not be presented & /or exhibited upon request for inspection for authenticity, terms, conditions, and to view all contents as to possession reflected on fronts and backs. XXXX XXXX is suggested as to owing payment or performance. The Undersigned is XXXX XXXX XXXX and is not guarantor for payment nor guarantor for collection for XXXX XXXX however as POA facilitator you have a duty of due DC diligence to verify authenticity and positive identity if demanding party claiming a right to payment or performance.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 has violated my rights. 15 u.s.c 1681 section 602 a : states I have the right to privacy. 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance Owed : {$470.00}
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NC)

Financial Institution ( PHH ) offered a new modification XX/XX/XXXX, after a year & a half struggle to get my house refinanced. Was end of term on loan & PHH would not work with me on payments, which caused my credit score to go down & PHH was adding monthly fees & interest- my credit score ensured that no other finance institutions would work with me. When new modification was finally achieved, all delinquencies should have been removed & since then, all my payments have been on time - the first few, I had to mail & remaining payments have been done via phone. A delinquency of 180 days is still showing up on my credit report for PHH, which is keeping my credit score from going back up. I am disputing this here, as this is WRONG information & is indeed fraudulent.
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

There is a inquire on my credit report from Chex System that I never made and that was never mine. 
Inquire name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WI Date XX/XX/2021 I never was in XXXX I never made this inquiry or even opened a account with this company.
Consumer complaint received 2021-09-02
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: CAINE & WEINER COMPANY, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX  ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) CAINE & WEINER COMPANY INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (PA)

I got approved for a XXXX loan with Caliber Home Loans but an agent called me to deny me the loan. He said my score was too low. I said they can't deny me credit after it got approved, they are in a fiduciary obligation and anyway I was going to pay the loan in a short period of time, but he still refused to give me my loan and hung up on my XXXX.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

I was charged {$180.00} on my Best Buy credit/Citi Bank on XX/XX/2021 that I did not make. I had a XXXX balance on my account since XX/XX/2021 and I had not purchased anything on this account. I called the Best Buy store XXXX XXXX XXXX to dispute these charges in XX/XX/2021 they told me that it was a renewal for Best Buy Tech support. I told them that I canceled this renewal in XX/XX/2021 at the Best Buy store in XXXX at the customer service Desk and the XXXX XXXX desk . I have complained to several customer service representative since XXXX and to Citi Bank. On XXXXXXXX XXXX I called the Best Buy store to ask for a XXXX to dispute these charges again and was told there was none available and that someone would call me back. no one called me back so I called again and I talked with XXXX XXXX. # XXXX She said that she saw where I had cancelled the tech support, so she issued me the refund but for only {$150.00} with a remaining balance of {$65.00}. I told her that I was not satisfied with this and she told a XXXX would call me within five days. On XX/XX/XXXXXXXX XXXX I called back to the Best Buy store in XXXX to speak to a XXXX, I talked with Miles who couldn't help me, then I talked to XXXX and he put me on hold and then hung up on me, I called back and talked to XXXX who was in the XXXX, I hung up and I called the Best Buy store in XXXX again and spoke to XXXX  and was put on hold for over a hour finally I hung up and called the Citi Bank for Best Buy and talked to XXXX who connected me back to Best Buy in XXXX and I talked to XXXX in the XXXX XXXX billing about the fraudulent charges to my account, she told me that they could only give me the {$150.00} credit to my account. I asked for my account to be closed at that time on XX/XX/2021 and asked for a XXXX and was never connected to one after being on hold for hours. I reported these fraudulent charges to all three of the credit bureaus and that still didn't resolve the fraudulent charges on my account or my credit report. I am still receiving bills for this fraudulent charges and Citi bank/Best Buy is not trying to help me with this dispute.
Consumer complaint received 2021-11-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC (PA)

My mother and I were contacted on XX/XX/XXXX, by a woman named XXXX who claimed to be from a legal agency and stated that I had been given a payday loan in XXXX and that I had defaulted on the loan and that I would need legal representation because I would be taken to court if I did not agree to a settlement or pay off the loan amount. I called XXXX at ( XXXX ) XXXX and she claimed to be working on behalf of a loan agency/creditor who claimed that I had defaulted on the loan and was in breach of contract, and that I would be taken to court if I did not pay the total amount of {$1400.00} or agree to a {$500.00} payout paid in {$250.00} installments. Sunset Solutions Group LLC emailed me a XXXX document, which I was forced to sign under duress and afraid. On XX/XX/XXXX, I received an email from XXXX XXXX, who described herself as XXXX 's new payment processor and informed me of a new contact number for my payment. The phone number to call is XXXX, as indicated in the email. I've kept track of the emails from them at XXXX.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.