davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

well lets see I have been disputing fraudulent reports they put on my credit report out dated in formation been XXXX.5 years ago was deleted back on then XXXX auto loans not mine been deleted back on XXXX paid of loans deleted my paid of mortgage paid of in XXXX XXXX deleted XXXX inquires not mine under fraud alert with incorrect phone number XXXX not mine never has been mine mine is XXXX I put on security freeze and fraud alert back in XXXX XXXX I have n't seen credit report till XXXX XXXX XXXX in 13 months and trying too dispute stuff not mine even stuff put on in XXXX I knew nothing of it due too Equifax do n't follow the fcra they will tell you that too as well I just mailed out disputes off XXXX items that are not me period mailed out XXXX XXXX XXXX I know it takes few days too get there but they have 21 days too the date too dispute them items that are not mine they removed on there on free will I did n't know I never seen my credit report all I got was emails from them for {$20.00} I can see them they wanted money I wanted results according too the fcra and the fdcpa and the cfpb they have too send me hard copies there was XXXX inquiries on there how it was frozen under the state legislature I thought its frozen I pulled from the Equifax credit monitoring it showed XXXX blank page but it hade fraud alert with XXXX hows that I have called them too put my number back on XXXX she told me they do n't do that I said why in the consumer and identity victim she laughed at me told me sorry about your luck but we do what we want as we want I asked her they sent me paper work for me too mail my dl and bill I did back in XXXX XXXX XXXX it took till XXXX XXXX XXXX too get it hard copy finally after 14 months I called them tried too do dispute over the phone with confirmation number they said they do n't do that no more I told her I said you are supposed too as im signed up with you as member you laughed hung up on me I got another lady got her id number told me they have a lot of complaints about her and few other not wanting too dispute on the phone are on line im blocked on line due too fraud alert and security freeze I asked her can she help she said they were so busy due too the weather she would get me hard copy out fast and get back in they get on it and I told her its the first time since I seen my credit report in 14 months she said they have been going out I told her where she said it was private information im the victim where she told me her manager would n't let her help me im XXXX veteran she felt bad she told me hang in there I cant hang in there I have ton of inquires dated for XXXX and XXXX hows that possible due too the security freeze and fraud alert they must call freeze want let you see your credit report please help me I went from XXXX know too XXXX hows that possible this is my credit history and know these days everything has gone too credit XXXX you almost cant buy pack of gum with out credit im veteran please help me thanks
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

XXXX claims I owe {$21.00} on a cancelled XXXX auto insurance policy. My family and met with XXXX XXXX and bound AUTO Insurance before insurance lapse with XXXX. There has been XXXX ( XXXX ) attempts by XXXX ( XXXX ) people to resolve this with XXXX. XXXX now has put the above debt into collections. 

To date, XXXX XXXX, 2015, and to my knowledge, this issue has not been resolved and is costing me time, money and stress with their written threat to tarnish my credit by XXXX XXXX, 2015 should this fraudulent debt {$21.00} not be paid by XXXX XXXX, 2015. 

Please assist me in communicating that this debt is n't owed and to reimburse any and all monies due to me. Thank you!
Consumer complaint received 2024-08-20
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: Conn's, Inc. (TN)

I am writing to formally dispute the inaccuracies of the closed accounts listed on credit report. After reviewing my credit report the information regarding this closed account is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (OH)

PayPal Credit persistently calls my phone at least XXXX times per day, despite me telling them about talking while driving as I am an XXXX and are unreasonably calling and harassing me. After blocking their numbers so that I will not be disturbed or distracted, they use other numbers in order to harass me, even at night. I want this to STOP!
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

received statement from Citibank regarding complaint XXXX it addresses the XXXX XXXX on XXXX/XXXX/XXXX it claims no documents were sent that is invalid, they were sent and they declined ; XXXX additional circumstances were also filed XXXX XX/XX/XXXX XXXX another XXXX XXXX another XXXX XXXX, Citibank declined to honor all credit protection, the had adjusted payments from XXXX to XXXX which were to be XXXX interest, they once again refused any adjustments, bringing account down to $ XXXX then offering to adjust to zero interest, I had no income and they refused all three situations when I had been paying for credit protection ; the minimum fees acquired for 5 year period exceeded {$7000.00} ; it was challenged once again when it was discovered on credit report, they answered the complaint that they had tried to work with me and that I was in default and that it was sold. the account was closed in XXXX XXXX, it has been reported by XXXX on my credit report since XXXX and is still being reported ; both Citibank and XXXX have increased the balances due, I have had to spend monies for legal fees to fight this, a senior now on a fixed income, XXXX has refused to adjust balance, Citibank has passed it on too XXXX stating it is no longer their issue.
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I had my credit card for over 3 years and never had a late payment with the prior account servicer Household Bank. Once Capital One acquired the account, and since they took over my payments were not posted accurately to my account. They never processed my payments accurately from XX/XX/XXXX to XXXX 2014. My credit has been adversely affected and they are not willing to assist me. My credit score has dropped due to their actions.
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Management Systems Inc. (FL)

I signed a lease with an apartment complex without having a guarantor ( need XXXX according to the contract ) and the day after, I had to cancel it because my roommate was no longer able to move up as a result of a background check. I tried to cancel the lease in writing the following day and they told me I was stuck in it. I told them I would not be living there and to rent it out to someone else. They in turn rented it out. Over a year later, they contacted me telling me I owed over {$8000.00} for the lease. Upon receiving this bill, I called, told them the problem, and now they are trying to charge me {$350.00} for a cancellation fee. They rented out the room without telling me anything about it and were originally trying to charge me the full amount until I called. This is criminal. I did not live there and cancelled within 24 hours.
Consumer complaint received 2015-04-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE FINANCIAL SERVICES, INC (MA)

Loan officer never told me about all of the requirements for getting a mortgage. Entered into an agreement t purchase a home that needed some work. Loan officer told me the requirements under the loan I was getting were, A room must a closet to be considered a bedroom and that home ca n't have any unfinished rooms. With that information a I agreed to continue and have an appraisal done. When the appraisal came back it was noted to have some minor peeling paint and a couple of loose roof shingles. Loan officer told me that in order for Mass Housing to approve this loan I would need to repair these items. Neither I or the homeowner were ever in a position to do this. Had I known that these items would have been a requirement I would n't have gone forward with this appraisal. This is just XXXX example of the deceptive and incompetent practices from Mortgage Financial.
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

They leave messages telling me to call in re debt collection. I called them to find out what it was about ( the previous owner of my phone number incurred numerous debts ; I have had calls from collectors before ). They demanded my social security number in order to " reference my account ''. I naturally refused and told them " you called ME, so clearly you already know something about me with which you can look up my so-called account ''. They hung up on me.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Date : XXXXXXXXTo : SPECLOANSVXXXX XXXX XXXX XXXX XXXX XXXX CO XXXXFrom : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXRe : QWR Error Resolution Notice under 12 C.F.R. 1024.35Mortgage Loan Number : XXXXI am writing to request correction of the error 's described below in regard to the mortgage on my property at XXXX , VA XXXX. 

1. Failure to provide accurate information about loss mitigation options. I was advised that I qualified for a loan modification under the XXXX affordable or hamp program and that I needed to fall delinquent on my payments. I made payments and those payments were not applied to my account which caused further delinquency and fees. 

2. Failure to Credit multiple payments correctly to my mortgage loan account on the date that it was received by Special Loan Servicing and incorrect reporting of XXXX day late. The below dates being reported incorrectlyPayment Errors : Incorrect Reporting of Delinquency. Loan was never XXXX days delinquent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Identity : Please provide to Identity and or contact information for the owner or assignee of the mortgage within XXXX business days. 

Desired Resolution of Error : Please update credit report to reflect the actual account status of current XXXX - XXXX. I was never past due as I was on a Interest Only ARM. Please remove all delinquent history and update my mortgage history as current for the above mentioned dates. 


If you need to contact me, I can be reached on my Cell at XXXX and my mailing address is XXXX VA XXXXSincerely, XXXX XXXX
Consumer complaint received 2015-12-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC (WA)

Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. 

In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.
Consumer complaint received 2015-08-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.
Consumer complaint received 2015-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SCOTTRADE BANK (MO)

Bank XXXX XXXX sent the payoff on XXXX trucks to Blvd Bank, XXXX XXXX Loan Operations Department, on XX/XX/XXXXThe Cashier 's Check was cashed on XX/XX/XXXXBank of XXXX nor I received a lien release on my XX/XX/XXXX Chevy XXXX. When inquiry was made to XXXX XXXX Loan Operations area, they stated they are waiting for the file??? 
This truck was paid off XXXX days ago with a Cashier 's Check. There is no reason the lien release should not be sent out. I do not understand a bank operations area that can be that dysfunctional. This is totally unacceptable financial practice for a financial institution. Where is the fiscal responsibility?
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I did not get a mortgage loan from XXXX conventional real estate it says the account open XX/XX/XXXX it was a joint account loan for was for {$28000.00} and the last payment was made XX/XX/XXXX. This mortgage company is from the south and I 've never lived in that area or applied for a mortgage loan. Thank you for your time
Consumer complaint received 2015-05-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Independent Recovery Resources, Inc. (NY)

I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have asked Experian to investigate and if not verifiable delete negative information on my report. I have explain and shown Experian the mistakes such as re-aged, recent monthly payments on accounts that are closed and they have fail to provide me with validation of accounts from collection agencies. Experian has responded twice that the information is accurate according to the furnishers of the information, also sending a final notice that unless I send additional relevant information that supports my claim they would not re-investigate the dispute accounts again.