davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

CFPB complaint XXXX u asked for my sensitive personal id. I hope u treat the fraudulent corporation with said invasive sensitive proof demanded of me the victim of their financial crimes!. U sent me a link in an email to upload my ss card my Gov is and a bill. Then u wanted me to tell u my address for 2 yrs my dob and ss number. I did that multiple times for an hour. Your site is BROKEN and wont let me upload docs. Im complying with your request here. 
I have lived here for 24 years and the other info is on the documents u demanded from me or else u wont consider my complaint. Unfair. 
Make the XXXX  prove they paid ins from XX/XX/XXXXXXXX  to XXXX. Make the XXXX  prove they delivered 2 legally required completed cancel docs at execution with proper dates and address of property. Neither can be proved without their fraud. The address is wrong and includes the house across the street! Dates wrong. 2 legally compliant cancel docs are required to be delivered to borrower and they still have not done so!!! It never happened. XXXX removed the loan completely as should you. You have willingly and intentionally ignored my proof of escrow cancelation, multiple times, my proof of ins payment, my proof of their written promises to cancel this loan and remove from credit bureaus. U ignore my evidence intentionally and recklessly and to my harm. I have been forced to sue for inaccurate credit reporting. U dont care. U ALWAYS side with little to no evidence from the corporations here. That system is unfair and broken. There is overwhelming proof the debt was paid and u ignore me and side with a corporate non of the head absent ANY proof. Thats just wrong and harmful. 

All money was returned to alameda per loan terms in check XXXX less damages to me. Thousands of dollars more than I got in loan proceeds were missused to make up payments for the canceled loan. XXXX has removed the loan. XXXX XXXX has no record of the loan. But u dont care. U only side with a comment from a corporate employee and continue to cause me sever emotional distress intentionally or and negligently. Prove the ins was paid. Prove the lender delivered 2 cancel docs required by law EVER!!! I still have three days to cancel and I did and u know it and just disregard my rights and interest recklessly and cruelly. 
U are cruel.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM VICTIM OF AN IDENTITY THEFT, BACK IN XXXX  SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX, THE CHARGES AND THE PAYMENTS MADE ON THIS CARD ARE NOT MINE. I UNDERSTAND THAT THIS IS A PAID IN FULL CLOSED ACCOUNT, BUT BECAUSE THIS IS A FRAUDULENT ACCOUNT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. LAST PERSON I SPOKE WITH WAS A REPRESENTATIVE AT XXXX XXXX  XXXX ( XXXX ) AND I EXPLAINED IN DETAIL HOW THIS CARD WAS OPEND FRAUDULENTLY, SHE WAS KIND TO PUT NOTES IN DETAIL AND STILL NO RESOLUTION, AGAIN I UNDERSTAND ITS A PAID IN FULL ACCOUNT AND ITS CLOSED BUT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. 3 TIMES I HAVE FAXED OVER MY IDENTITY THEFT REPORT TO THEM AS WELL AT THE NUMBER PROVIDED BY XXXX XXXX  ( XXXX ATTN : FRAUD DEPART.
Consumer complaint received 2023-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

As seen in the copy of the attached Letter Re : Collection Attempt on Behalf of XXXX XXXX, dated XX/XX/XXXX ( the " Letter '' ), the attempted collection action is ( i ) inaccurate, ( ii ) fraudulent, ( iii ) time-barred, and ( iv ) illegal. 

First, the alleged amount owed stems from bad-faith corporate acts meant to scam customers out of money for a company 's own failings that occurred in XX/XX/XXXX. This has previously been dealt with ( see Exhibit A of the Letter ) as of XX/XX/XXXX. I had set up autopay on my electric account and they had previously billed it monthly. For some reason, they decided not to do so in XX/XX/XXXX and instead tried to hide the fact by failing to communicate with me so I incurred late fees. These acts were, at best, grossly negligent, or, at worst, intentionally fraudulent and committed in bad-faith. Either way, the Letter was sent to their collectors in XXXX and this issue was resolved at that time with no further action -- likely because they realized the illegality of their activities and the malfeasant nature of XXXX XXXX 's actions. 

Second, XXXX XXXX was notified of this back in XXXX and this issue had previously been resolved. Now, they have fraudulently reported that the amount was owed in XX/XX/XXXX -- a deliberate attempt to circumvent Texas law that time-bars their collection ability. Texas law time-bars collection activity after XXXX years. Accordingly, had they admitted the original date -- XX/XX/XXXX -- they would not have been allowed to report the collection item. Accordingly, they intentionally misrepresented that an amount was owed as of XX/XX/XXXX in a facially transparent attempt to circumvent the law. 

Third, as XXXX XXXX was previously notified and this issue was dealt with, combined with the fraudulent reporting date, this act is fraudulent and illegal on its face. 

Formal notice has been sent to their collector agent, XXXX. However, given the unscrupulous nature of their fraudulent activity thus far, I'm ensure all available actions are taken to get this collection amount removed from my credit report and see to it that their fraud stops.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 2288984 Ontario Inc. (TX)

On my credit report, they keep on reporting it as a new debt It was filed again in XX/XX/XXXX as a new debt was already reported in XXXX and they keep on refunding it like its a new debt thats got to be illegal. Affecting my credit in a negative way.
Consumer complaint received 2023-10-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (OR)

I called in to setup automatic payments on my card. They walked me through it over the phone and verified it was good to go and Id no longer be receiving paper statements. One month goes by and a letter shows up stating Im 30 days past due. 

I have never once made a late payment in my life. I made sure to verify multiple times that my auto pay was setup and I wouldnt be missing any payments. Their employee did not do it correctly and now Im being punished for their mistake.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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. 
XX/XX/5178 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 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 2023-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (FL)

Debt Amount XXXX Collection Company ( Plaza Services LLC XXXX the original creditor XXXX XXXX XXXX  XXXX Date of the loan, showing XX/XX/22. 


My identity was stolen on a loan I never applied for.Someone got a whole of my personal information and used it to obtain funds.The bank is XXXX XXXX XXXX never received notice or call in reference to this loan.I need to see once this loan was obtained, if any payments were made on this account and if so, by whom and what account, and how the account was being paid.I am not showing any inquiry on my credit report in question about this loan..The loan was turned over to a collection company by the name of Plaza Service LLC.. I am requesting for the original purchase agreement from Plaza Services LLC, that shows that they are the original legal owner to this alleged debt.Please include all the terms and purchases in this agreement
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 there is an unknown check that was posted to my account with funds of over {$3000.00} were withdrew in error. I called the bank as soon as I noticed the transaction and after being on the phone for one hour, they acknowledged that it was a mistake on their part. That the funds would be back into my account within 10 days. I requested the funds to be back into my account within the next day and the banker indicated that the funds should be returned in an hour.

This morning the funds were still missing from my checking account. They again confirmed that it was their mistake but that it would have to be processed through their claims department which may take up to 10 days. I requested that my funds be returned to me within the next day to pay my bills. There was no resolution after I spent 2 hours on the phone and was transferred 4 times to different bankers/supervisors at the " executive '' level.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

There is a person in my account I can not control what he does. He is not with me, he is overseas, I do not know him, I am not on his side. He took my money, $ XXXX total. I filed disputes, reports with XXXX.XXXX, FTC, XXXX XXXX, and filed claims with AIG and XXXX because I am supposed to be protected as a member of XXXX XXXX  and XXXX but nobody has helped me. I dont know how to do anything that has been done for you to close my account, it was the last of several I lost because of this. I waited to report it because I did not want this to happen because now I have no accounts. I am not a hacker, I am not a suspect, I do not do fraud, and I dont prey on other people. Thats what they do to me all my life. 

I am sitting in the dark because my utilities turned off, my ten+ vehicles and trailers are stolen by landlords or are in impound now, my insurance has lapsed, I have no food to eat, Im locked out of my storage units, and my move to Kansas has been stopped in its tracks. Years of planning destroyed by a foreign hacker and XXXX banks that couldnt have my back and just return my stolen money so none of this would be happening to me. I didnt want any of this to happen, I was so close to my goal of making it out of XXXX XXXX XXXX but I have been stopped in my tracks and all my hope has now been shattered. You dont understand what I have been through to come this far and I have been waiting patiently for that claim money to be returned to me in spite of everything around me falling apart so I could have a chance to survive but you have taken that hope now completely
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC (FL)

I XXXX XXXX received a collection letter recently dated XX/XX/2023 from a law firm known as RAS LaVrar , LLC. The account was a XXXX account that was settled years ago when XXXX either transferred to account to a debt buyer known as XXXX XXXX XXXX, or I negotiated the original debt with XXXX directly. It was over 10 years ago. So when I received this collection I called RAS LaVrar , LLC. A person claiming that he was a non-attorney negotiator trying to collect a debt. Let me be very clear, the account is years past any legal collection timeline, and I paid the debt years ago. I have no idea how RAS LaVrar LLC, a law firm with a XXXX, Florida address could have received my personal information. The agent claimed that XXXX sent my information to RAS LaVrar. Highly doubtful. 

RAS LaVrar pulled by credit report in XX/XX/2023 from XXXX. My personal privacy being violated, I believe RAS LaVrar is fishing for old debts to fool a percentage of the American public to ascertain a payment arrangement that is 100 % illegal. I did lose my cool talking to a person who is obviously trained to muscle people into debts that are long out of the legal guidelines. The CFPB needs to pull a full audit of the collection practices of RAS LaVrar. I am going to file suit in federal court for damages. My privacy has been violated and I'm certain that this law firm is breaking multiple laws both on a state or federal level. 

Damages must be paid for this serious violation. 

XXXX XXXX
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I recently deposited a check into my business account for XXXX XXXX XXXX  of approximately {$78000.00} from one of my regular payors. There is absolutely nothing unusual about the check, and it matches all other checks from the same payor that are regularly deposited to the account. 

The bank initially indicated a hold of 1 day, which is reasonable. Today, I receive an alert that the bank has placed an extended hold because they " have information to indicate the check won't be paid. '' I called the XXXX # and the representative confirmed they really don't have any information to indicate it won't be paid, and they actually have the pay out date confirmed from the payor bank. I'm just not understanding why the bank is holding funds from an agency that sends me XXXX XXXX XXXXXXXX of dollars on a monthly basis via checks. The check is dual signed by their CFO, is positive pay protected and comes on a weekly basis.
Consumer complaint received 2023-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

My interest rates are constantly increasing to a ridiculous amount. The highest XXXX is at 15.875 % and the lowest at 12.75 %. Over the last year I have paid a total of {$5800.00} with only {$540.00} going towards the principal. These numbers are right off of the information they sent me when I requested it. 

Whenever I call and ask if there is a way to get a better interest rate they say no the rate is set by the consumer " something '' which is false, the rate is set by the private lender. Then when they say they have other repayment options I inquire about those and then they say oh you are not eligible for any except interest only payments. When I ask why I do not qualify for the other programs their response is " I am not sure could be multiple reasons '' and am then told I just have to figure it out. 

I am getting XXXX help from them to actually get an affordable and FAIR interest rate. 

I have been out of school for 9 years and owe more on the loans now than I did when I graduated. This is due to whatever programs they put me in after school and the high interest rates.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

In accordance with federal credit reporting act this creditor has violated my rights, under 15 usc1681 section 602 ; states I have the right to privacy, 15 usc 1681 section 604 A, section 2 ; it also states a consumer reporting agency can not furnish a account with out written instructions. Under 15 usc 1666 B ; a creditor may not treat a payment on a credit card under a open or closed and a consumer credit plan account as late, under any purpose. 

I XXXX XXXX ; Am in need of help.

I've spoke to a number of people since XXXX trying to consolidate. I never wanted a store business card. I thought it was a membership/discount card. I never filled anything out personally. Nothing was written by my hand or agreed too. She swindled me. The stire location was XXXX XXXX  off precinct line. XXXX  ( Watch the cameras ) foregurey! I will never forget. It ruined my life. I had plans for a house with my family thru my credit. I worked hard to gain that high score. I argued over my credit report. Which was high until synchrony lowes business advantage stole that from me. I continue today to fix it. They closed my card account and continued to charge me interest repeatedly and I continued to try and work something out. Listen to the many call recordings. Thank you for your time and consideration Sincerely XXXX
Consumer complaint received 2023-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (MT)

I am writing to formally register a complaint against Midland Credit Management ( MCM ) for their unethical and potentially illegal debt collection practices. 

On XX/XX/2023, I dispatched a letter to MCM, wherein I highlighted their inappropriate tactics, notably their threats of legal action, and issued a cease and desist order. My contention is that MCM 's conduct violates sections 807 ( 4 ) and 807 ( 5 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - 807 ( 4 ) : MCM implied that nonpayment would lead to legal consequences, which either aren't lawful or they don't genuinely intend to pursue. 
- 807 ( 5 ) : MCM threatened actions that may not be legally executable or were never intended to be undertaken. 

Despite my communication, MCM failed to acknowledge or adhere to my request. On XX/XX/2023, I received two bills from MCM related to account numbers XXXX ( {$1200.00} ) and XXXX ( {$1100.00} ). Although these bills were dated XX/XX/2023, a representative from MCM, XXXX XXXX XXXX ( contact : XXXX ), confirmed they were dispatched on XX/XX/2023. XXXX XXXX, upon initiating our phone conversation, informed me that our call " may '' be recorded but failed to confirm its recording status. I, however, informed him that I was recording the conversation. It's worth noting that these bills explicitly mentioned they were from the 'pre-legal department ', which I perceive as another attempt to intimidate and coerce payment. 

Furthermore, while these debts appear on my credit report, they are marked as " in collections '' under comments, even though MCM isn't listed as the collecting agency.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery 's alleged debt, was disputed under ID theft, in 2017, at all three bureaus : XXXX, XXXX, and XXXX XXXX. I wrote them a certified letter requesting the validation of the debt, in accordance with FDCPA guidelines. They did not respond but continued to report the debt. They sent me a letter threatening legal action, and asking me not to respond if the debt was not mine ; Portfolio did none of the remedies provided by law under ID theft. 
They placed my numbers in call scammer and dialers. They ran my credit 5 times in the last year, without a debt, but rather with an alleged debt XXXX XXXX XXXX.