davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (WI)

I received a phone message about 2 weeks ago, I did a courtesy call back and told them that they have a wrong number, no such person lives here. My answering machine clearly states that you have reached XXXX and XXXX. Pease don't call here again and the lady said she was documenting my phone number ( XXXX ) so that I would not receive further calls. Yesterday I received another phone call, I left it go to the answering machine, the number was XXXX ext. XXXX, different ext. no. from the first call. I did a return call and was upset that they should call my number again and that I would report them. I did give my number to him and I wasn't going to answer any other questions and told him that we're finished here and I hung up on him! Please help end these phone calls to my home.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

I recently applied for cash magnet from amex and got approved immediately. Since, I was receiving offer letter to apply for blue cash everyday credit card of amex for more than 2 years, I decided to apply for bluecash every day as well after 2 weeks of approving for cash magnet. Before applying, I searched on the internet and I found that the best plan is to use both combination of cash magnet and bluecash everyday together for everyday purchases and there is no constraint to apply for both. 

However, surprisingly I got declined immediately from amex for bluecash everyday! I called and explained the situation and the representative told me my account is in good shape and the only reason that I go declined was because system thought it is a duplicate application based on your current cash magnet application and that is why you got declined. As a result, we review your application manually and you would receive a call soon regarding our decision which would be your approval for the credit card! 

After 5 days, I receive a mail which is noticed me the amex abide by their decision and I am not qualify for being exception of approval for bluecash everyday! I was shocked when I read that mail as I expected to receive a call and being approved for the bluecash every day credit card! 

I called amex again afterward and I was told your application can not be approved as you already have the cash magnet credit card! 

I searched again on the internet and I could not find any policy any where regarding to not be able have both card at the same time! There are many people outside that talking about the benefits of using both card together as a combination! Also, if there was a policy I should know it ahead of applying to not allow them to pull up my credit report account! 

I need amex to review my account once again and approve my application. 

Bests, XXXX.
Consumer complaint received 2018-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc. (CA)

I wrote a letter to the collection agency agreeing to settle the debt if in return they remove the account from my credit report. They sent me a letter back stating that once the check/funds cleared they would remove it from my credit report. The Funds cleared on XX/XX/18. In my letter I requested that it be removed from my credit report within 10-15 days. This account is still showing on my credit report.
Consumer complaint received 2018-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive had XXXX XXXX account for quite some time and always made on time payments. Com to find out last payment was made a few days ago and account closed right after and my credit score dropped about 50 something points. I don't understand because i clearly was building credit history for then this to happen. It clearly doesn't make any sense. Ive been making on time payments ever since.l and to just lose points after finishing paying the account is just not fair.
Consumer complaint received 2018-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MA)

Today, XX/XX/XXXX, I received a call from XXXX XXXX ; employee from Debt Collection Agency McCarthy , Burgess & Wolfe. For the second time in two weeks, said employee has been attempting to arrange to collect an inaccurate and unverifiable debt on behalf of XXXX XXXX , XXXX On each call, the alleged balance differed. I advised Ms. XXXX, on both occasions, communication has been established with XXXX XXXX, XXXX to verify, validate and resolve the debt. Collection efforts should have ceased ; instead, she proceeded to state that collection efforts will continue. I requested a valid original instrument of indebtedness in its original form with my signature on it ; Ms. XXXX stated she will get an invoice and does not have to verify my signature is on it. At this moment, it was made clear, via Ms. XXXX own admittance, that she was attempting to collect an alleged debt WITHOUT valid documentation as per the FCRA and the FDCPA ; Federal Law. McCarthy, Burgess & Wolfe and XXXX XXXX , XXXX are both attempting to collect a debt for the same account number, with different balances. 

With beyond a reasonable doubt of information regarding and pertaining to the training, education and collection practices of McCarthy, Burgess & Wolfe, along with their employees ( which should each be held personally responsible for being unable or unwilling to comply in collection efforts of only 100 % accurate and 100 % verifiable accounts in accordance with 15 U.S. Code Sec. 1629e ( 8 ) and Sec. 809 ( b ) of the Fair Debt Collection Practices Act via NOT ignoring or overlooking physical verification of a consumer contract with their signature on it in accordance with FCRA Sec. 609 ( a ) ( 1 ) ( A ) ), I respectfully request an investigation of all accounts paid to McCarthy, Burgess & Wolfe to cease all improper collection practices. Should this matter end up in court, I respectfully request all consumers violated be reimbursed all accounts that resulted in paid status under obvious violations, like mine ; and pursue a Class Action Lawsuit for Improper Debt Collection Practices in pursuit of statutory damages plus attorney costs and any applicable fees in accordance with 15 U.S. Code Sec. 1692k (  a ) ( 2 ) ( A ), similar to the CFPB ordering XXXX XXXX XXXX XXXX to pay $ XXXX for Improper Debt Collection Acts on XX/XX/XXXX.
Consumer complaint received 2018-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My VA mortgage was recently sold to another finance company called Lakeview Loan Servicing LLC in XXXX XXXX, VA. They have added a processing fee to the loan which said if you pay between the XXXX and the XXXX there is no fee from the XXXX to the XXXX there is a {$5.00} fee and from the XXXX to the XXXX there will be a {$10.00} fee and after the XXXX there is a late fee. I have never been late on a payment but like most retired people I do not get my pension check until around the XXXX  or XXXX of the month and social security checks come on the XXXX Wednesday of the month which means every month I will have to pay at least a {$5.00} fee which will add {$1800.00} to {$3600.00} on a 30 year loan and if they are servicing say 1000 loans that is between {$5000.00} and {$10000.00} extra every month. It seems unfair to me and where is all that money going? I have also reported this to friends that I know in different mortgage companies and to the VA.
Consumer complaint received 2018-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Trans Union.  They were supposed to respond within 30 days. We they did not, we filed complaints with your organization. XXXX and Trans Union finally sent her copies of her investigation results, but I have yet to receive mine. I just don't understand what could be taking so long.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (GA)

I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use to correspond with you.
Consumer complaint received 2018-10-19
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. (GA)

I paid off the loan back in two thousand and six. recently popped back on my credit about two years ago and theyre stating I owe the loan I paid off back in two thousand six and then not take it off my credit. It is greatly affecting my credit score.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION (MS)

On XX/XX/2018 I paid an amount to settle a debt in full to REGIONS Bank, and the payment has cleared and was accepted by Regions Bank as complete settlement. A confirmation was recieved from Regions Bank confiriming via mail, email, and phone. I have reached out to Regions Bank regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely.
Consumer complaint received 2018-10-19
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. (MS)

I am a victim of identity theft. The accounts XXXX XXXX, and XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed. 

The amount states that i owe XXXX to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me! 

Please remove this account from my credit report! I cant take this any longer
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I contacted XXXX weeks ago to inform them that I never received my statement. They basically told me to take it up with the post office and never sent me a duplicate copy. In addition every day they have repeatedly called my cell phone up to 10 times and most times back to back and within minutes of the previous call. This is harassment and against FDCPA laws.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I have an account with XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. My payment due date is the XXXX of each month, of which I am making my payment on the due date every month. My account was recently compromise so I was reviewing my statements and noticed that I am being charged a {$38.00} late fee every month, even thought I am making my payment on its due date of XX/XX/XXXX. I contacted comenity capital bank and was told that although my payment is made on its due date of XX/XX/XXXX. It doesn't post until XX/XX/XXXX and is considered late. XXXX has never sent me any written literature of the numerous late fees nor have they contacted me in regards to the payments being late. I spoke with an account supervisor who informed me that they are only empowered to make one of the six late fees adjustment. I feel that this is blatant unfair business practice against the consumers and if the company gives a due date of the XXXX of the month, I should not be charged a late fee because I made a payment after XXXX on the XXXX. Can you please assist with this issue Thank you Mrs.XX/XX/XXXX
Consumer complaint received 2018-10-19
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. (NY)

In XX/XX/2018, I received a summons from XXXX XXXX law firm regarding a XXXX XXXX credit card business account that had been closed with a remaining bance of {$2200.00}. I called the law firm on XX/XX/2018 and made a settlement agreement to pay {$700.00} in exchange for XXXX XXXX reporting the account with a {$0.00} balance. The call was legally recorded for sufficient evidence. I paid the {$700.00} in XX/XX/2018 and received paperwork from the firm stating the settlement was paid in full. XXXX XXXX changed the balance from {$2200.00} to {$1500.00}. The agreement was for a {$0.00} balance. I called XXXX XXXX and disputed the with all three credit bureaus without any success at almost 60 days beyond the satisfied agreement. I will upload documents and recorded call if possible.
Consumer complaint received 2018-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

After contacting debt collector about settling a disputed debt, Agency sent me a letter in a different name that Im not known by, additionally the debt is over 10 years old. The agency claims that I still owe the debt which is in violation.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I currently have a home loan with XXXX XXXX XXXX, serviced bu Shellpoint Mortgage Servicing. My loan was originally through XXXX XXXX Bank but was sold in May to XXXX XXXX XXXX My loan is current and has never been late. I have an issue regarding PMI. It is my understanding that per the Homeowners Protection Act of XXXX, once my loan reaches a Loan-To-Value ratio of 78 %, PMI is to be automatically removed. With my most recent extra payment on XX/XX/XXXX applied to principle only, my Loan-To-Value ratio is no 77.9 % and it is my belief that I qualify to remove PMI. My most recent appraisal in the Fall of XXXX valued my home at {$450000.00}. I have been in communication with Shellpoint since XX/XX/XXXX regarding my desire to remove PMI. I realize the time has not been much since my initial communication to XXXX XXXX XXXX but I want to address this before I am charged anymore PMI and have to work on getting a refund On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that in order to remove PMI, I must meet certain conditions. As I mentioned earlier, I am current now and always have been with my payments. There are no liens on my property. There is one requirement where I believe XXXX XXXX XXXX to be in violation of The Homeowners Protection Act. There letter states that I must request an appraisal at my expense ( minimum {$400.00} ) and that my LTV ratio requirements will range from 65 % to 80 % to qualify for early cancellation. I am submitting a copy of the document I received.
Consumer complaint received 2024-10-05
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. (CA)

I request ALL information that is not consistent with All reporting agencies be removed and that any information shared without my consent ( i.e. child support agency is not a loan agency and never received any written consent from me.My right to privacy has been violated, therefore by law this and all inaccurate information MUST be removed immediately. My account has been hacked and there are multiple discrepancies and inaccurate information regarding paid off, closed accounts. This has been negatively impacting my credit for years and I request that ALL prior inaccurate information be removed immediately.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (AL)

I have as many as ( 3 ) accounts with false information on my credit reports. On Equifax, it still shows that my account with XXXX XXXX XXXX is unpaid. I got a paid in full letter from them last year stating that it was a paid in full account ( as of XX/XX/2019 ). This may or may not be on XXXX  ( I do not have an account with them ). There was also a bill from XXXX that I also paid in full in XX/XX/2019. I was also under the assumption that a collection bill from XXXX XXXX XXXX that should not have been on my credit report had been removed in XX/XX/2019 when I disputed it. According to XXXX, who I applied for a Credit Card with, it is still on my Equifax Credit Report. It wasn't showing when I logged in to view my credit report, but the fact that XXXX XXXX XXXX may not have done their due diligence to remove it, or that Equifax is still reporting this is damaging my credit score unnecessarily.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion I am writing to formally dispute the inaccurate reporting of a debt collection account that appears on my credit report under the name XXXX XXXX XXXX. The account is listed with a balance of {$850.00}, which is falsely reported as past due. I am requesting that this account be removed from my credit file in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information reported to be accurate and verifiable. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX Basis for Dispute : Inaccurate Balance Reporting : The reported past-due balance of {$850.00} is inaccurate, as the original balance of this debt was never with XXXX XXXX XXXX . Furthermore, I have noticed that every few months, the account balance is increased by {$1.00} to keep the account active, which appears to be an attempt to manipulate the status of this account inaccurately.

Failure to Provide Validation Under FDCPA : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), all information provided by debt collectors must be accurate and truthful. When I requested validation of this debt from XXXX XXXX XXXX, they failed to provide adequate validation and instead employed scare tactics, including threats of legal action. Such practices are in violation of the FDCPA, and the debt should not be reported if it can not be validated.

Failure to Meet 30-Day Response Deadline : Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), a consumer reporting agency must investigate disputes within 30 days. As of today, more than 30 days have passed without a proper investigation or correction by XXXX XXXX XXXX, and this account continues to be inaccurately reported. 

Requested Action : I request that you conduct an immediate investigation of this matter as required under the FCRA. I also request that you delete this account from my credit report, as the debt is inaccurately reported, and the creditor has failed to validate the debt as required under the FDCPA. 

Please note that under the FCRA, if this information can not be verified within the 30-day investigation period, it must be promptly removed from my credit report. Please notify me in writing once the investigation is complete and confirm that the inaccurate information has been deleted. 

I have attached a copy of complaint that was submitted to the CFPB, along with any supporting documentation related to my request. 

Thank you for your prompt attention to this matter. I look forward to your timely response.