davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Principal Group, LLC (TX)

Today I was threatened with arrest and family members harassed on a debt discharged in a bankruptcy over 10 years ago. Highly illegal. 

XXXX NP Group violates the following : a ) Harassment ( XXXX ) : A debt collector may not harass or abuse any person to collect a debt, including : ( v ) repeatedly or continuously telephoning someone ; XXXX XXXX Collection Bureau , XXXX XXXX XXXX. XXXX [ DCND XXXX ] ( collector 's immediately recalling debtor after the debtor hung up constituted harassment ) ; CALLS FROM DIFFERENT NUMBERS REPEATEDLY.. CALLS FROM BLOCKED NUMBERS. 

b ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such action is lawful and the collector intends to do the same ; ( v ) threatening to take any actions that can not legally be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy. XXXX XXXX XXXX ] ( threatening to take imminent action, where no one in the creditor 's legal department was admitted to practice in the debtor 's jurisdiction was a violation of the act ) ; ( vii ) informing the debtor that he committed a crime in order to disgrace him ; ( viii ) communicating false credit information, including the omission of any dispute by the debtor ; ( x ) using deceptive means to obtain information about the debtor ; ( xi ) failing to disclose to the debtor that the collector is attempting to collect a debt and that any information obtained may be used for such purpose ( except such statement need not be made in formal court pleadings ) ; ( xiii ) stating that documents are legal process which are not ; XXXX, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] ( officer of collection agency engaged in unauthorized practice of law in Arizona, when she signed an application for a writ of garnishment ) ; ( xv ) stating that documents are not legal process which are, or implying that no action is required relating to such legal process ; or c ) Unfair practices ( XXXX ) : A debt collector may not use unfair or unconscionable practices to collect a debt, including : File complaint against them here : XXXX Here 's the managing member of the group XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX National Principal Group LLC Current Entity Name : NATIONAL PRINCIPAL GROUP LLC DOS ID # : XXXX Initial DOS Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX XXXX
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (PA)

Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (ME)

We submitted request to be reviewed for repayment plan on XXXX/XXXX/2015 and supplied additional information on XXXX/XXXX/2015 and again opun request on XXXX/XXXX/2015 at that point package was complete and under review. Then on XXXX/XXXX/2015 I was served a foreclosure summons and complaint while I was under review for repayment plan and had not received a decision yet on that. I was under the understanding that my review would be complete first before they proceeded with the foreclosure. It appears they were dual tracking my case.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Hello, I am the co-signer for my son 's private college loan and was frequently making payments to XXXX XXXX, now Navient. To make a long story short, XXXX I called Navient to discuss lowing my monthly payments from almost {$300.00} shared amongst XXXX loans and the rep wanted to know why I was paying so much anyway. She shared that XXXX loan payment was XXXX and the other payment was XXXX. I set up automatic payments through my online banking and thought all was well. XX/XX/XXXX, I began receiving harassing phone calls from Navient telling me both loans were behind and that the agent I spoke with XX/XX/XXXX provided incorrect information. On XX/XX/XXXX I spent over an hour with Navient and was approved to be placed in an extended program to lower my monthly payments to {$140.00} twice a month for both loans until XX/XX/XXXX. I thought all was well until XX/XX/XXXX I started once again receiving harassing calls from Navient for more money and I learned that the agent who enrolled me in the extended program on XX/XX/XXXX made a mistake in my banking account number so I was removed from the program without my knowledge, which made my loans even further behind. I spoke to a supervisor on XX/XX/XXXX who assigned an agent to help re-enter me into the program and I paid {$170.00} to bring both loans up-to-date. Today XX/XX/XXXX I received a letter from Navient saying I again was kicked out of the program because the XX/XX/XXXX payment was not received even though there was knowledge their agent made the mistake. The agent requested I bring both accounts up to date and that the {$140.00} agreed upon XX/XX/XXXX was incorrect. She offered to put me into another program but wanted me to bring the loans current. At this point, I 'm afraid to do anymore business with Navient due to all the incorrect information provided by the agents. This agent even told me that the previous agents I spoke with maybe no longer works for Navient and that they did n't have the proper authority to place me in any programs ; possibly they no longer works for the company. Something shaddy is going on with this company and I am reluctant to do anymore business with them until somebody looks into their practices. I would like to for once speak with someone about my payment options to bring my loans back in good standings but I 'm afraid to do business with Navient.
Consumer complaint received 2015-05-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meade & Associates, Inc. (OH)

I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.
Consumer complaint received 2024-11-23
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. (IL)

I am writing to formally request the blocking and deletion of all accounts listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit and personal information. Please find the particulars of the accounts I wish to be blocked and deleted : Accounts : 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I have had trouble applying for credit in the past so I have recently taken multiple steps to amend any and all outstanding issues. I found that I was able to obtain an error-free report, indicating my non-existent credit history from both XXXX and XXXX. Experian, on the other hand, has been very problematic with sending me an accurate report. I began running into trouble when I went to check my credit score and saw that there were inconsistencies between the infomration I provided and what was on their report and when making an effort to apply for credit through my bank, so I sent a request to Experian for a full report. After processing my request, I received a credit report from Experian which states entirely false information about my credit history ; there are loans and bank accounts from multiple states shown on the report which do not reflect any accounts that I currently have or locations where I have ever resided. Additionally, all telephone numbers, multiple addresses/former or currently employers and the provided social security number variation depicted are not correct. I have disputed the claim and made multiple calls to Experian in an effort to remediate these issues to no avail. In the process of disputing the report, I was sent the same form multiple times asking to provide forms of identification/bank statements to prove my identity and after responding to Experian twice with the required information, I still received the same form. I have the report attached for reference. Please let me know what can be done to rectify these issues.
Consumer complaint received 2015-09-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX of 2013 I applied for a " Sony '' card with Capital One after watching the TV show XXXX. I was going to have a XXXX in up coming XXXX and I was going to need a new recliner to assist me in the first month or so of healing. I was grateful for the card and there was no interest for the first year. 
My first several payments were substantial, and they almost immediately raised my credit limit from {$500.00} to {$3500.00} within two or three months of my making payments well over the minimum. 
Now I live on a fixed income and this card was tempting to have because many months I have to resort to using the food bank just to have enough to eat each month, so I used the card, and I used it often. Now my balance is over {$3000.00}, but I have managed, with the help of taking in a boarder to increase my income and therefore continue to make hefty payments every month. They are XXXX, XXXX and sometimes XXXX times the minimum required. My interest, once it began to kick in is 24.9 %, yet I keep making the big payments. It is hard to get the balance paid down to a reasonable amount because of this hefty interest. I have called XXXX times in the last almost two years, trying to get them to lower the interest rate, but each time they tell me no. They tell me that the interest rate only goes down with " special offers '', yet in the almost two years I have had this card and been paying huge payments, I have never been offered a lower interest rate. 
This company is raking in XXXX, yet they ca n't lower my interest rate from 24.9 %? I am on social security and only earn $ XXXX month. In the winter, when my heating bill rises to over {$200.00}, my average cost of living per month goes from just over {$770.00} to well over {$920.00} and that leaves very little for gas and groceries. I also receive food stamps, but for some reason, I only qualify for {$15.00} in assistance, so that is not of much help at all. 
Why wo n't this company reduce my interest rate? I have proven that I can make adequate payments, even on my limited income, yet they refuse to decrease their profit margin made on the back of some poor XXXX retired XXXX. I think it sucks ... ..but it sure seems to reflect the greed and avarice that permeates the climate of this country as of late. 
It will take me years to pay this off at this enormous interest rate.
Consumer complaint received 2015-04-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

my name and credit info was given to this company named Collection Professionals by a XXXX XXXX. I spoke with this company who refused to rectify this debt by way of giving it to the responsible party. i paid the XXXX dollars because i was threatened by this company that they would report it on my credit. This debt is not mine. They even put a XXXX, illinois address on my file which i never lived in XXXX, Illinois. I never agreed to this debt or signed my name to approve any services from a doctor or this company.
Consumer complaint received 2015-05-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: UNITED GUARANTY CORPORATION (FL)

Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called XXXX. The next morning I called them, they claim to be collected for a company called United Guaranty XXXX Lien and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to United Guaranty XXXX Lien, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither United Guarantee nor XXXX is taking responsibility for adding that mark on my credit report. XXXX XXXX XXXX is asking me to pay them 22000 to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.
Consumer complaint received 2015-05-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX has continued to contact us after we told them that the person they were trying to contact was not at the number they were calling they called us XXXX times within one hour on a sunday XXXX we advised them if they continued to call we would file a complaint the names of the persons that called us were XXXX XXXX and the XXXX time the person was very hard to understand very poor english XXXX XXXX we believe
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MB FINANCIAL, INC. (GA)

My roof got damaged by wind. XXXX XXXX insurance issued a check to me to replace the roof. The check needs mortgage company MB Financial endorsement. I sent the check to them and MB Financial deposit check on XX/XX/2015. I submitted all required document to MB Financial XXXX/XXXX/2015. MB Financial still hold the check. Without their check I can not hire roof contractor to fix my roof. XXXX XXXX has already approved and paid the check. But the XXXX XXXX check is still holding by MB Financial for more than 6 weeks. 
I need MB Financial to send me the check as soon as possible to fix my damaged roof.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Linebarger Goggan Blair & Sampson LLP (OH)

I was sent a letter from a law firm in XXXX, stating that I violated a statute in XXXX County, Florida. I live in XXXX, Ohio and have never been in XXXX County, Florida. The law firm is Linebarger, Goggan Blair and Sampson. The letter was sent from a XXXX XXXX, who is not an attorney registered in the State of Ohio.
Consumer complaint received 2024-09-02
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-02
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. (NV)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA has blocked access to online website as well as closed my checking and savings as well as prohibited me from opening new ones. They have picked an arbitrary date for me to be able to get out of punishment for executing my constitutional right to file Chapter XXXX. The further discrimination and harassment for such a long time following a major financial decision is intolerable. The XXXX-year time-out that USAA puts in place is nonsense and prohibitive to people trying to maintain or re-establish their financial lives following the major decision to file Chapter. USAA 's practice of this method of punishment to the military community it serves needs to be addressed. I had no choice but to file for Chapter after my divorce or face financial ruin. I can not even have a savings account. It is absolutely absurd. No other bank does this and thankfully XXXX XXXX XXXX has been a wonderful plan B, so even if I can switch I do n't know that I will because of how USAA treats their customers.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (NJ)

My account was sent to collection I settled and paid the balance on the card on XXXX/XXXX/2016 with XXXX XXXX. When I contacted this company on XXXX/XXXX/16 I was told that they would send a letter out stating that the balance was settled and satisfied however that they do not update the credit bureaus American express does this and was provided with a telephone number of XXXX. I contacted American Express to speak with a young lady named XXXX who stated to me that I paid the on the account after my statement closed. When asked when my statement closed I was told XXXX XXXX, 2016. I made the payment on XXXX/XXXX/2016. Then she goes to states that the code for the settlement was not entered into the system as of yet. We are 3 weeks into me paying this company and you mean to tell me that my account is not updated. I want this problem fixed IMMEDIATELY and removed off of my credit with all XXXX bureaus.
Consumer complaint received 2024-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-dXXXX late payment in XX/XX/XXXX. 
60-day late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both TransUnion and XXXX, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting. 
Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX