davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TX)

Complaint filed on XX/XX/XXXX with company - they continue to send me collection letters. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. 

The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX ( approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. 

Former complaint number : XXXX Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (MA)

I keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.
Consumer complaint received 2017-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IN)

I am filing a complaint against XXXX XXXX XXXX. A credit card was opened with XXXX XXXX XXXX on XX/XX/XXXX. The credit limit was {$400.00}. The date of my last payment was XX/XX/XXXX. I encountered financial hardships shortly thereafter and was unable to continue payments. The actual charges I put on this account were below the {$400.00} limit ; however, when this account was closed, only 5 months later, XXXX XXXX XXXX  had almost doubled the original balance by adding on predatory fees and penalties inflating the balance such that on the date the account was closed ( XX/XX/XXXX ) the balance was {$700.00}. They then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX, the original creditor, has already been paid for this debt and as such, XXXX XXXX XXXX has no right to request this debt be paid for a second time. In addition, XXXX XXXX XXXX is now inflating the debt even more, requesting an additional {$280.00}. The current balance they are saying is owed is {$980.00}. This is pure exploitation. Now XXXX XXXX XXXX is attempting to garnish my wages to coerce me and entrap me into paying for these unscrupulous business practices. It has been nearly three years since the original debt. XXXX XXXX XXXX has recouped any loss they might have had through tax write offs and compensation from selling the debt. XXXX XXXX XXXX has no right to collect {$980.00}. I never ventured into any contractual agreements with them and therefore their actions are malicious, nefarious and full of corruption. This is a common tactic used by XXXX XXXX XXXX that has been used against friends of mine and various customers. They must be stopped from using these habitual, corrupt and unethical business practices. XXXX XXXX XXXX has two other related entities that they bounce these debts back and forth among to avoid justice and so they wo n't get caught and to keep the government regulation agencies off balance.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TN)

I had contacted this company XXXX XXXX to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I was sent an unrequested credit card ( XXXX XXXX from Capital One. Upon checking with XXXX, Capital One inquired my credit report on XXXX XXXX, XXXX ; I received the unrequested card on XXXX XXXX, XXXX. I have NOT contacted Capital One since a phone call may inadvertently " activate '' such card which I do NOT want.
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Grain Technology, Inc. (TX)

On XX/XX/ I reached out to start negotiations to settle charge off, on XX/XX/ I received a response and was offered a payment plan I accepted. Took a couple days to set up and was imminently charged via my XXXX for the first installment of the payment of 3. I reached out to the person that was emailing me to get a copy of the documents signed for my records. On XX/XX/ I received and email saying I chose the wrong settlement however I was given 2 options, and they stated that I should of paid more attention to the documents as they dont have copies of what was signed. 

I dont feel this is the complete truth due to the fact that they wanted me to take a different amount, and dont want to honor the contract signed for 3 installments to settle chargeoff.
Consumer complaint received 2023-10-10
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MA)

I am being sent emails, about new amounts, with interest charged without providing the details of the debt. Why do I owe this debt? 

I have sent a written notice requesting all the details but have not received anything official. 

I have received an email with random numbers on a paper with no evidence that I owe this debt and I'm being charged interest on this. 

Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA.
Consumer complaint received 2023-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/ I attempted to make a payment total of {$320.00}. The payment was received and reversed on the same date without notice. No payment was made and no notification was sent that my email that the payment reversed. On XX/XX/ I checked in on my payment status and noticed my XX/XX/ payment wasnt completed. On XX/XX/ I attempted to make an {$640.00} payment, again the payment Was received and reversed on the same date without notice. The process is setting me back on payments while they continue to increase.
Consumer complaint received 2023-11-08
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. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD. As it has stopped my son and I from getting proper shelter, a car and employment. I am demanding these items be deleted IMMEDIATELY! 


This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX deposited XXXX checks from a settlement {$4100.00} & {$2700.00} Next day they put my account on hold. Saying i will be receiving a letting the mail for the funds. When i deposit the funds it told me it will be available next day but i woke up to a locked account. Debt card off & online access cut off. 
When i got the letter it told me my funds will be available on XX/XX/XXXX. On XX/XX/XXXX i called it they sent my account to review ( it's no way to to contact the back office they only email them ). They said i should be getting another letter in the mail. I got the XXXX letter and it told me my money won't be released until XX/XX/XXXX. Due to they think it's a fraudulent check. I went to the branch to provide the settlement documents & proof of the checks. They said it's nothing they can do because back office locked the access to the account. I spoke to XXXX person they told me best option was to speak to my lawyer to have them stop payment the checks and reissue a new one. When i contacted my lawyer to contact the people I sued the other party stated the funds have been already cleared out their account it's my bank that's not wanting to clear the money. When i called back the XXXX told me they think the money is going to bounce back that's why they didn't release your money although it cleared. It's been a month. I even try to set up a conference call with my lawyer their lawyer and the other party so they can clear my checks they said they will not speak to nobody that i have to wait until they feel like reaching out again. The checks have now been cleared from XX/XX/XXXX with the proof attached from the other party showing the checks cleared on their end.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

I have been having chronic issues with my mortgage company for the past 4 years or so. Their name is New Penn Financial, based in XXXX, Pa. Occasionally I will send them extra monies with my monthly mortgage payment to be applied to the principal. Sometimes they apply this money to my next months payment. This is both against the law and their own company policy. I feel that they do not want me to pay off my mortgage early. I have complained in the past and have been told that it would not happen again. So far, it has happened more than 5 times. I feel very frustrated and hope you can help me.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I established an online account with PayPal on XXXX XXXX, XXXX. Shortly after, I was informed that my account had been temporarily limited on XXXX XXXX, XXXX, and was requested to provide additional information to verify my identity. I complied - and provided a copy of my U.S. passport, only to be told that PayPal had decided to close my account due to some " security issues ''. This is ridiculous - I 'd been using the account normally and PayPal could n't even provide an explanation to justify its decision. The reference number for PayPal 's request for my identification is : XXXX XXXX.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (WA)

I noticed a fraudulent charge on my account for {$30.00} from XXXX XXXX XXXX. I notified Barclays via mail that the charge was fraudulent. Barclays refused to remove the charge. I then noticed another charge for {$30.00} from XXXX XXXX XXXX. I notified Barclays again via mail, and requested the account be closed. Barclays closed the account but refused to remove the fraudulent charge. 

Due to a XXXX I do not communicate effectively via phone. I have requested that Barclays contact me via mail, or email, only regarding this matter. However, Barclays has not responded to this accommodation request.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-11-07
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. (FL)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (RI)

Our mortgage was sold to roundpoint mortgage, including the auto payment details. All payments were made on time, yet the mortgage company reported us 60 day delinquent on the mortgage. this has caused our credit report to nose dive just as we are in the middle of closing on a new house. I understand that some loan data might be missing for a month or so when a mortgage is sold. But outright saying that we missed payments is downright criminal because it is going to cause us a huge hardship if we are unable to close on the new mortgage.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

Reporting late payment on XXXX. In accordance with the Fair Credit Reporting XXXX XXXX hqsinlated gab fighter oder o USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit