davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (SC)

I am furious! I have been battling XXXX for months now and thought I had reached resolution only to have XXXX not stand by its side of the resolution. I have a {$2000.00} loan with XXXX and have been fighting with them to come to a settlement given their predatory nature. At the end of XX/XX/XXXX, I spoke to Mr. XXXX XXXX. He stated the best XXXX could do for me was make the loan a zero interest loan and require me to pay {$100.00} per payday even though I stated that would be a hardship. I made the first {$100.00} payment on XX/XX/XXXX ( a day earlier than it was due ) and mailed the XX/XX/XXXXpayment ( which they claim not to have received ). To date, I have paid {$580.00}, therefore, my balance due should be {$1400.00}. My Online account shows my balance as {$1900.00}. This is 1000 % INCORRECT. I have reached out to XXXX MULTIPLE times to get that fixed with no response. My online account also shows that I owe {$180.00} per payday which completely VIOLATES the agreement I entered into with Mr. XXXX. Despite my wanting all correspondence in writing, he refused and now I see why. On XX/XX/2018, XXXX threatened me with collections stating I am {$270.00} past due. This is false information. XXXX is now lying about the status of my account. This is unacceptable business practice.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (VA)

Please reference investigation ID XXXX, I received a letter from TD Bank whereby they stated, based upon our investigation, we have determined that fraud did not occur. The letter was dated on XX/XX/XXXX. The letter was received on XX/XX/XXXX. I immediately contacted TD Bank customer service center to determine what type of investigation was conducted or led to a determination that the fraud did NOT occur. Customer service agent ( XXXX XXXX ) stated that investigation was determined based upon the proximity of the fraud and actual residence. 

I filed a police report on XX/XX/XXXX stating that the contents of my wallet were stolen from my locked vehicle while it was parked in my driveway [ RESIDENCE ]. There was no sign of forced entry. They did not take my wallet or driver 's license, and I had no cash, what they stole was my credit/debit cards. 

I received a fraud alert on my other credit card ( XXXX XXXX ) on XX/XX/XXXX, which later alerted me to other activities on my other cards which were also stolen. These cards included the TD Bank business debit card. I was working in Washington, DC at the time of the fraud. I immediately went to the closest TD Bank location on XXXX XXXX XXXX XXXX, Washington, DC XXXX. I spoke with the banking specialist, XXXX XXXX. He issued me new debit cards for my personal and business account. He was not able to dispute the charges since the transaction had not posted. It took two days for the transaction to post. I filed it on Friday, XX/XX/XXXX on  the phone with the customer service agent. I also sent the Bank Specialist ( XXXX XXXX & XXXX XXXX ) the copy of the police report, whereby they went to the fraud department Based upon the information provided by TD Bank in this letter, I find it bizarre that the TD Bank made a decision stating that the fraud did NOT occur. I am requesting that TD Bank refund the money as soon as possible and return interest on money due. I am also requesting that the Consumer Financial Protection Bureau look into TD BANK business practice in determining fraud as while as violations of Consumer Protection Laws. 

Please reference previous complaints submitted against TD BANK with the Consumer Financial ID XXXX & XXXX
Consumer complaint received 2018-10-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc (OR)

This is a business and someone named XXXX XXXX called to verify employment asking for personal information about our employee including his social security number and when we ask them who they are and what it is for they are evasive. They have called two days in a row after being told we would not provide the information they are requesting. I looked their number up online and there are multiple complaints that this company is called RNN Group and that they are shady. We want their number blocked from the ability to call and harass this business.
Consumer complaint received 2017-06-26
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: CAINE & WEINER COMPANY, INC. (IA)

There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
Consumer complaint received 2018-10-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Violation of Fair Credit Reporting Act ( FCRA ) section 611. TransUnion File Number : XXXX. On XX/XX/2018 I mailed a request for the " Method of Verification '' regarding investigation results dated XX/XX/2018. ( See attachment. ) TransUnion received my request via certified mail on  XX/XX/2018. ( See attached copy of certified mail receipt. ) TransUnion replied with a letter outlining the " investigation procedure. '' ( See attachment. ) I did not request the " investigation procedure. '' The " investigation procedure '' was already provided with the investigation results. I specifically requested the " method of verification. '' Furthermore, I contacted TransUnion via phone on XX/XX/2018 and the representative named XXXX XXXX, stated the " method of verification '' was an electronic source known as " XXXX. '' Why am I receiving contradicting information? Over the phone I'm told one thing and via mail I receive a response which does not pertain to my request. TransUnion is in violation of the FCRA section 611. " XXXX '' is not a valid " reasonable investigation '' as defined in the Fair Credit Reporting Act ( FCRA ) and a recent case in the U.S. Court of Appeals, XXXX vs. TransUnion. TransUnion is using stall tactics and sending me deceptive correspondence in order to avoid written documentation to me with the " method of verification '' for the dispute. TransUnion should be held accountable to the fullest extent of the federal, state and consumer protection laws which have been violated. cc : FTC, Florida Attorney General.
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

Equifax mentioned that they investigated the information from XXXX XXXX that I disputed and the disputed information was verified as accurate. 

Dispute : I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided. 

This is a final goodwill attempt to have you clear up my record. 

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX XXXX/XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX ) XXXX was a billing company and a creditor mentioned by XXXX XXXX XXXX XXXX XXXX 
these accounts are not mine. It must be removed immediately. 

I need what was provided to you to show the medical bills are mine. why are you believing them over me. I am disputing and they said is mine medical bills, then show me proof.
Consumer complaint received 2018-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NM)

I received a letter from M & T Bank stating that I am required to have H06 insurance coverage. I have had this mortgage loan since 2009 and have NEVER been required to have this coverage. There is not anything in the original mortgage documents that I signed in 2009, that states I am required to have this coverage. M & T bank states that " Section 5 of my closing documents states this information ''. They were also unable to clarify what page of the closing documents this is on nor were they able to provide me with a date of when I signed acknowledging and agreeing to having this insurance coverage. They did tell me if I do not get this coverage, they will obtain it for me and charge me three times the amount and apply it to my escrow. 

This conversation happened today. The phone number I called was XXXX. I spoke to XXXX XXXX ( who proceeded to call me a XXXX to her co-worker ) so I requested to speak to a supervisor. I was transferred to XXXX XXXX who is a team lead. He stated that I could reference this agreement I made in my original closing documents. My understanding is that when M & T Bank purchased the loan from the previous lender ( XXXX XXXXXXXX XXXX ) NOTHING changes from the original loan and should anything change, I am required to acknowledge those changes. This was not done nor have I signed anything acknowledging this. This appears to be a fraudulent scam that M & T Bank is using to charge more money to mortgagees escrows in an effort to make more money on existing mortgages.
Consumer complaint received 2018-10-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (OH)

I have sent numerous letters to the CEO or NCB Management regarding this issue asking for " validation '' meaning evidence bearing my signature, contractual obligations for this debt and claims of 120 past due. I have yet to receive anything from NCB. I sent a certified letter on XX/XX/18, XX/XX/18 and XX/XX/18. Each letter was signed for. I also sent a letter to the three credit bureaus XXXX XXXX, XXXX, and XXXX asking for the same information, they keep stating its been verified but haven't sent me the documentation requested showing how they verified, nothing bearing my signature or how they came up with the 120 days past due. The letters stated this had to be done withing 30 days or the negative tradeline must be removed from my credit report. They all have not done what was requested within the 30 days and have not removed the negative tradeline from my credit reports.
Consumer complaint received 2018-10-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Sent letter to XXXX, XXXX, and Experian requesting, validation of XXXX XXXX   account showing past due days. Asked for contractual obligation, bearing my signature, how they came up with the past due days. I have yet to receive anything regarding verification, yet I keep getting the same responses that the account is verified. I received a letter from XXXX on yesterday XX/XX/18 from XXXX stating that they can not find my account with the information I sent them which is the account number listed on my credit report, if this is the case how is the credit bureaus verifying this account if the account holder cant locate the account? Seems like the credit bureaus are not doing what they are supposed to do and this is a violation.
Consumer complaint received 2018-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

XXXX XXXX located in XXXX, WA claims that I owe a debt of {$120.00}, and the original debtor is XXXX. I sent a letter of dispute via certified mail to Convergent on XX/XX/2018, it was signed for on XX/XX/2018. I requested that this debt be validated by way of a legally binding contract bearing my signature. Convergent responded claiming that the debt is verified, and sent a phone bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does NOT constitute verification. 
I sent a second letter via certified mail, which was received and signed for on XX/XX/2018. Today is XX/XX/2018, and Convergent still has not responded with competent evidence BEARING MY SIGNATURE. This is a violation of FCRA & FDCPA. It is evident that this company can not validate the alleged debt, and therefore the entry needs to be requested for deletion by the credit agencies.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

My mortgage servicing company, Dovenmuehle, took over my loan after it was transferred. We have an escrow account that they are supposed to pay our homeowners insurance and taxes out of each year. We received a call from our insurance company that our policy was cancelled due to non-payment. We called Dovenmuehle and they informed us that they had only received the declarations page from the insurance on the XXXX of XX/XX/2019 and need at least 30 days to send a payment. They then promised they would overnight a payment to the insurance company to pay the outstanding bill. We called the insurance 3 business days later and they had not received a payment. At this time we paid the insurance annual premium out of our pocket. We immediately called Dovenmuehle and they informed us that they had intended to sell our mortgage last XXXX, but never did, so there was a payment hold placed on our escrow account so they cancelled the overnight payment and didnt call us. They then requested we email them the receipt of the payment we made on the insurance and they would refund us the money and that they would have the payment hold removed from our account. Three business days later we got a letter in the mail saying that they would be purchasing homeowners insurance for us because our policy lapsed and they didnt have proof of our insurance. We immediately called Dovenmuehle again and they informed us that the stop payment ticket had been closed and they didnt know why so the payment for our taxes next month might not go out either. They also informed us at first that they didnt have any proof of the insurance both our insurance company and we had provided. After asking them to look into it further, they determined they did have both the receipt of payment and the full declarations needed and would process our refund check as soon as the payment hold was removed, they could not provide a timeline for when this would occur. They also could not confirm they wouldnt charge us for the insurance they had purchased on our behalf. To date we have still not received a call as they indicated we would and we have not received a reimbursement check for the insurance.
Consumer complaint received 2018-10-26
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: Experian Information Solutions Inc. (HI)

" " '' I have disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (LA)

Dear sir or madam, I just recently paid off a to the collection XXXX agency which is sold by XXXX XXXX creditor. We both agree that the once its paid off that this would be off my credit. XXXX agreeded and is off of my credit on Experian, but if XXXX has sold my debt to XXXX then they should be on my credit as well because its paid off and account is mark satisfied. I request that all the 3 credit beureaus delete XXXX from my credit file. 

Thank you
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

they have unverifled information they have not send me verifled infomation i talk with the bankruptcy court they say they do not report to any credit burea and the court record do not report portfolio recovery associates failed to show the proper document or affavidated to me i put in a dispute to credit burea pertaining to protfolio recovery they have not send me any it been over 60 days the credit burea all ready show my document to them because i sent my document to each of the credit burea ceritifly by mail
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In early XXXX, USAA restricted my online account access preventing me from viewing all my accounts including my checking account. Since then I have not received an account statement, nor have I been sent any instructions as to how I go about moving the money in that account to another bank. I was notified the account was closed on the phone after it had already been closed, yet have not received any notices in writing as to the cause or reason for this. I have repeatedly asked for an explanation as well as instruction on accessing the money I have there with no response. It is preventing me from paying bills, accessing funds, viewing the account for accuracy or viewing my past statements which were all delivered electronically. Thus I am unable to even view my past statements. Basically USAA has decided to take my funds in my checking account including my social security XXXX check which was being directly deposited into the account. It 's been close to two months now, and they have been no help. I need my money returned and access to view all transactions for the account.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Response to CFPB compliant # XXXX. Wakefield and Associates failed to respond or validate the alleged debt. What they sent me on XX/XX/18 is not valid information to valid the debt. I NEVER signed a HIPPA release form and they failed provide me any documentation with signature or nor did they have a bill of sale. Please review Attachment. The itemaized document is not valid. 



XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Date : XX/XX/18 Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt, account number XXXX on XX/XX/18 AND XX/XX/18 Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX XXXX