davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC (GA)

I, XXXX XXXX XXXX, am the son of XXXX XXXX XXXX and XXXX of the successors in the interest of the loan. XXXX XXXX XXXX, as a consumer and creditor, issued her credit card ( 15 U.S.C. 1602 ( k ) ) to XXXX XXXX XXXX, a consumer credit transaction was completed on XX/XX/XXXX, an extension of credit was granted, which created an account with XXXX Mortgage XXXX and pursuant to 18 U.S.C. 8, the bills/coupons are the obligation and responsibility of the United States , fully paid for the property at address XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX, for personal, family and household purposes. XXXX XXXX  XXXX disregards 18 U.S.C. 8 and persistently uses mail monthly in attempts to collect debt ( mortgage payments ) via the mortgage address. XXXX XXXX  XXXX claimed via usage of mail for the purpose of collecting debt ( mortgage payments ) that documents were mailed per requirement of the Fair Debt Collection Practices Act. 1. McCalla Raymer Leibert Pierce , LLC, on behalf of XXXX XXXX  XXXX, disregards 18 U.S.C. 8 and via usage of mail, attempts to collect debt ( mortgage payments ) at the mortgage address is harassment, abusive and oppressive. 2. McCalla Raymer Leibert Pierce , LLC 's use of " borrower '', " loan '' and amount of {$4600.00} is a false, deceptive and misleading representation that runs the risk of repayment of the property that has been fully paid for. XXXX. McCalla Raymer Leibert Pierce , LLC stated that if a payment of {$4600.00} is not paid by XX/XX/XXXX, then a foreclosure sale will proceed, is a false, deceptive and misleading representation that also runs the risk of repayment of property that is fully paid for. 4. McCalla Raymer Leibert Pierce , LLC on behalf of XXXX XXXX  XXXX, via usage of mail for the purpose of collecting debt, failed to disclose within their mail that they are a debt collector attempting to collect debt, is a false, deceptive and misleading representation that runs the risk of confusion and misunderstanding. 5. XXXX usage of mail for the purpose of collecting debt, McCalla Raymer Leibert Pierce , LLC 's threat to sell the property in the non-judicial foreclosure state of Georgia is an unfair practice that invades privacy.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (VA)

I have had an active installment account with XXXX 's Applicances for a furniture purchase since XXXX of XXXX and have since satisfied my account in full in XXXX of XXXX. My account has been in good standing the entire until XX/XX/XXXX. XXXX 's furniture inaccurately reported a XXXX, XXXX, XXXX, 120 day late payment to all three credit bureaus ( XXXX, XXXX, XXXX ) from XX/XX/XXXX- XX/XX/XXXX despite being enrolled in XXXX. I contacted them and the first reason I was given was that auto pay only last for 6 months at a time, something I was not made aware of at the time of set-up. I also only called twice throughout the entire length of the loan to set-up autopay so this can not be accurate either. The second reason I was given by a second person was because my account was not in good standing in XXXX so they reported all the late fees in the end.The third reason I was given was I set up XXXX automatic payment with a representative in XXXX or XXXX to finish the life of the loan however XXXX 's claims to have received a payment for each month from XX/XX/XXXX - XX/XX/XXXX except for XX/XX/XXXX. I contacted my bank and they have no record of any such attempt for XXXX of XXXX. They also did not attempt to contact me in anyway in XXXX in XXXX or any time afterwards regarding any kind of late payment. The last communication I received from them regarding any kind of late payment was in XXXX of XXXX which prompted me to call them and set-up the final automatic payment arrangement. 

XXXX 's Applicances ' lack of centralization of records and communication forces their hand into predatory behavior of the consumer and credit reporting. They are not transparent about the duration of automatic payments, they do not consistently contact the consumer regard account issues and they report inaccurately to the credit bureaus. After speaking with them, providing bank statements and satisfying my account, they will not correct the inaccurate credit reporting.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt. 
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My husband, XXXX XXXX  XXXX  XX/XX/2022. The XXXX Capital One account was paid in full in XXXX of this year. XXXX XXXX had charged {$65.00} to his account while he was in XXXX and they refunded it back to Capital One shortly after the account was paid in full. I verified with Capital One that they had received the credit back to his account over XXXX months ago. I am still awaiting the refund check to me. There is absolutely no reason for them to keep my funds this long. I appreciate any help you can give me.
Consumer complaint received 2023-07-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CO)

I've been attempting to pay a debt since XXXX. So far four different debt collectors are using the same tactics, but I have only gotten proof of the last one. They send a letter saying we will accept $ XXXX for full resolution of the debt. This is then paid in full, and then they take that amount off of the debt, wait two years, sell it to another debt collector and then repeat the process, changing the amount by whatever percentage they want, adding on fees, or whatever else they want to do. It becomes a never ending cycle of you owing debt that you've already paid. I have proof of the last company that attempted to do this to me. The PDF password is XXXX and was password protected by them. If you need any additional information, feel free to email me at XXXX or XXXX. Or SMS/text me at XXXX. 

The companies involved in this exact same scam are as follows, but I only have proof for the first one that I've attached. This has been ongoing for 8 years. 

Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXt ( XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) I believe that the debt being sold to these debt collectors may have been potentially a knowing party that purposefully does not keep the records of debt collectors and " waits '' for their responses that never comes. 

XXXX XXXX University XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-02
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: EQUIFAX, INC. (PA)

I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

This is my 3rd complaint on Columbia Debt Recovery with filing complaints of false practices and also adding interest to a debt they have not fully verified, CFPB this company knows that if they respond with any information you will close the complaint and this is not correct and Lawful. This company is not able tp operate in my state yet alone require for me to pay for debt that they are not able to prove. 

Columbia Debt Recovery is not accredited as a business according to the XXXX and their licensing to operate is not correct along with being expired. They are using different names to operate and business using business that no longer have association with them to harassing 's me asking for a debt to be paid that they have not fully verified. 

I am also going to contact my Attorney general Office in Arizona of their false business practices. They have responded to me with yelling and raising their voice which I will attach proof of everything I am mentioning. I asked them multiple time to remove this debt and stop adding interest to something they can not verify. This is a 3rd party company that bought the debt and did not disclose how much they paid for it along with if they have the legal rights to collect on this debt. 

I will make this public and will like for the CFPB to do a full investigation on the false practices. I have my rights and take my credit profile serious
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I initiated a Bill Pay via Capital One 360 for the purpose of submitting earnest money in for a home purchase. The Bill Pay portion of the Capital One 360 website indicated the payment would arrive via check on XX/XX/XXXX. The payment was delivered 3 days later on XX/XX/XXXX. The late payment resulted in a delay of the closing due to the funds not being available to use against reserve requirements, mandatory for a home loan closing. When I spoke with Capital One they blamed it on a 3rd party Bill Pay company and explained it was not guaranteed to arrive on XX/XX/XXXX, when in fact the website showed the payment as " delivered '' on XX/XX/XXXX. Given this error and impact on the home loan close, we requested the funds be expedited back into the account as soon as possible. Despite several conversations with supervisors and escalation teams, Capital One 360 was unable to complete the stop payment and re-deposit the funds prior to the home closing. Several supervisors worked on the issue, ultimately resulting in the funds returning to the account ~3 business days after the initiation of the stop payment.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IN)

I XXXX XXXX have a collection placed on my credit report with Hunter Warfield Inc a debt collection agency located in XXXX FL. I have never opened an account with this corporation and they have failed to provide me with the proof of debt. It was placed on my credit report on XX/XX/XXXX for the amount of {$2400.00}. I have been hindered in opening credit lines in purchasing a new vehicle because of this negative information reporting on my credit report. I am including tracking numbers that proves Hunter Warfield Inc has received my dispute via USPS. # XXXX this letter was delivered to Hunter Warfield Inc on  XX/XX/XXXX. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-01-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (PA)

This complaint is to inform you that I recently viewed my credit report and noticed a collections account from Trident Asset Management on my credit report. I have n't been notified of this collection. On XXXX XXXX, 2017, I sent a certified, return receipt, Debt Validation letter to Trident Asset Management. I advised them that I recently viewed my credit report and noticed a collections account from their company and I have n't been notified of this collection. I stated that this did not imply that I refused to pay this alleged debt. Rather, I would like to dispute their claim. As per the FDCPA, I have the right to request a validation of this debt. I requested for them to prove that I am indeed the party who is by contract obligated to pay off this debt. Reporting any invalidated information to major credit bureaus may constitute defamation of character as a negative listing on my credit report does not allow me to enjoy the benefits of good credit. Non compliance of this request Is likely to put their company in serious legal trouble with the Federal Trade Company ( FTC ) and other statewide agencies. 

I requested that they send me the following documents : 1. ) Agreement with their client that authorize them to collect on this alleged debt. 
2. ) Agreement that bears signature of the allege debtor wherein promises to pay the creditor. 
3. ) Complete payment history on this account to prove that the debt amount they wish to collect is correct. 


I receive a letter from them dated XX/XX/17 advising that I have 30 days to dispute the validity of the debt. The following week, I received a copy of an old XXXX bill from Trident Asset Assessment. An old bill does n't validate and/or prove that this alleged debt is mine. I 've since sent a method of validation letter to the credit bureaus. I 've requesting the information used to " validate '' this alleged debt as a copy of a bill does NOT validate a debt. 

Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the validated proof then they must remove these accounts from my credit report.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that Experian, XXXX and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.
Consumer complaint received 2018-05-08
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. (TX)

I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXXXXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXXXXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OXXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AC AutoPay LLC, Denver, CO Branch (CA)

On XX/XX/XXXX, I responded to an advertisement on XXXX XXXX from AutoPay to refinance my vehicle at 3.52 % for a 60-month term. The ad suggested that I would see my available rates upon completion of a short application. However, upon completion, I received no rates. Eventually, I received several emails congratulating me on my approval. However, no rates were provided. 

It's important to note that this application resulted in a hard hit against my credit report causing a small drop in my overall FICO score. 

On Saturday, XX/XX/XXXX, I received a text message ( uploaded ) from an associate of AutoPay informing me that they could not beat my current 4.87 % loan and suggested I needed to change the terms of the loan or remove someone from my loan. I assumed he meant my wife. 

Today, XX/XX/XXXX, I received a text stating that removing my wife would not improve the rate and, in fact, rates had gone up. However, when reviewing XXXX XXXX, they are still promoting the same 3.52 % rate ( image included ). 

This entire experience feels like a classic bait and switch and is very misleading.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Lender Inc (MD)

XX/XX/XXXX My complaint is being filed against : Self Lender.com XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX To whom this may concern : I have contact the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 

I spoke to Self Lender and we agreed to close my account because my employment was not stable because my store was closing on XX/XX/XXXX. Self Lender sent my deposit check back to me minus fees and 4 days ago closed my account and You incorrectly posted my account has 60 days late and closed. 

Self Lender has ruined my credit score, My XXXX score dropped from XXXX to XXXX   in one day. 
My XXXX score dropped from XXXX to XXXX in one day. 

I am contacting the CFPB and filing a complaint. 
I sent Self Lender an email this morning and have not heard from Self Lender yet. 
I am seeking the Self Lending account removed from my credit report and my score updated to reflect my previous score. This has been a terrible experience. I thought Self Lender would help increase my score not destroy it. 

Thank you CFPB for you assistance in this matter, Thank XXXX for you helping consumers. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Maryland XXXX XXXX XXXX
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (DC)

Nelnet is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.