davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (IL)

I am writing to formally lodge a complaint regarding harassment by a collection agency, which has been pursuing me for a debt that is not mine. Despite my attempts to resolve the situation directly with the collection agency, they continue to contact me and attempt to collect the alleged debt, which I do not owe. I have never incurred this debt, nor do I have any record of this obligation. I have requested documentation to verify the debt, but the agency has failed to provide any valid evidence linking me to this account. 
Despite my efforts to dispute the debt and request that the collection activities cease, the agency continues to harass me through phone calls and letters causing significant stress and frustration. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment and requires agencies to cease contact upon dispute of the debt. I have informed the agency in writing that I do not owe the debt and have requested validation as per my rights under the FDCPA, but they have not complied with my request. I kindly request the CFPB to investigate this matter and take the appropriate action to ensure that this third-party collection agency ceases all harassment. I am also requesting that this false debt be removed from any reports or records associated with my name. I trust that the CFPB will assist me in resolving this matter and prevent further unlawful actions by this collection agency. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

In XXXX XXXX XXXX, I posted a review on the TD Bank app in the XXXX XXXX XXXX stating that in both the app and the website, it would not allow me to pay off my current balance ( to pay off the card ), and would give me an error message : " We apologize for the inconvenience. Thanks for your patience. Please try again in a little while '' They responded saying : " Hi, thank you for taking the time to share your feedback! We deeply respect your advice, and will forward your feedback to our Product team in order to provide you the experience you come to expect. Thanks! - XXXX  '' However, they never resolved the issue, which has been happening all this year ( 2024 ). Today, I am trying to pay off my card, but it won't allow me to submit a payment at all. I tried both the app and the website, so I know the issue is not on my end. It seems they are not resolving this issue even though they have been aware of it for months.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (FL)

I am filing a formal complaint against Early Warning Services , LLC, for refusing to provide me with a copy of my consumer report, despite my multiple requests. As mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811682, they are required to furnish this report upon request. Their refusal violates my rights under the FCRA and prevents me from accessing and verifying the information they hold about me.

Under 15 U.S.C. 1681g ( a ), consumer reporting agencies must disclose all information in a consumer 's file upon request. My right to access this information is a crucial aspect of the FCRA, which protects consumers ' ability to ensure the accuracy and fairness of their credit information. However, Early Warning Services have repeatedly ignored my lawful requests.

Additionally, 15 U.S.C. 1681 ( b ) underlines the purpose of the FCRA in maintaining the accuracy, fairness, and privacy of consumer information. Denying access to my reports prevents me from identifying and correcting potential inaccuracies, undermining the very intent of these protections. 

I request that the CFPB take immediate action to ensure that Early Warning Systems provide me with my consumer reports without further delay. My preferred method of receipt is by email at XXXX, or, alternatively, by mail to the address listed on my government-issued ID, which I am prepared to submit upon request. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XXXX : XX/XX/XXXX XXXX XXXX  XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CT)

I am reporting what I believe to be predatory lending practices committed by Shellpoint, a division of Newrez LLC, formerly known as Specialized Loan Servicing ( SLS ). Shellpoint claims to have a policy regarding ordering checks ( for the HELOC ) that you are only allowed to order five checks at a time ... and that when you order new checks it voids any unused old checks. I am doing an extensive project that will require more than XXXX checks and I want to be able to use my HELOC when I want to. They are encouraging that you write bigger checks than you need to... which pays them more money. They make the process to get checks unreasonably difficult. And when I request further information on this policy they make it unreasonably difficult to obtain. In addition, when I closed on this HELOC last XXXX, they wired the full amount of the HELOC ... .and said I was not allowed to make payments for the first 30 days ( incurring additional interest ). Then when I paid it off... it took an unreasonable amount of time to get checks that they cancelled. 
They operate very inconsistently and in a predatory fashion. I'm considering engaging attorneys for a class action suit against them and would like to further this conversation with the regulator. Thank you for protecting consumers. It means a lot to me and I'm willing to give time to the CFPB to help others.
Consumer complaint received 2024-08-06
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. (LA)

XXXX with a balance of XXXX charge off XX/XX/year> sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed.I am requesting the issuance of a XXXX form for the charge-off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and Code XXXX U.S.C. XXXX ( b ), income that has been reported to the IRS via a XXXX can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. This account was taken as a loss when transferred to the a XXXX party XXXX XXXX. I am responsible for filing this account as income on my tax return and it is against the law for a creditor to take a loss and show this as charge off on a consumer credit report.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  : {$870.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (NJ)

On XX/XX/year>, XXXX bank, with whom we have maintained an account for nearly XXXX years, sent an email notifying us that they had frozen our account due to over XXXX virtual cards that were left open. They requested a detailed business description along with past invoices as part of this abrupt and unprecedented decision. Be mindful that this is XXXX XXXX XXXX account- not a fresh business - meaning it already went through all the checks. 

We only discovered this email on XX/XX/XXXX and promptly complied, providing the requested invoices. On the same day, we contacted the bank to clarify their policy on virtual cards. A representative informed us that the maximum number of virtual cards permitted is XXXX active cards at any time. Upon learning this, we explained that any breach of this limit was purely accidentalunused cards were inadvertently left open due to an internal oversight. Nonetheless, the bank assured us they would escalate our case to the compliance team. 

However, rather than resolving the matter after I ( the business owner ) personally offered a clear and reasonable explanation over the phone, the compliance team responded with yet another intrusive demand : they now required access to email communications between our company and our clients. This level of scrutiny is unwarranted and a gross invasion of privacy, especially for a simple administrative oversight like failing to close unused virtual cards. 

Not only has the bank withheld our funds without immediate reinstatement following our explanations, but they are also actively probing into sensitive internal communications. Such actions demonstrate a grave disregard for the trust we placed in this institution over the past two years. This response is entirely disproportionate and unacceptable.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I am filing this complaint regarding Portfolio Recovery Associates ( PRA ), which has failed to properly validate a debt they claim I owe. Despite my request for validation, PRA provided only a notice of the accounts sale and did not include the original signed agreement, an itemized breakdown of the debt, or proof of ownership. This documentation is required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), to validate the debt properly.

PRAs continued attempts to collect this unvalidated debt are also misleading and may violate 15 U.S.C. 1692e and 1692f. I am requesting that the CFPB investigate PRAs practices, as they have refused to cease collection efforts despite my repeated requests for proper documentation. 

Court case resolved in the case disposition : Dismissed By XXXX XXXX XXXX
Consumer complaint received 2024-11-02
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: Collection Management Holdings, LLC (VA)

I asked 'Credit Management Company ' to validate the debt. I asked original debt collector 'XXXX XXXX XXXX to validate the debt. Neither could do so. There were two previous collections agencies involved : 'XXXX XXXX XXXX ' and 'XXXX XXXX XXXX ' . I have never received any correspondence from any of these agencies.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I am a LONG time TD Bank customer. I've been with the same branch in XXXX XXXX, NJ since it was XXXX XXXX. Probably almost 30 years now. 

Their fees are ridiculous. It's like we pay for the convenience of 7 day banking by their fees. {$35.00} for overdraft on checking, a {$15.00} MONTLY fee for my savings. I'm trying to put away about {$20.00} a week to grow a small cushion, and being charged $ 15 monthly is just preposterous. 

It's really disappointing and even discouraging- especially as an almost 30 year customer! 

Savings acct ending XXXX just keeps getting walloped. They have to stop the madness. I guess they forgot a loaf of bread costs upwards of $ XXXX depending what store you go to, a dozen eggs $ XXXX, gas at $ XXXX for REGULAR, come on. Why does the American banking system have to XXXX us when we're already robbed??????????
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (AR)

I got a letter on XXXX from Midland Credit Management stating that I owed them on an account that I had already paid off prior ( proof in the pictures down below ). But, as I was reading the letter, I noticed that there were many violations, XXXX to be exact, and probably more if I took the time ( letter with violations marked below ). I want any correspondence to be done by mail.
Consumer complaint received 2024-11-11
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: Atlanticus Services Corporation (RI)

I supposedly signed up for a credit card in 2021 called Aspire. I NEVER DID. I have been trying to get this wiped from my credit report for years now and each time the case gets closed with the card company in favor. The fact of the matter is this .... I spoke to Aspire " Fraud Investigation '' and they confirmed that this card was NEVER received NOR was it EVER used. The balance they are trying to collect from me is completely unethical and is supposedly 100 % fees!!! If I never received the card, HOW AM I LIABLE?! Not to mention that I never signed up for it to begin with. I can't get XXXX to resolve this for me as the card company keeps saying I owe and that XXXX XXXX XXXX is now the collector for this account which makes no sense at all seeing as though THIS IS COMPLETELY FRAUDULENT IN EVERY WAY. Beware of Aspire. They will ruin your credit report and you'll never get a resolution.
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Credit Acceptance sold me a XXXX XXXX worth XXXX of what it's worth. A {$8000.00} truck for close to {$30.00}, over the tn limit at 28.97 % charging me {$4000.00} for insurance on mechanical breakdown then when it broke down 2 months later it had to many miles for the insurance they said
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I opened an account with TD bank, apparently someone tried fraud on my account. So the account was closed. I had a XXXX payment sent to my number which was sent to that account. And TD would not send me the payment or allow me to access those funds.
Consumer complaint received 2024-09-18
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. (GA)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : XXXX Date of Inquiry : XX/XX/year> Account name : CXXXX XXXX Date of Inquiry : XX/XX/year> Account name XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX of Inquiry : XX/XX/year> Account name : XXXX  Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX Date of Inquiry : XX/XX/year> Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

I noticed from Credit report FICO that on XX/XX/year>, there's a hard inquiry from credit report under Nordstrom/Bank XXXX I suspected someone used my information to apply credit card through the bank. 
On XXXX XXXX, according to XXXX, there's no new credit card - Nordstrom found yet under my credit report, except the hard inquiry which they removed it. 
I tried to contact Nordstrom to find out but no luck. But I have already freeze my credit on XX/XX/XXXX to avoid further fraud.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.