davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (CA)

Credit Control , LLC XXXX XXXX XXXX XXXX  violated the cease and desist letter sent OnXX/XX/2024 to XXXX XXXX XXXX XXXX Debt Collector License Number : XXXX XXXX. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this sub-chapter with respect to any person is liable to such person in an amount equal to the sum of XXXX  ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} XXXX. TERMS & CONDITIONS plus a XXXX XXXX interest rate on unpaid balance, plus {$50.00} per day for nonpayment, plus a {$100.00} billing fee. 
Notice : Failure to send payment, within XXXX ( XXXX ) days of the date shown above, is regarded as your acceptance of these terms and your agreement to compensate me as indicated above. 


and i sent Contract with Debt Collectors Demand Notice a Recession and Creation of a New Contract dated XXXX XXXX, 2024, giving Credit Control XXXX  days to respond, which they never did, the contract is binding for non response, they owe me {$500.00} a month plus interest for late fees
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received word they called a family member in XXXX. I filed a complaint but it was with the wrong company - I now see this is the company responsible. 

Now have received they have made ANOTHER call, giving out personal information to another family member. this is egregious and absolutely ridiculous. none of the people contacted are in any way associated with my accounts and this sharing of my personal info puts me at risk. Disgusting tactics.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (AR)

I XXXX XXXX reserve all rights from ucc 1-308 without prejudice and reserve my right not to be compelled to perform under any contract not entered into knowingly, volunatarily, or intentionally. I do not accept the liability of any compelled benefit of any undisclosed commercial agreement or contract not entered into knowingly or intentionally. Macy's/Citibank ented the terms of an alleged credit card agreement by presuming me the living man to be XXXX XXXX and not XXXX XXXX. 15 USC 1692 ( a ) deceptive practices due to XXXX XXXX not being an individual person, consumer, or fictional corporate entity. Macy's/Citibank does not have the legal authority or capcity to contract with the living man XXXX XXXX neither Macy's/Citibank credit card agreement is not legally enforceable due to lacking signtures, consideration, and capacity. Macy 's /Citibank mislead XXXX XXXX believing he received credit but instead XXXX XXXX provided and extended his own credit to Macy's/Citibank by endosing the electronic agreement which credit is a RIGHT to defer.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

My debit card had a balance of {$0.00} in which it wouldnt have been charged from what I was told. I then didnt think I was going to be charged for anything I registered the card to be charged for but XXXX XXXX XXXX had decided to withdraw a total of {$490.00} for a one month payment which shouldnt have ever been processed but somehow was. This was a total scam on both ends of the bank and phone service, which I then cancelled n the card was then cancelled by the bank
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by Experian, XXXX, and XXXX. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

According to Law FRCA section 605b, It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I looked on my credit reports and noticed that I have a collection account on all 3 credit reporting companies with this information : XXXX LVNV FUNDING LLC Balance {$690.00} Opened XXXX XXXX XXXX Account Status Open reported : XXXXXXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX Balance {$690.00} Date Opened XX/XX/year> Balance Updated XX/XX/year> XXXX LVNV FUNDING LLC Account Number XXXX XXXXXXXX Balance {$690.00} Date Opened XX/XX/year> Date Reported XX/XX/year> I do not owe this company money and I sent them a document ( see attached ) but they never responded. I will also request through the CFPB that the company sends the original purchase agreement with my signature on it.
Consumer complaint received 2024-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IN)

Aargon Agency, Inc contacted me by phone about a medical bill. I asked them to only contact me in writing and to provide debt validation in accordance to the Fair Debt Collections Practices Act. They responded with a letter outlining part of the information required but did not include their legal authority to collect the debt nor did they provide the original contract bearing my signature. 
I replied and asked again to be provided with that information. They sent a second letter with the same information as the first letter and they have now started calling me again rather than communicating in writing.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NC)

EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX This letter serves as a formal demand that you immediately cease and desist all your unauthorized collection efforts. Pursuant to NMLS Indicates you are not permitted to conduct business in the state or territory of North Carolina, as are not licensed to do so. 

- Please provide your license number that permits you to collect in North Carolina. 

- Provide a Debt Validation Claim 15 USC 1692 G - Send me a full payment history on this account. 

- Provide my signature that I agreed to on the contract for this creditor. 

- Has there been any insurance found on this debt. 

I want to see the chain of title that you have to collect on the debt. I have received no such notification. 

This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I paid my entire balance on my Capital One XXXX ( {$3500.00} ) on XX/XX/year> ( 10 days prior to the due date ). I had one purchase during the next billing cycle of {$29.00} ( final charge on cancelled XXXX XXXX XXXX with XXXX ). I was surprised to find an interest charge of {$25.00} on the purchase. The attached statement shows " Interest Charged on Purchases. '' That's almost 100 % interest!
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (CO)

I received an email from PayPal saying that I had just sent a {$30.00} USD Payment to XXXX XXXX XXXX XXXX XXXX. 

This invoice notification arrived on XX/XX/year>. 

I never made this payment. I was not ever going to make this payment. This payment needs to be cancelled as the money has been stolen from me. This is a large form of fraud and scam.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I ve grabed my credit report back in XXXX of XXXX  lookin to get an education for me as I want to have superior education when I saw it my jaw dropped I had not one but four accounts open 2 with the same creditor and one of each I called these creditors and they stated they investigate the issue never did I wanted to them to acknowledge my documentation and no avail I dont know what to I need HELP!!!!
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I disagree with the accounts listed below which still appear on my credit report, even after your investigation. I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit score ( XXXX XXXX XXXX. Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This information being reported is inaccurate and should be removed.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
BANK OF AMERICA XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, I live on XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I am writing regarding that my Citi American XXXX card ending XXXX was closed by Citi Bank, despite the fact that I sent them signed XXXX form and signed XXXX form. They notified me that they closed the account because they haven't received signed documents. But I did everything on my side to resolve the issue with my card. Please help me to find some justice, they have in their possession everything they need, but they don't want to process it and reopen my card.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE (VA)

When I received my latest credit card bill from Barclays ( an aviator XXXX XXXX XXXX  XXXX ) I was notified of an increase in my APR to XXXX. I have had this card since 2015. I pay the balance in full each month. I called Barclays and was told to contact XXXX.I attempted to get a credit report online from XXXX but was unsuccessful because I was timed out? My credit score is XXXX .Perhaps Barclay wants to drop my account since I pay each month in full. They charge XXXX $ a year for the use of the card. Such usury should be illegal if it isnt already. I suspect millions of consumers received a similar rate increase, many of whom are in precarious financial positions.Thanks for any help you may be able to provide.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Disputed negative accounts on my credit report due to erroneous reporting by the credit bureau. I asked them to validate the debt by mail within 30 days or remove the negative accounts from my report. I did not receive anything by mail or email. The negative accounts are still reporting on my credit report. I also called to get personal information updated that is reporting incorrect and that was not done.
Consumer complaint received 2024-09-02
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Crow Creek Sioux Tribe (OR)

I took out a loan of {$1000.00} on XX/XX/2023. In less than a year I have paid River Valley loans over XXXX times the amount I borrowed, a total of {$3300.00}, and I currently owe more than I borrowed in the total of {$1200.00}. The APR is almost 700 %, which is not only predatory and unethical but illegal in the state of Oregon as the maximum percentage allowed is 36 % which I was not aware of when I borrowed this loan. 
This is not legal in my state, and I would like for this to be resolved taking into account the amount I borrowed and the amount I paid.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I am once again facing harassment, bullying, and time-wasting by SPS " Select Portfolio Servicing ''. SPS claims I owe {$5500.00} to them for a mortgage payment. However, SPS and I have already agreed that I do not have to make any further payments. Regardless, SPS is still charging me payments and has been informed they will have to refund all these payments. 

SPS refuses to let me actually make any payment. When I called into SPS today, SPS claims I must enter a payment date for my payment. Whenever I enter any payment date, SPS is claiming the date is " invalid '', when it is not. SPS then hung up the phone on me. SPS is scheming to charge me bogus late fees for their own refusal to take my payment, when they shouldn't even be charging any sort of monthly payment at all.
Consumer complaint received 2024-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (IL)

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete. 

Additionally, under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies. 

To assist in your investigation, I am requesting the following : XXXX. A complete payment history, including all payments made, missed, and the corresponding dates. 
XXXX. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off. 
XXXX. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within XXXX days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report. 

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the XXXX XXXX, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.
Consumer complaint received 2024-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (MO)

XXXX  situation happened when XXXX XXXX sold our XXXX to XXXX XXXX. We followed their steps and it resulted in them pulling XXXX payments. We called and discussed the situation and agreed up on the duplicate payment being set up a prepayment for the next month ( XXXX ). 

The XXXX  situation occurred when they withdrew the payment for XXXX. 

The third situation is they pulled the payment prior to the due date. The payment is due XX/XX/XXXX, they initiated the charge on XX/XX/XXXX and had been removed from our account prior to the due date without our authorization.