davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

As of XX/XX/year>, I paid the balance of the loan in FULL. 


Reporting to my credit report as a REPOSSESSION AND CLOSED ACCOUNT. 

As of XX/XX/year> this credit is reporting a balance of $ XXXX, which is false. 

I submitted a disputed directly to the creditor stating the balance reported was incorrect... 

This fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. I called spoked to a XXXX XXXX, who was rude and condescending stating the car loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. 

The last time my credit report was updated was XX/XX/year>, where the balance was $ XXXX, closed, and a repossession. I have possession of the vehicle and paid it off IN FULL. Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens. 

Update account to GOOD STANDING AND PAID IN FULL... I do not owe {$5200.00} nor is the vehicle repossessed or is the account closed.
Consumer complaint received 2023-08-03
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. (AR)

I Complaint that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. 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. The following items should be deleted as they are fraud in my credit file : 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 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 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 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 2024-06-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Figure Technologies, Inc (FL)

XX/XX/year> I got approved for a Heloc loan with Figure Wholesale lending. I called them to find out how to exercise my right to waive the 3 day right of rescission due to a financial emergency and they told me according to the CFPB I cant waive it due to it being my primary residence. I called CFPB and this information regarding not being able to could not be found. I have submitted my request in the form of a signed letter to them today and confirmed receipt but have been told that it is highly unlikely due to them never having approved one before.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC. (TX)

The debt collector has sent me nothing to verify the debt. I have no knowledge of this debt collector. I have seen nothing with my signature on it that verifies any debt owed to the original creditor nor a statement that shows what they claim I owe. Also, they have not provided me any account numbers from the original creditor they claim I have debt with. This is inaccurate information as it does not list my account number on my credit report which constitutes inaccurate information which violates the FDCPA Act.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One auto finance gave me a late payment for XXXX and XXXX when I already made a payment for XXXX I had a payment arrangement. Then they reported late payment for XXXX and its currently XX/XX/XXXX so how is it possible for me to be late in XXXX. I also sent proof and documentation of errors see attached.
Consumer complaint received 2015-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Southwest Credit Systems, L.P. (MI)

The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MT)

Today is XX/XX/XXXX I got a call today from the US Bank about my overdraft I've been trying to figure a way to get that paid off at all screwed up on a XXXX XXXX and still trying to figure it out but with my hours getting cut at work going down 2 days a week I'm getting paid like XXXX bucks an hour and XXXX hours a day so it's only {$140.00} and I got like a {$250.00} to pay off by XX/XX/XXXX and are going to foreclose the account and report it to check
Consumer complaint received 2024-06-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I canceled my service with XXXX a month before they charged me in which my balance was XXXX XXXX I told them to cut off the service in which they did and the representative told me I dont need to worry about the services and I shouldnt be getting charged for anything as long as I return the equipment in which I did. I switched because I didnt need to pay XXXX $ to a cable company since spectrum was offering cheaper services. They continued to charge me all the way till XXXX when I canceled in XXXX and then put me in collections after I called XXXX. This had ruined my life completely because I have been denied for so many loans and credit cards and it affected my life negatively because my interest rates would go up as well as my insurance rate and tarnished my relationship with the bank. They Closed my accounts with XXXX  XXXX XXXX and XXXX and I cant ever open a bank account with them ever again and they didnt disclose a reason as to why.
Consumer complaint received 2024-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (CA)

On XXXX, XXXX, I had a XXXX XXXX in XXXX, CA and visited XXXX XXXX. It's been 7 years already and I do not even remember the exact dates now. XXXX from Cedars Business group called me and asked me to pay {$2700.00} medical debt. I asked her to provide me with the documents related to debt. The documents which I have received refer to a medical bill from XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX group and they told me that they already waived my debt and their is {$0.00} on my billing since XX/XX/XXXX. 
This collection agency Cedars Business Services has put {$2700.00} on my XXXX XXXX and reported to credit bureaus and ruined my credit score in XXXX. They have unscrupulous business practices, XXXX gave me a date of XXXX XX/XX/XXXX for visiting XXXX XXXX XXXX but I have never been to XXXX XXXX XXXX in XXXX. Well, If I do not owe any kind of bill who gave right to Cedars Business services to ruin my credit? If original creditor told me that their is no bill and it's already waived off to {$0.00} in XXXX, who gave right to Cedars Business Service to charge me for a waived off bill after XXXX years. This is violation of fair credit rights and justice should be served by taking actions against Cedars Business Services.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (NM)

Over two months ago I received a completely out of the blue demand for 'flood insurance ' or else from NEWREZ , the latest company to buy my mortgage. I have never been required to have it and had no idea they would be so incredibly unprofessional and threatening. I filed a complaint with your office, and received a two page reply on why NEWREZ is allowed to threaten me with a {$2000.00} insurance policy of their own if I do not 'comply '. I tried reviewing it today and it would not open. I have a PDF from XXXX XXXX XXXX stating 'the subject property is partially within a special flood hazard area. THE EXISTING STRUCTURE< HOWEVER IS NOT IN THE FLOOD PLAIN. It has been suggested they may be trying to acquire this property by any means in the event oil fracking is begun. I have not heard about this but I do find the unworkable stubbornness of NEW REZ shocking and the threatening overtones quite upsetting.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

This is my fourth complaint on Wells Fargo Wells Fargo 's really needs to stop the abuse I will be attaching information to show that Wells Fargo 's is not being accurate with the information that they're being told to the customer 's meaning a transaction that was already posted for some reason now is pending overdraft fee I overdrafted my account on a Saturday I am aware of the overdrive the overdraft was {$800.00} now all of a sudden all these old transactions that was already pending and paid for are now impending mode to be charged overdraft fee this bank is very abusive they do not care about the people they just care about the money and robbing people the reason I say that is cuz this is an ongoing thing I have overdraft protection for a reason for protection the {$800.00} that I took out of the ATM withdrawal was for my protection cuz I had to pay one of my bills I do not have a problem in paying {$35.00} for {$800.00} overdraft that I agree that I did but I do have a problem in paying {$35.00} multiple times on transactions that have been posted into my account when nothing pending also I noticed that I did some transactions and the transaction comes out and it says that it will be posted on the XXXX the transaction was done on the XXXX of I'm a mistake this is the crime that Wells Fargo 's done and hopefully the federal government will investigate them and see that I'm I'm not the only customer that has complained about Wells Fargo 's I have seen a lot of articles about Wells Fargo 's and the way they take people 's money but me is a definite abuse cuz I am a working person and I barely have money they'll abuse me in a simple fact that they charge me overdraft fee they claim that I have paid that they have paid me {$400.00} and something dollars I asked Wells Fargo 's the question how much overdraft have I paid within the 12 month period And I guarantee that is going to be more than {$1000.00} also the 24-hour grace period that you guys claim that you give the customers is a lie cuz if you notify the customer at XXXXXXXX XXXX. and you have to XXXXXXXX XXXX that is not 24 Hour preview so you go you guys do not give no 24-hour. Whatsoever
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

The letter dated XX/XX/year> was received today XX/XX/year> and states that they are going to sue me in local court, put a lien on my property, obtain a lien on my property, and obtain information about my assets. I owe {$2600.00} supposedly
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (OK)

On XX/XX/year>, at XXXX Central Time, I received a text message from the number XXXX claiming to be Harris & Harris collections asking for {$43.00} on behalf of the XXXX XXXX XXXX before I received any notice from from the XXXX XXXX XXXX 


" Benjamin , Harris & Harris-collects for XXXX XXXX XXXX Balance : {$43.00} To Pay : XXXX : XXXX or call XXXX Reply STOP to stop '' After confirming with the Oklahoma Tax Commission that I did not owe any money I called Harris & Harris and was connected to a very uncooperative operator. 


- The operator wouldn't give me confirmation via email that my info was removed from their system, even through I owed no debt. 
- The operator wouldn't give me a straight answer if the Debt would hit my Credit Score, even though it was not in my name. 
- Contacted me about my brother " XXXX '' even though it was my number.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EASTERN BANKSHARES INC (VT)

EASTERN BANK OWES ME MONEY FOR INCOMPETENT HANDLING OF MY ACCOUT FOR MY BUSINESS. 

Eastern Bank reports on a banking site that I owe THEM money and that is preventing me from getting a checking ACOUNT AND/OR AN ATM CARD.
Consumer complaint received 2024-06-17
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/year>, XXXX XXXX XXXX charged my card {$2500.00} for work not completed. I never signed a contract. On XX/XX/year>, I released XXXX XXXX XXXX as the contractor and switched to a different contractor. 

On XX/XX/year>, the contractor is not cooperating for refund and is trying to make me sign a document with him for a partial refund. 

I need assistance from American Express with disputing the {$2500.00} transaction.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IA)

I have been unable to login to the Nelnet website for well over a week. There has been no communication from the company regarding issues with their website. While searching online for a solution it appears that many people are having the same issue.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not recognize these inquires on my credit report. i will asked for them to be removed and the bureaus did not do as i asked. I am providing a Identity theft report attached to this because they are inaccurate and not mine.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NJ)

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 procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under. 



Please be clear that You have committed the following FDCPA violations : 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Your agency is harming my reputation, which is a violation of this section.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I am not participating in the collection of this alleged debt so your agency is in violation of this section.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NC)

I went to a local bank for financing and they advised me I have a collection on my XXXX XXXX credit report from WAYPOINT RESOURCE GROUP LLC representing XXXXXXXX XXXX I called XXXX XXXX XXXX and they advised me to go to a local store to speak with the manager. I went to the XXXX XXXX store and the manager advised me that they could not see my complete account information due to the account being sold to a collection agency. The manager did share with me that there were 2 numbers listed for collection, they would only give me the last 4 digits of the phone numbers, XXXX & XXXX. I looked through my contact list on my phone and those numbers were never on my account. I then called Waypoint, I asked the rep to provide me with invoices proving the charges and she refused, and stated that the charges are valid and the only thing she would offer is a lessor payment, fromXXXX to XXXX. I advised the rep I knew nothing about the charges and would not pay anything until it was proven of what I owed. She got very rude and said " it's not my credit that's being ruined if you don't pay '' I asked her her name and she would not provide it. I asked to speak to her manager and she hung up. I called back to try to get a different rep and she answered the phone again, she asked me why am I calling unless I am going to pay her XXXX dollars, and hung up on me again. I filed a dispute with XXXX XXXX and then called them. after speaking to the XXXX XXXX rep she advised me to submit a report with the FTC and she opened another dispute on my credit file for fraud. She stated by law, the collection agency or XXXX XXXXXXXX has to provide me with documentation of the charges. She advised me once I get the report number to mail it and a copy of my SS card to the XXXX XXXX office to have the collection removed from my credit report.
Consumer complaint received 2024-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp (TX)

( Original Creditor ) CAC FINANCIAL OPENED XXXX XXXXXXXX XXXX ( XXXX Yrs, XXXX Mos ) {$600.00} I have called the consumer bureau ( XXXX ) that this information is being reported to. I have no information on the original creditor besides what the bureau has given me. At the time of account opening XXXX XXXX XXXX I was XXXX XXXX XXXX. This Account does not belong to me. ( High probability of fraudulent activity ) This account is causing me harm and is preventing me from getting my life as well as my credit journey stared.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> I contacted TransUnion because I could no longer access my credit report or unfreeze my credit report from their website. The agent said they unlocked and sent my account for maintenance. Do to the error of TransUnion I was not able to be approved for a credit product because my financial information could not be found.