davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My account XXXX XXXX, which is on all 3 credit bureaus, XXXX, XXXX and Experian has been reporting incorrectly and has incorrect information. Also according to these laws I please ask you to delete this collection from all three bureaus please. Ive highlighted a lot of incorrect information. this is supposed to fall of in 4 months anyways so please delete from all three. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME - XXXX XXXX ACCOUNT NUMBER - XXXX Also 8 late payments from XXXX XXXX I kindly ask you to remove ACCOUNT NAME - XXXX XXXX ACCOUNT NUMBER - XXXX Incorrect information is also being reported on XXXX XXXX reports on all bureaus. please remove all 8 late payments. in violation of laws below. Thanks!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or I kindly ask you to remove the is collection from XXXX XXXX And also XXXX XXXX 8 late payments thanks!
Consumer complaint received 2023-11-09
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: Experian Information Solutions Inc. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX  XXXX XXXX
Consumer complaint received 2018-11-13
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. (WA)

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged  XXXX
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (NM)

Waypoint Resource Group LLC reported a collection account in my name to XXXX on XX/XX/24. It stated it was for a balance owed to XXXX XXXX for {$120.00}. Waypoint Resource Group listed the current amount owed as {$1500.00}. I have never received any written correspondence regarding this account. I called XXXX XXXX on XX/XX/24 and they have no record of an account in collections in my name. The only account I have ever had with XXXX is over 20 years old and paid in full. They had me speak to someone in the Fraud Dept, and they informed me I should file an affidavit of fraud with XXXX, and dispute the claim with the credit bureaus.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, which is XXXX XXXX, whether implied or explicit. Please provide me with documentary evidence of the obligors indebtedness. Documentary evidence is not a copy of statements from the original creditor, I require original copies of the consumer contract with my signature in addition to all pertinent information as applicable under law. This company is in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I will not make any or future payments to Midland Credit Management under their threat, duress, and coercion, due to the undue influence of them placing this illegal and unlawful account on my consumer report. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused by XXXX, XXXX XXXX  and Midland Credit Management. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX FTC XXXX and RICO Act. Additionally Midland Credit Management has previously attempted to take me to XXXX XXXX in XXXX  and the case was dismissed because of their failure to appear, also the statute of limitations on collections for the State of South Carolina and Kansas, where they are incorporated is 3yrs. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2024-02-22
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: CL Holdings LLC (GA)

Subject : Cease Unauthorized Credit Reporting Immediately - Notice of Legal Violations Dear XXXX, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) and Georgia identity theft fraud laws, specifically under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant Georgia statutes . 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a clear violation of federal and Georgia laws. Under the FCRA and corresponding Georgia statutes, consumer consent is an absolute prerequisite for any such reporting activity. 

Furthermore, Georgia identity theft fraud laws emphasize the seriousness of unauthorized access and misuse of personal information, further solidifying the gravity of this situation. 

I assert unequivocally that I have not provided consent for XXXX  to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, with potential repercussions for my creditworthiness and a blatant disregard for federal and state laws. 

I demand, with absolute certainty, that XXXX immediately halts any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and relevant Georgia laws. Failure to comply within the stipulated 30-day timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws, including Georgia identity theft fraud laws. 

Compliance with these legal obligations is not negotiable ; it is imperative for protecting consumers from unauthorized and damaging credit reporting practices. 

I anticipate your prompt attention to this matter and expect that XXXX will rectify these violations swiftly, respecting my rights under federal and Georgia laws.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

IN 2017, IOPENED 5XXXX BASED COMPANIES, DUELY REGISTERED WITH THE CALIFORNIA BUSINESS REGULATING AGENCY AND IPROCEEDED TO BANK OF AMERICA TO OPEN 5 BUSINESS ACCOUNTS IN THE NAME OF THE 5DIFFERENT COMPANIES FAITHFULLY FOLLOWING THEIR LEGAL REQUIREMENTS.BUT TO MY SURPRISE AFTER A FEW DAYS OF OPENING THE 5 DIFFERENT BANK ACCOUNTS, THE BANK OF AMERICA CLOSED THE 5BANK ACCOUNTS WITHOUT GIVING ME ANY VIABLE REASON AND EVEN WENT AHEAD TO PLACE AN INDEFINITE LIFE BAN ON ME EVER OPENING AN ACCOUNT IN BANK OF AMERICA.AS A XXXX   OF THE XXXX WITH A CLEAN HISTORY AND INTEGRITY, ICONSIDER THIS ACT OF BANK OF AMERICA BARBARIC, UNJUST, SADISTIC AND EXTREME MISCARRIAGE OF JUDGEMENT AND WANT TO ASK THE CONSUMER FINANCIAL PROTECTION BOARD TO USE ITS GOOD FULCRUM TO PREVAIL ON BANK OF AMERICA TO REVERSE ITS EXTREMELY CRUEL AND SADISTIC INHUMAN DECISION ON BARRING ME FROM OPENING AN ACCOUNT WITH BANK OF AMERICA WITHOUT ANY REASON.THANK YOU.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (SC)

On XX/XX/2024 I called Jefferson Capital System and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me. I have done research on this company and also found that they are very predatory and have several lawsuits for their practices. However I will not seek litigation if this is removed promptly. I do not owe an debt to you or XXXX. I have been with my service for over 10 years. Im very annoyed that I have to take the time to correct this but have several credit monitoring services so things like this doesnt happen to me because I am very responsible.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (IL)

Subject : Formal Notice of Violations and Request for Remediation Dear SW Credit System I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner SW Credit System has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by SW Credit System besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on SW Credit System providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Since my loan transferred to SPS in XXXX of XXXX I noticed my Taxes had not been paid ( which I brought to their attention on Friday XX/XX/XXXX and sent the tax bill on the same date ) I started to do some digging on what escrow balance had transferred and noticed that SPS had loaded the wrong balance in my escrow account. I have called in multiple times after my initial call on Friday XX/XX/XXXX and have yet to obtain resolution. 

When my new loan was originated on XX/XX/XXXX I had to deposit {$13000.00} into the escrow account, I then made my XXXX and XXXX mortgage payments, which included an escrow payment each month of {$1500.00} resulting in an escrow balance of {$16000.00} as of XX/XX/XXXX. When my loan transferred to SPS on XX/XX/XXXX the escrow balance they were showing was {$13000.00} the original balance I had at closing and did not account for the two payments of {$1500.00} on XX/XX/XXXX and XX/XX/XXXX. 

I have provided SPS with the payment history from Loan Stream mortgage ( my previous servicer ), the statement sent to me from SPS referencing the improper escrow balance and my XXXX XXXX Tax bill that was due Wednesday XX/XX/XXXX. I have two requests of SPS - 1. Please pay my county taxes to XXXX XXXX in the amount of {$12000.00} that were due by XX/XX/XXXX In addition SPS needs to pay the late fees incurred due to their non-payment 2. Please balance my escrow account and get the proper balance loaded to my escrow account as they are currently missing over {$3000.00} Please feel free to contact me at XXXX with any questions or concerns.
Consumer complaint received 2024-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I recently received a debt account for collection from Ability Recovery Services LLC for an amount of {$910.00}. Apparently, it is debt from XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX and have never been treated by or seen by any physician from XXXX. I have only seen a XXXX XXXX twice in the last 20 years and it was in XXXX XXXX and both instances were paid in person. I've seen the XXXX  reports on this company, and they seem to be known for reporting fraudulent reports to trick people into paying them money. I have been receiving multiple calls daily from their outsourced call centers trying to collect a debt for something that never happened.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WI)

I have been contacted eight times via telephone call and one time via text message in the last 36 hours by Comenity Bank regarding a payment that is one week late. Under regulation f, they are breaking the 777 law. Which states that a debtor can not be contacted more than seven times within seven business days, or 7 days after contact has been made. They continue to harass me.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC (TX)

Company called my daughter on Wednesday XX/XX/XXXX from the number XXXX and told her to tell me it was about an account that I had and that if I didnt call them they were going to sue me. They called my ex-husband and left a message on his phone. I called them to try to pay something but realized it could be a scam and asked for my loan documents so I could make arrangements and they would not give them to me. They called my daughter again today XX/XX/2023 and told her that they knew where she lived to come look for me. They called her from XXXX
Consumer complaint received 2024-02-23
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: CREDIT ACCEPTANCE CORPORATION (TX)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 
Account # XXXX
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I applied for a loan modification with bayview loan servicing i submitted a complete package my income and financial situation has improved and i would like save my home, my loan application was denied by bayview because it wasn't in there best interest to modify my loan because my property is upside down, this is the reason I`am seeking a loan modification after hearing this i did some research and discover several things that were wrong with my loan, first off the company that originated the loan was located out of the State of California the transaction and process of my loan was completely done over the phone, i didn't receive disclosures regarding loan, documents to read and understand the loan, nor did have any options for any other types of loan products, nor was there a right to rescind the loan included in the documents, but the biggest issue of all was the Truth in lending stated one rate of interest and the mortgage note stated another rate also the first mortgage statement had yet another rate of interest which governs the payments and loan balances. now bayview is stating that i owe a certain amount and i believe its a different amount which is the heart of the matter and why bayview loan servicing has denied my loan for modification, this was a bad loan from the start and i know that there are many federal laws that have been violated by the lender of this subprime loan, so a federal lawsuit is also a option on the table,
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (FL)

On XXXX, consumer requested a billing error request per contract, to the LOC Department Manager. On XXXX, NetCredit ( entity of Enova International ) responded and advised they would review the request and advise in 5 business days. The company has not responded. The furnisher continues as of today, XXXX, to report my account late even though law says they can not during the billing error review.

They are also reporting an inaccurate late payment, account says XXXX and report says XXXX. Additionally, it is illegal to report transaction history and it is being reported. The reporting agencies are supposed to be over my privacy and ensuring it.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Venmo froze my account on XX/XX/XXXX when I switched from an XXXX  phone that broke to a new XXXX. I've been unable to pay or be paid since. 

I was advised to upload photo ID which I did immediately on XX/XX/XXXX. 

When I called today XX/XX/XXXX, I spoke with a rep and a supervisor both of whom gave no reason for my account being frozen and no further recourse aside from waiting for an Account Specialist to contact me up to 3 weeks from today. Unacceptable Venmo Case XXXX Supervisor name : XXXX