davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
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: Maximus Federal Services, Inc. (CT)

DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPOKE TO XXXX XXXX IN REGRAD TO DISCHARGING THE ACCOUNT FOR BEING OPEN FRAUDUALENTLY WITHOUT OUT MY CONSENT ON XX/XX/XXXX I PROVIDED THEM WITH ALL MY DOCUMENTS AND POLICE REPORT AND SIGNATURE SAMPLE SHOWING THAT THE ACCOUNT WAS NEVER OPEN BY ME AND THAT I NEVER ATTENDED THE SCHOOL THAT IS ASSOCIATED TO THE PROMISSORY NOTE. THIS ACCOUNT WAS CREATED FRAUDULENT BY THE SCHOOL XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION.

CREDENCE RESOURCE MANA ( Original Creditor : XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Consumer complaint received 2024-07-25
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. (VA)

After recently, looking at my credit report I found multiple inaccuracies and unverified information on my credit report I recently requested the original contract with my signature on it from XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. According to the FCRA when a consumer reporting agency Prepares a consumer report It shall follow Reasonable procedures to ensure maximum accuracy of the consumer relating to the report. I also reached out to the Credit Reporting Agencies asking for a reinvestigation and method of verification of the listed accounts below, in which they also failed to respond which is a violation of my consumer right per. 15 USC 1681i7. Account : XXXX XXXX XXXX  Account Number : XXXX XXXX was already removed from my Experian report because they failed to provide proof of this account being mine, but XXXX and XXXX are still reporting it as Verified another violation of my consumer rights, inaccurate reporting. Per 15 USC 1681i all UNVERIFIED accounts must be PROMPTLY DELETED from my consumer report. The accounts below were clearly unverified and i am requesting they be deleted from report immediately. Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX  They also violated 15 USC 1681 i ( 5 ) Can you look into this?
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

I am going to be extremely nice and cordial and I apologize for the previous threats or attitude but the situation is extremely frustrating. Long story short : XXXX approved us for 12 months of payments from XX/XX/XXXX to XX/XX/XXXX. 

As of the date of this letter, there has only been XXXX payment posted from DovenmuehleXXXX  which was for XX/XX/XXXX. 

The most frustrating part of this entire thing, is Dovenmuehle are claiming the checks are going to a wrong address and that is why they're not being posted. This would be a fine claim but the correct address that XXXX are mailing the checks to is " XXXX XXXX XXXX, XXXX TX XXXX. '' - This is the EXACT address that you guys have claimed the address needs to be on previous correspondence. Today, I did a two-way phone call with XXXX from XXXX and XXXX from Dovenmuehle. Both very sweet and wanting to help me. 

How can we resolve this? Also can I get a contact from someone that I can reach out to directly vs filing many CFPB claims? 

Possible resolution : 1. Have XXXX change the address from the XXXX XXXX XXXX XXXX, TX to the XXXX XXXX XXXX, Illinois location. Please note, for them to do this - I need you to confirm this is now the correct address to send payments to on Michigan XXXX letterhead. They will re-issue the checks and send them to this address from now on. I have personally sent checks to this address for the hurricane insurance checks and found there to be no issues sending and receiving from this address. 

Please just help me. Please do not say again that the address is incorrect because I can promise and assure you it is not incorrect. You may be giving ME and HAF the incorrect address, but XXXX are sending the checks to the address you are specifying so PLEASE do not use this answer again in your response to this claim. Please try and actively help me, I have been fighting this since XXXX I am tired and I want this to be resolved. If we need to change the address to XXXX XXXX XXXX XXXX then let 's do it. Clearly the XXXX XXXX XXXX XXXX is not working. 

Furthermore, in the last correspondence you claimed that the unauthorized third party had received " multiple '' checks, meaning for various individuals not just my loan. This should be the clear indication that it is indeed DovenmuehlXXXX 's error. I understand this is a new program from the government so if you don't understand what to do or you don't know what to suggest then just say that. Can we try the XXXX XXXX XXXX location? I need you to confirm on a letterhead that the checks can be sent to that address. 

Thanks, XXXX
Consumer complaint received 2024-01-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc. (WA)

Between XX/XX/XXXX and XX/XX/XXXX, the mortgage company Mr. Cooper serviced a VA mortgage I held jointly with my spouse. Despite repeated assurances from the company that all diligent measures would be taken to protect our sensitive personal financial information, Mr. Cooper retained this information after the loan was transferred and paid off. As a consequence of the firms retention of our sensitive data and further failures to maintain requisite systems security our names, addresses, social security numbers, and personally identifying details were leaked to an undisclosed third party. 

Time and time again, financial firms negligent handling of consumer data in conjunction with a lack of basic information systems security results in data breaches. Without any accountability or penalties there is no incentive for adequate investment in security. Rather, costs saved by not implementing these basic measures fatten bottom lines while exposing consumers to immense risk and potential harm. It is incumbent upon the CFPB, FTC and other agencies to increase enforcement until the costs of a data breach become incentive to properly safeguard this sensitive information. 

It is also essential that notice of past breaches be made centrally available to inform consumers. This information would go a long way toward guiding consumers to firms that are capable and careful with their data as the paltry offers of credit monitoring are insufficient to redress the harm caused by this negligence.
Consumer complaint received 2024-07-25
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. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to the bank of America in XXXX, XXXX : XXXX XXXX XXXX XXXX, CA XXXX. I went at XXXX to the atm outside to deposit my {$1200.00} cash to pay my rent and the atm took my money and did not give me a receipt and did not put the funds into my account. i went into the bank and the bank manager was rude and said she could not help me, i told her i was not leaving until my money was out into my account or they fixed the atm. they still did not help me. i was given a number that was on the ATM and the atm number to file a complaint. i filed a complaint and they said that they can not help until they do an investigation and i am out the {$1200.00} until they solved it and even then, i won't get my money if they cant solve it. This bank is stealing my hard-earned money and i want to turn them in and get my money back ASAP. I'm going to be kicked out of my house and lose my car if i don't get my money. my claim number is XXXX.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

American Express has a system that forces card holders to pay interest when using autopay. In short : I have a monthly autopay setup for {$500.00}.

I start with a balance of {$0.00}.

In month one I charge {$650.00}.

In month 2 my autopay of {$500.00} is applied leaving me with a balance of {$150.00}. 
After the autopay in month 2 I charge another {$300.00} leaving me with a balance of {$450.00}.

In month three my monthly autopay is again {$500.00}, However, they only apply {$150.00} of my autopay leaving me with a balance of {$300.00}.

They only apply the autopay to the previous statement balance rather than applying it to the account balance on the day the autopay is triggered. This allows the 25 day grace period to expire and they start charging interest based on the daily balance. They are essentially refusing to take a payment, then charging interest on the balance not paid. 

In the example above, my balance on the day the autopay is scheduled is {$450.00}. With the amount of the autopay exceeding the balance on the account, the autopay should have completely paid the balance.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I'm XXXX XXXX. 

I'm currently having trouble with my account. I have two credit cards from bank of America ( travel reward card and customized cash back card ). 

I then traveled to my home country of XXXX XXXX for a lengthy vacation ( I'm still there right now ). I used them a few times without issues, but there were two transactions on each card that were declined and they asked that I call them to resolve it and and unlock the cards. 

I called them multiple times and verified all my data. The person on the phone asked that they send a code to my phone so that they could lift the restriction so I gave them my phone number but he said that for some reason their system doesn't want to send the code to my phone. This happened a few times that I call, despite getting frequent messages with codes to my phone number. They asked for another phone number, which I provided but also was not able to send the code. 


Now I'm being asked -or rather forced- to visit a financial center in person. Unfortunately I'm in XXXX XXXX for a lengthy period and can not do it at the moment. I'm in a really tough situation. It is odd why they system doesn't want to verify me remote, why can I not verify by meeting virtually? ( video or otherwise ). 

When I try to book a telephone appointment with a financial advisor, there are no appointment available on their system at all.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Stage Funding (NC)

The creditors is reporting inaccurate information in XXXX XXXXXXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. XXXX XXXXXXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

Rental property was originally XXXX XXXXXXXX XXXX who I was renting from month to month. Original owner of building alerted tenants of building being sold to XXXX XXXX XXXX Notices were given out to renew with XXXX XXXXXXXX XXXX if we wanted to continue to live there with raised rent if not we had 30 days to move which I did. I never had a contract/lease with XXXX XXXX XXXX and they can not provide one because there is not one. The {$650.00} deposit was also not returned by original owner XXXX XXXX XXXX. XXXX XXXX XXXX  never had a lease with me because I left within the 30 days of notices due to not wanting to renew a new contract with the new owner/XXXX XXXX XXXX I had already spoken to management that I was not renewing with them. I now come to find out years later that they are still trying to charge me through National Credit System a collection agency without proof of a proper contract a total of {$1200.00}. This is a scam.
Consumer complaint received 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I am writing to file a formal complaint regarding the actions of CREDENCE RESOURCE MANAGE in relation to an alleged debt they claim I owe. Despite numerous requests, CREDENCE RESOURCE MANAGE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report.

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that CREDENCE RESOURCE MANAGE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices.

The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I dispute owing all debts to CREDENCE RESOURCE MANAGE and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, I request that CREDENCE RESOURCE MANAGE provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim.

2. The purchase agreement between CREDENCE RESOURCE MANAGE and XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows CREDENCE RESOURCE MANAGE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX and CREDENCE RESOURCE MANAGE, because it will state CREDENCE RESOURCE MANAGE purchased this debt with the knowledge of this account not being 100 % accurate as well as not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of the bureaus. 
As well please provide documentation of every individual involved from both parties.

Include, names, emails, address, dates, and times of transactions and communication.

3. Furnish proof of licensing and bonding to operate as a debt collector.

4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. I did not receive proper communication. If in fact, if CREDENCE RESOURCE MANAGE believes they have provided proper notification. I am requesting you provide the receipt of certified mail with my name on it as well as my signature stating that I have properly received this information
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: P&B Capital Group, LLC (OH)

OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article 17 of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer i am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (IL)

This is so many of the above options I had to just pick the best ones. This is about a savings account with Discover and they abruptly closed my account with no explanation kept {$330.00} for several days then they sent a check which can not be cashed anywhere anywhere in town anywhere with any other bank anywhere with mobile, cant be cashed at XXXX, cant be cashed out a check cashers place. Ive had no money for XXXX days now because of them so they finally agreed after XXXX hours on the phone to wire it and then at the last minute they wont wire me my money they wont give me my {$330.00} and I have no money XXXX XXXX and I need XXXX XXXX. I almost ended up in the hospital last night because of this I couldnt get my medication. Plus, they had me void the check because they were supposed to send out the wire and now they will not send me out The wire This is very urgent!!!!!!!!!
Consumer complaint received 2024-02-03
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. (MN)

CFPB Writeup : 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-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.
Consumer complaint received 2024-07-25
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Evident Capital LLC (LA)

I received a letter from Liberty First Lending advertising rates as low as 5.99 % APR, with a disclosure that the range is from 5.99 % -29.99 %. When I called, I spoke with a representative named XXXX who informed me that there arent any 5.99 % loans, and he hasnt seen that rate in a very long time. In fact, he didnt have anything under 10 %, which is what I was aiming for, so I dont know what their baseline is. Regardless, they are falsely advertising a rate that they dont have available for anyone. For reference, my credit score is excellent.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did a balance transfer over a year ago from XXXX to Capital One. Capital One wrote a check to XXXX auto department. We do not have an account with their auto department. A mistake on Capital Ones part that they have admitted. XXXX did an investigation and found that it went to the wrong department so they wrote another check to Capital One. Capital Ones auto department cashed that check. Again we do not have any accounts with any auto departments. Another mistake on Capitol One that they have admitted. We have done another investigation and they confirmed they cashed the check but since then they say they have sent 4 checks back to XXXX but XXXX have not received anything and Capital One will not provide proof of the checks they say they sent. XXXX is now trying to hold us responsible saying we owe them the money and have been charged with late/interest fees. Capital One still has my money and will not fix their mistake. This has been very time consuming and stressful. Capital One has been very rude and unhelpful.