davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Attorneys USA LLC (MT)

Today, XX/XX/year>, I received calls from the number XXXX. The first call was at XXXX, and it went to voicemail with no message left. The second call came at XXXX which I ignored because I did not know the number, and no identifying information came up on the caller ID. The third call came immediately after the other at XXXX and a voicemail was left. The caller stated that they were going to share my personal information and if the recipient of the message was not me they should hang up in XXXX seconds. Without pause, " XXXX '' proceeded to tell me that she was calling to settle my debt on behalf of the Law firm of XXXX XXXX of the XXXX to ascertain whether I had received my legal notice of rights with respect to a delinquent debt that they had recently sent me. I have never received notice from a company of this name, and after reviewing my credit report, I do not have any note of collections under a company by this name. XXXX proceeded to say that if I wanted to settle my debt in a " friendly way, '' I should call them back. If I don't, is it going to get unfriendly? I have had to listen to the voicemail XXXX times just so I can clearly hear the name of the company. At no time during this message did they provide any other identifying factors other than a phone number to contact. When I looked up the company and the phone number, I found nothing truly identifiable other than a possible law firm in California that does not have a matching number and the actual number brings up nothing but other reports of possible spam activity and yet another law firm that doesn't match the name given. This is a highly suspicious incident, and I do not trust calling back to obtain more information because there have been too many scams like this lately.
Consumer complaint received 2024-05-21
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: M&T BANK CORPORATION (FL)

This is to bring to your attention that my credit report reflects an inquiry from this company that I did not approve. I sent a letter to the creditor stating that it was an authorized inquiry. The company did not provide any proof nor remove the inquiry. 

The company is not legally entitled to access my credit report without my authorization. Therefore, I request that you investigate this matter.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (AR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX  Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This complaint is my folow-up to ensure the deletions of the listed items
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2024, I asked Chase Bank for a coupon code to open a checking and savings account for a {$900.00} bonus. They sent it to me via email, and I applied to open the accounts through the link in their email on the same day. 

I read the terms and conditions and followed them scrupulously : I opened both accounts at the same time, from the link in their email which they said would attach the coupon code ; on XX/XX/XXXX, I direct-deposited my paycheck from work into my checking account ; I deposited {$15000.00} into the savings account ; I kept the money there and deposited more than was required. 

The first part of the {$900.00} bonus was supposed to be received within 15 days of the direct deposit to checking, which would have been due to me on XX/XX/XXXX. On XX/XX/XXXX, I direct messaged their help center saying the bonus was missing. 

They claimed the coupon had not been attached to my account, and it had to occur within 21 days of account opening, and they could not help me. 

I have no control over or visibility to what happens on the back end of their account, and can not be held responsible for their failure to attach the coupon. 

In addition, nowhere in the terms and conditions does it say the coupon is required. Despite this, I went above and beyond in confirming I was applying through the correct portal to attach the coupon, proactively asking them to send it to me, and then using their portal. 

Here is the entirety of their terms for the bonus ; nowhere does it require the coupon ( which I used anyway ). 

To receive the checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. Person to Person payments ( such as XXXX ) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than {$1.00}, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 15 days.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XX/XX/2023 I sent written instructions expressing my decision to opt out of having XXXX/DEPT OF ED reporting on my consumer report. I no longer want the experiences and transactions between XXXX/DEPT OF ED and I reporting on my consumer report. XXXX, XXXX, and Exquifax are unaffiliated third parties to XXXX/DEPT OF ED. XXXX, XXXX, and Exquifax have no right to post incomplete information furnished by XXXX/DEPT OF ED that I have previously disputed.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX Account # : XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account XXXX : XXXX/DEPT OF ED Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX 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. 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 2024-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (NY)

Although Specialized Loan Servicing responded to my request of the escrow analysis, the company failed to give a detailed explanation of the payment history as well as the escrow, insurance and tax payments. 
This is essentially why I am submitting a SECOND complaint against them. Prior to this complaint, I submitted a letter requesting that the company should give a detailed explanation of why I was put in forced escrow. The company has also to stated I did not have a homeowner 's policy on the home in which I have coverage from 2012 to present day. It is stated that I was put in forced escrow, which has been a part of the delay in proving the correct escrow analysis and payment history. 

I have documentation of both my request for information as well as their response.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (AZ)

I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining. 

This account is paid in full!! 

Im buying a house and you guys are slowing me up! This was paid Months ago!!
Consumer complaint received 2024-05-15
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: BARCLAYS BANK DELAWARE (WA)

To whom this may concern : I am writing because I received a XXXX late reporting on my credit report due to misinformation that I received from XXXX of your customer representatives XXXX on XX/XX/XXXX. 
I called into the customer support line of XX/XX/XXXX, to inquire about why I received a {$29.00} late fee when I made my scheduled payment on XX/XX/XXXX, which is the due date. I realized I had the fee by logging into the Barclays app. I spoke with XXXX who stated on a recorded call that the fee was an error on the companys end and that he would remove the fee. Prior to calling in I had scheduled a {$300.00} payment because the app had stated that I needed to pay that amount to get my account current. I asked XXXX about that and if I needed to make that {$300.00} payment or if he had corrected the error. He stated I did not need to make that payment and that the account would update soon and therefore I asked him to cancel the {$300.00} payment since he made it clear it was not necessary. 
On XX/XX/XXXX I saw in my app that it was still reporting I had a balance, so I called in again and spoke with a representative who finally explained that what happened was I did not pay the minimum payment of {$280.00} in XXXX. I made a {$200.00} payment because I was under the impression the minimum payment was {$180.00}. She explained that I would need to make another payment of at least {$200.00} to be current. I then went into the app and scheduled the payment while on the phone with her. She let me know that would cover XXXX payment but that I would still need to make another payment before XX/XX/XXXX to cover XXXX payment. 
Had XXXX explained on XX/XX/XXXX that the reason I received the late fee was because I did not make the minimum payment, and not that it was an error on the companys end. I would have made the rest of the payment that day and/or I wouldve made the {$300.00} payment I had already scheduled. He assured me that it was not needed and subsequently canceled that payment on his end.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Last year XXXX I did a payment plan. They are claiming that I did another one this year in XXXX 2024 which is called the balloon. 

I spoke to XXXX today in resolutions and he couldn't even tell me if call was recorded, I didn't do this. 

He couldn't tell me when paperwork was sent. 

XXXX said he had to call me back XX/XX/year>. 
Capital one reports my payments to credit bureau when I pay on time. 

Capital one are crooks. 

They don't do the billing properly
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). XXXX continuing to report this information is collusion with Capital One to violate my consumer rights and is grounds for legal action/arbitration.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (AZ)

CredCo XXXX XXXX XXXX. 

It is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} 2 Defamation of character {$1000.00} 3 Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} 5 Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: CAINE & WEINER COMPANY, INC. (VA)

**Issue 1 : This " company '' has been sharing non-public information with the credit bureaus and this violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. 

**Issue 2 : I have requested VALIDATION several times and the " company '' has yet to provide me with anything bearing my signature or proving that I have a contract with the company they are allegedly collecting this debt for. The previous document received lacks essential details and fails to provide conclusive evidence of the alleged debt and that it belongs to me. 

**Issue 3 : The validation, or lack thereof, they sent and the amounts they are reporting to the credit bureaus do not add up. The company responded on XX/XX/2024 stating that I owe XXXX. However, they have one alleged debt on my credit report with a balance of {$220.00} and the other {$450.00} and one {$560.00}. The dates opened and other information across each of the bureaus are also different. 

So, again Caine and Weiner : 1.Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
7. Please provide the signed documentation, from me, giving you permission to release my non-public information. 

I have disputed this alleged debt with the credit bureaus and of course the company verified the debt. I have sent several validation letters. I have submitted a complaint with the XXXX, to which they responded, with the same computer-generated response. I am now escalating my issue to the CFPB and the FTC. Note : I am carefully documenting these correspondences in the event that I will need to seek redress in civil action for the financial and emotional distress this has incurred, if they continue to report with no regards to the law. I do not want your gaslight responses or mental gymnastics.
Consumer complaint received 2024-05-17
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. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I filed a complaint against Huntington on XX/XX/year> with consumer finance for money missing out my bank account which resulted in investigation. On XX/XX/year> I was sent XXXX $ XXXX XXXXXXXX. When I went to withdraw money Huntington claimed I couldnt and the money would be returned within 7 days. The {$300.00} hasnt been returned to me or hasnt been sent back to user. Huntington stole {$300.00} out my account before closing it due to my last consumer finance complaint. I believe this is retaliation.