davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (NY)

CFPB XXXX Complaint concluded : We reviewed your complaint and weren't able to forward it to the company for a responsebecause the company is not on our complaint system. 

Please advise why TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX are excluded in your complaint system? 

In response to your communication : The CFPB can't give legal advice or represent individuals in legal matters legal advice or representation was never requested as alleged. 

Furthermore, please advise that TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX have been added to CFPB complaint system and that they have been notified of the CFPB XXXX Complaint.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00}
Consumer complaint received 2021-06-23
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: ERC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (NJ)

Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by Discover for the following accounts on the following date ( s ) : late payment dates suggested are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.
Consumer complaint received 2021-06-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio has not provided proof of the alleged debt nor a contact bearing my signature on the original contract of agreement with this company. I do not owe any debts to this company. This company is reporting inaccurate and unverifiable information to the credit bureaus with account number XXXX, XX/XX/2016. for {$930.00}. i have investigated recent history on this erroneous company which proves this debt collection company to report and collect on inaccurate debts. I am demanding Portfolio to stop all collection attempts and delete this erroneous debt from my credit report immediately or i will have to take legal action. 

Portfolio Recovery Associates illegally attempted to collect debt that they knew, or should have known, may have been inaccurate or unenforceable. Specifically, the CFPB found that the companies : Attempted to collect on unsubstantiated or inaccurate debt : Portfolio Recovery Associates stated incorrect balances, interest rates, and payment due dates in attempting to collect debts from consumers. The companies purchased large portfolios of consumer debt with balances that sellers claimed were approximate or that otherwise did not reflect the correct amount owed by the consumer. Sellers also warned the companies that some of the debts they were buying may not have the most recent consumer payments deducted from the balance. Some sellers also represented that documents were not available for some of the accounts. The companies continued purchasing from these sellers and then collecting on that debt without first conducting any investigation to determine whether the debts were accurate and enforceable.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (KY)

Lender illegal reported to my credit as a auto  REPO  when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it.  Regency Financial turned  my money loan into a  AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!
Consumer complaint received 2024-04-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Jennifer McCoy, PC (TN)

I was working at XXXX XXXX XXXX back in XXXX and I found out I was being garnished. I called the law office to found out what I was being garnished for. She told me for I car I had back in XXXX or XXXX. I explained to her that the car was stolen and totaled and I police report was made. I gave the car to my sister who was a co-signer on the vehicle. She was at the store and went inside and came back out the car was missing. She filed a police report that day. Later that day we found out the person that took the car was in a high speed chase and the car was totaled. I l never was served a court order or anything to go to court about anyone garnishing my checks. I reached out to the law office asking if I could do a payment arrangement, she stated I needed to pay {$3000.00}, I didnt have {$3000.00} I had just started back working after being on a XXXX XXXX XXXX leave due to XXXX  XXXX. She had already taken almost {$2000.00} at that time, I asked if that amount could be added she said no and I needed to give {$3000.00}. I later in XX/XX/XXXX left XXXX XXXX XXXX due to XXXX  stress from the job. As of yesterday, XX/XX/XXXX they have garnished my bank account they took everything I had. They took {$3700.00} literally all the money I had to my name from my federal income taxes. I dont make a lot of money I only make {$15.00} a hour and they took everything they didnt leave me anything. That was money to pay my bills and rent is going to be due on the XXXX. I have no extra money to help with my bills now because theyve taken it all from me.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (WA)

These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$1400.00} Original Creditor : XX/XX/XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; XX/XX/XXXX >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX WAYPOINT RESOURCE GROUP LLC # XXXXXX/XX/XXXXXXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXXXXX : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kason Credit Corporation (CT)

Kason Credit is attempting to collect on a debt which was supposed to be paid by my health insurance, XXXX. The amount, {$830.00}, was paid prior via money order, sent to creditor directly, copy of which is not available. Kason is the second collection agency attempting to collect on this debt, a prior collection agency, XXXX, appears to have sold account to Kason. I requested Kason ceasse and desist in a prior complaint, did not acknowledge request.
Consumer complaint received 2024-04-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Best Service Co.,Inc (WA)

These collection companies are reporting that I have an open account which is not under FCRA compliance. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate UpdatedXXXXOriginal Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status XXXX >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection<Date Closed:XXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX XXXX XXXXE XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility XXXX Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXX Updated:XX/XX/XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX and Transunion continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

Experian dropped my XXXX score by XXXX points for no reason. I have provided information from their website and it clearly states in the comments that the things they pointed out were to help my credit.
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Fraudulent accounts as a result of identity theft pursuant to 15 USC 1601, 15 USC 1681 and 15 USC 1692 are as follows : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX. 

Credit Reporting Agencies ( XXXX, XXXX  and TRANSUNION ) continue to report on one or more of these fraudulent accounts despite receiving an Affidavit and Debt Validation letters via the US postal system with written instructions of how to write my consumer report within the confines of legality and to prevent further damage. These fraudulent accounts are causing me injury, economic strife and clearly violates many, many federal laws.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I have opened a Binance-US account to buy crypto currency. For unexplained reasons I have not been able to withdraw either XXXX currency or transfer my coins to a wallet for months. I keep getting an error " withdrawals suspended due to risk mitigation. '' I have emailed them on numerous times. I have tweeted them and tried to contact them on XXXX. There is no response. If you go to the r/BinanceUS or r/binance on XXXX you will see XXXX of complaints. No one is able to get through to these people. There is no phone number. If you email more than once they indicate they will push you to the back of their queue. This is concerning. I have tens of thousands and if cryptos go up in price I could be out hundreds of thousands. My current balance as I write this email is XXXX but this was as high as {$40000.00} when prices were higher. I can't withdraw my money. Also, they filled a limit order at market price, forcing me to buy XXXX token at {$46.00} instead of {$30.00}. XXXX token is trading at {$29.00} today. I think they are a scam service and they are ripping people out of thousands and thousands of dollars. I hope you can help.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Due to contracting XXXX in XX/XX/2021, requested forbearance on mortgage from Mr. Cooper. That was granted. The forbearance timeframe was extended twice. During the time of forbearance the following occurred. 

Four full monthly payments were made to keep the total owed at end of forbearance manageable. 
Application made for loan modification one month prior to end of forbearance Spoke with agent XXXX in Texas on XX/XX/2021 requesting status of loan modification based on the fact that the website only stated no payment due amount and that account was with underwriters this had been the case for weeks. I was informed by XXXX to wait for my loan modification paperwork. XX/XX/2021 and the paperwork has not arrived. 
Tried to make payment online on Mr. Cooper website and the website states I can not make payment until the full outstanding account balance is paid. A total of {$19000.00} this is at the time that I am supposed to be filling out documents for a mortgage modification Spoke with agent XXXX in Arizona on XX/XX/2021 @ XXXX XXXX. At that time I was informed that I had to fill in my paperwork for loan modification online within a short timeframe. In addition she claimed that I had been denied a previous loan modification from Mr. Cooper. This is patently false. Mr. Cooper agent asked me in the past if I wanted a loan modification. I would not consent over the telephone and asked for documents to be mailed for me to look over the terms. I never agreed nor did I sign a modification aggreement. 
I have mailed all payments in the full amount of my monthly payment as agreed. When I printed out my payment activity, funds were applied in the amount proposed for the loan modification I never agreed to. The difference was added to unapplied funds. 
I have now been invoiced for the full outstanding balance after forbearance of {$19000.00} I am a senior citizen on a fixed budget that has been continually fending off this mortgage servicing company.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was fully approved for an SBA loan with XXXX for XXXX XXXX XXXX ( XXXX XXXX ) which went into a financial crisis during the pandemic. In the process of trying to recover XXXX XXXX and purchase another vehicle to get back to work with the funds provided the bank ( Capital One ) interfered by freezing my account for CPR investigation.When all documents requested were sent followed by an email from the lender ( XXXX  ) confirming approval my funds plus my refund deposit were still withheld. Due to this issue, my company is unable to prosper.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit report.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We had our XXXX mortgage loan taken over by Select Portfolio Servicing.

They are located in Utah. 
We have had substantial income loss from Covid, because my husband buys at estate sales and then re-sells on XXXX 
His business is still down by 40 %, because there have been no sales and also because of health concerns. 
At first SPS helped us by giving us a forbearance, then they deferred 6 payments, which tacked over {$19000.00} to our existing balloon payment, due in 17 years. 
That was great. 
We were able to pay our mortgage for the last few months, because of the help we received in the form of government stimulus money. 
My husbands business is still struggling, so we asked for Loan Modification help. 
After 3 months they have turned us down. 
This is because our loan is owned by investors and we have about {$300000.00} in equity. 
The only option listed for a modification, was a 40 year 3 % loan modification, which would have replace our current loan, raised our monthly payments and lengthened the loan term by 23 years. 
They did not offer us the standard loan modification that was given to us by XXXX before, which is the formula used by XXXX XXXX & XXXX XXXX 
We had expected that they would offer a modification that would start at 2 % and gradually tier up to 3 %, which is the current Mortgage rate. 
That would have helped us substantially for the next 17 years. 
We could have then either refinanced, or done a Reverse Mortgage. 
I do not know why investors are allowed to put making money over helping people in trouble. 
They sent us Short Sale Paperwork as well. 
If things get worse, we can sell the property ourselves. 
The whole point was to be able to stay in our home. 
My husband has taken on an extra job, which is going to be very hard on him. 
That is our only solution, besides selling and moving out of our home. 
I think these investor loans need to be pressured to help people in trouble if possible, by using the Government Modification guidelines. 
I do not know how they can be so heartless and get away with putting home owners in jeopardy. 
Your Bureau needs to address this problem, because I am sure that we are not the only ones going through this
Consumer complaint received 2021-03-18
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.