davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (FL)

CFPB XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to file a complaint against Wakefield & Associates , LLC for engaging in unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. 

Nature of the Complaint : Wakefield & Associates , LLC is attempting to collect a debt from me ; however, they are engaging in the following illegal practices : - Unlicensed to Collect in Florida : Wakefield & Associates , LLC is not licensed to collect debts in the state of Florida, where I reside. This violates state licensing requirements and renders their collection attempts unlawful. 
- No Debt Validation : Wakefield & Associates , LLC has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my credit report, which is a violation of the FDCPA.

- No Dispute Opportunity : I have not been given the opportunity to dispute the alleged debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This further violates my rights under the FDCPA.

- False & Misleading Statements : Wakefield & Associates , LLC is using false, misleading, misrepresentative, and deceptive means to collect the debt. This violates 15 USC 1681-S2 ( 7 ) ( A ).

- Unauthorized Reporting to Credit Bureaus : Wakefield & Associates , LLC has reported the debt to credit bureaus without providing the required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Additional Requests : - I revoke all rights of Wakefield & Associates , LLC to communicate with me through email, text messages, or phone calls.

- I request debt validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

- I request a copy of the purchase agreement between Wakefield & Associates , LLC and the original creditor.

- I request proof that Wakefield & Associates , LLC is licensed and bonded to collect debts in Florida.

Desired Outcome : I request that the CFPB investigate these violations and take appropriate action against Wakefield & Associates , LLC. This action should include : - Ordering Wakefield & Associates , LLC to cease and desist from all further collection attempts until they comply with the FDCPA and state licensing requirements.

- Ordering Wakefield & Associates , LLC to remove the inaccurate collection information from my credit reports.

- Awarding appropriate damages for the harm caused by their illegal practices.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-28
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. (UNITED STATES MINOR OUTLYING ISLANDS)

After filing a dispute with XXXX about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

We, the undersigned parties, are co-signers on a lease agreement. We have recently discovered that our accounts have been sent to a debt collection agency, which has negatively impacted our credit reports. This action was taken without any prior notification, calls, emails, or letters from the debt collection company, denying us the opportunity to address or dispute the alleged debt before it affected our credit. 

Timeline and Actions Taken : Tenants received no communication from the debt collection company regarding the debt. There were no attempts made by the company to contact the tenants via phone, email, or postal mail. 

Refusal to Communicate : The company has refused to speak with XXXX of the co-signers, my father, about the debt, despite him being listed as a debtor. This lack of communication has prevented us from understanding or resolving the alleged debt. 

On XX/XX/year> : I personally reached out to the debt collection company, leaving a message to inquire about the debt and request communication. As of this writing, there has been no response from the company. 

After Initial Contact Attempt : We requested verification of the debt. In response, we received only a ledger from the company, which lacked any detailed information, such as the contract, names of the debtors, or specifics of the charges. This document did not provide the necessary information to verify the legitimacy of the debt. 

Access Issues : We attempted to access the company 's online portal for more information but were unable to do so due to the requirement of a PIN, which was never provided to us in the letters ( additionally, no tenants received any letters at any point in time. We have attached the letters that the cosigners received, which display no pin ).
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (IL)

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others.
Consumer complaint received 2020-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX  XXXX Date opened- XX/XX/XXXX account # XXXX remaining balance was- {$820.00} charged off in bankruptcy new reported credit shows it under another agency now LVNV Funding LLC XXXX Collection on - XX/XX/XXXX account # XXXX Balance- {$820.00} Original Creditor : XXXX   XXXX XXXX  Status- In collection This account should not be on my credit report and was already charged off on my bankruptcy. Please remove off my credit.
Consumer complaint received 2024-02-26
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (KY)

XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " CREDIT ACCEPTANCE '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " XXXX  XXXX XXXX  '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from my report.
Consumer complaint received 2020-06-15
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. (CA)

Today XX/XX/2020 I was made aware of two accounts reflecting badly on my credit report. The accounts are from these companies XXXX XXXX XXXX & XXXX XXXX XXXX XXXX. The reason these accounts were brought to my attention is because I applied for a XXXX XXXX  credit card and I was denied due to these accounts. Neither of these accounts belong to me and I did not allow anyone to open them in my name. I did not get anything as a result of these accounts being opened in my name without my permission such as money, goods, services or any other benefit and I never took part in any purchases or payments made towards these accounts. I do not have a written/verbal contract with either of these companies and I never authorized them to run or access my credit information. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

My account was sold from XXXX XXXX to Rushmore XXXX  XX/XX/XXXX. Prior to this transfer, I contacted Rushmore in XX/XX/XXXX to explain that I was being assisted through the Hardest Hit Fund for mortgage payments. I was told that there was nothing to do at that time because there was no loan number to research and that I would be receiving a welcome packet with the loan number. In XX/XX/XXXX, Rushmore was still unable to provide any assistance due to the account not being transferred to their office. In XX/XX/XXXX I started to receive foreclosure letters, approximately three in total when I was advised by Hardest Hit  that they were in contact with Rushmore and was awaiting documents from their office to resume payments. 

I would like this harassment to stop immediately. This is the beginning with a new servicer and I am extremely stressed that this is starting to be a repeated pattern as before with XXXX XXXX XXXX. 

Hardest Hit emailed me an update on XX/XX/XXXX, that my loan will be brought current on XX/XX/XXXX in the amount of {$1900.00}. According to Hardest Hit, this confirmation was also sent to Rushmore XXXX.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (CA)

A debt collector company send me a letter that i debt off {$2000.00} for service on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX. Now they send me a letter on XX/XX/XXXX 5 years later that i own them money i have medical until XX/XX/XXXX and i have a bankruptcy i went last year to the hospital for check up they didn't said anything. 

Have receipt off hospital Pictures of medical And bankruptcy That's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX Pictures available
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I submitted a complaint number XXXX I'm adding important document that is imperative to this complaint also when I spoke to them and made my last recent payment they said I was 11 payments behind ( not correct I'm up to date ) and I received a tax bill from treasurer office that my property tax is not paid which shell point is supposed to make the payment
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Offered {$200.00} credit when achieve {$2000.00} in charges in three months. Was shown if I used the new card in an airline ticket purchase (  which I did ), the actually amount of the Ticket cost of would be {$200.00} less. There was also an offer for air miles to be credited. Just called the cc to ask the status of the credit and I was told I didnt have that as an offer on my card account.
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (AZ)

For starters American Credit Acceptance is saying that I don't have any payments made on the car loan for a XXXX  XXXX XXXX  from XXXX XXXX. But if you go to their website and put in the same email address and password that I used to register with you guys, you will see under their transaction history that some of the payments were not returned to my friends who thought I was getting a raw deal. Under their transaction history there are XXXX payments of XXXX which total to XXXX then they are XXXX payments of XXXX which total to XXXX with both of them together total to XXXX and when you subtract from the price of the car there remains an overpayment of XXXX. Since I made two payments with my chase account and my friends all used XXXX  XXXX XXXX they are saying that I didn't make any payments for the car which I did. I expect to receive the refund by cashier check and the title of my car within the next week or two since it shows that they are in complete error of their data unless they are hiding something from me that they are not showing on their website which is fraud that in itself. Please help me out with this. Thank you.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One extended credit to me through an offer that I utilized to be granted a {$750.00} credit limit on a credit card account number XXXX. However, by the end of 2016, I realized that I could not afford the card and called Capital one to cancel the card through customer service ( i.e., an option offered in the original terms ). They refused to cancel the card! 

So, I tried to pay off the balance with the intention of having it paid off, and not using it would force them to close it. I was overcome by the continuous increments in monthly fees. The balance on the card ended up being twice the credit limit!!! By law, after XXXX days of non-payment the card was supposed to be charged off ( i.e., written off as a bad debt by the company. That would become a deduction for the company from the IRS. The debt was later charged off with excessive fees and sold to different collection agencies. Over the years, it is now with XXXX XXXX XXXX, XXXX. 

Capital one made a profit by charging off the debt. Then sold the debt and made more money. Meanwhile, not reporting the correct dates when the debt was charged off and sent to collections. By changing collection agencies, Capital one has kept renewing the debt beyond age. How does a {$750.00} credit line become {$1400.00}? I couldn't use the card but my fees kept going up. That is almost twice the amount of credit extended. That is theft! It is inaccurate and unfair. Please help me.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having an issue with my credit profile on Transunion and have been trying to work this out for years. 
I currently do not have a credit profile with Transunion, I do with all the other credit bureaus. 
I have been in the US for 8 years. I have a XXXX XXXX I have many bank accounts and credit cards, I pay taxes, I own a home. And yet, Transunion will not acknowledge my existence. 
I have repeatedly contacted Transunion and sent over via mail : proof of SSN, proof of residency and copies of IDs. Most recently Ive done so in XX/XX/2020. 
In an attempt to sort out the issue I recently spoke to a XXXX credit bureau specialist, as I use their credit card. He mentioned that hes seen issues with 2 letter names on Transunion. I then contacted Transunion again and they finally confirmed that there is absolutely no information being collected under my social security number, quite possibly due to my first name being only 2 letters. I was even told by the Transunion rep that my name is too short and in fact its not even a name, its a conjunction. 
My legal name is XXXX, its a very common name where I come from. I do not have a middle name or any other name I can go by. 
Transunion is saying that the creditors ( XXXX, XXXX, XXXX ) are the ones that need to send the information another way. The creditors are saying they are doing everything correctly and its Tranunions system that is blocking my account.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Credit Corporation (NJ)

I recently within the past year came across some financial issues where I wasnt able to pay the majority of my bills. My credit card account with Avant was in perfect standing prior to my financial hardship, but once things got too bad for methe account became past due and was eventually charged off. Ive tried on multiple occasions to have this account updated, multiple disputes and they will not budge. Theyve charged an outrageous amount of fees when I stopped using the card long time ago. I am in the process of trying my best to pay back most of the things I owe and I can not afford to pay {$800.00} of a credit that originally had a {$500.00} limit!
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Myself and apparently hundreds of others have attempted to file a dispute claim with Transunion but the online dispute option does not show up randomly. I have requested that TRANSUNION remove an account from XXXX XXXX XXXX that I was removed from being an authorized user and thus my responsibility has been terminated and I am not responsible for this account. As such, I am requesting this account be removed immediately as it is causing inaccurate information and severe damage to my credit standing.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

My XXXX  benefits on my American Express cards are not correct. I have called American Express several times and none of the representatives can answer my questions regarding my XXXX benefits. The representatives have told me several times that they put in requests in for someone to call me so we can discuss my benefits, but no one ever calls me. I have also made 3 complaints with Consumer Finance and nothing is being resolved. I am trying to get this resolved without getting an attorney. I just need someone to call me at XXXX.
Consumer complaint received 2022-03-01
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)

Some one stole my identity and applied for a store credit card in my name. I called the company and the verified and sent me paperwork stating the application was fraudulent. Who ever applied for the card it was was a hard inquiry which is still on my credit report and its affecting my score.
Consumer complaint received 2020-04-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Absolute Home Mortgage Corporation (WA)

Hello, I purchased my first home using the VA home Loan in XXXX XXXX, Florida on XX/XX/XXXX for {$190000.00} dollars. 

I discovered in late XX/XX/XXXX the seller, XXXX XXXX the realtor, XXXX XXXX  with XXXX XXXX XXXX, XXXX Florida ( when I bought my home she was using the business name XXXX XXXX ) the listing agent, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida and the mortgage broker, XXXX XXXX with XXXX XXXX XXXX, XXXX Florida ( was with Absolute Home Mortgage XXXX XXXX, Florida at time of purchase ) used a fraudulent home inspection document to push the home sale through using a fraudulent home inspection report and fraudulent inspection company. 

I also have reason to believe there was not an authorized or legitimate VA home inspector that was used for the home and the document used was also falsified by the realtor and the mortgage broker. 

In late XX/XX/XXXX I discovered massive structural damage to all the exterior walls and the master bathroom. These serious issues wouldve been caught with the house if a legitimate home inspection report had been used. 

By the end of XX/XX/XXXX my home was declared by a local engineer as structurally dangerous. The XXXX County building department very soon after receiving the XXXX report, declared the home condemned until further notice and ordered me to leave the premises within 24 hours. 

My house is now considered unlivable and is a structural danger only 3 years after the purchase of this home using the VA Home loan. This event has caused an unbelievable financial hardship and unimaginable emotional distress since the discovery of this fraudulent and misleading transaction.
Consumer complaint received 2024-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: RoundPoint Mortgage Servicing LLC (ND)

My existing mortgage was sold from XXXX to Rounpoint Mortgage LLC in XX/XX/2024. I was notified by letter in XX/XX/2024 that my fixed rate mortgage payment would increase by $ XXXX due to a shortage in the escrow. My taxes and insurance both increased in the previous year, which left a shortage in my escrow account of {$230.00}. They are requiring me to pay {$2000.00}, and can not explain to me why I have to pay so much more than what the shortage actually is. They said they are sending me a copy of my escrow payments from the previous year and I have not received anything. 
I have read many, many reviews of this company. It is universally regarded as a scam company. Many customers who did not choose them as their mortgage provider, report several instances of Roundpoint taking money from their escrow and not paying their insurance. When trying to contact a representative from Roundpoint, they are met with the same response I received, mainly nothing. Roundpoint routinely says they will get back to them on the matter and nothing comes of it. 
A quick view of the company on XXXX shows fraudulent handling of money, zero customer service. 
I am only one month into dealing with this company, but I am already having problems with their zero customer service, and I would like a hand fixing this before I get to the part where they start mishandling my money. 
In closing, I don't know where they came up with {$2000.00}, and they can't/wo n't explain where they came up with the number