davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

Please visit this link for a detailed report : https : XXXX I have paperwork from Bank Manager XXXX XXXX that overdraft attempts will not be permitted on my checking account, yet they try to ram them through anyway. Please make them stop their illegal activity. XXXX is trying to charge without consent ( they are only allowed to use debt card, & only when I request the transaction, not 'automated ach ' or 'recurring scheduled payment ' things ), and Rabobank keeps letting them try to overcharge, which violates the 'Overdraft Protection Act Of 2013 ( H.R. 1261 ) & various other laws. XXXX is essentially trying to steal about {$380.00} from me this way, & Rabobank about {$170.00} in fake 'overdraft fees ', total about {$550.00}. Unfortunately your complaint form deletes return spaces between paragraphs, making things into 'annoyingly unreadable monoliths ', which makes them harder to read & understand, so I have posted the complaint online with additional details ( which will be updated as new information is available ) at this web address. Please visit this link to read the complaint details : https : XXXX
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (OH)

I received an alert from XXXX  that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed XXXXXXXX XXXX XXXX. Then to Nelnet/Dept of Ed Student Loan Service. XX/XX/XXXX, of each year, a deferment was applied for and awarded.
Consumer complaint received 2020-05-21
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: Account Brokers Inc. (CO)

XXXX  is reporting 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Collection Agency Violating Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Columbia Debt Recovery LLC , regardiXXXX their violation of my consumer rights under the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). Despite my repeated requests, Columbia Debt Recovery LLC has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Consequently, they have placed a collection entry on my consumer report without furnishing the necessary validation information, thus infringing upon my rights as a consumer. Furthermore, I have not been afforded the opportunity to dispute the account in question as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The failure of Columbia Debt Recovery LLC to adhere to this regulation denies me the fundamental right to challenge the accuracy of the reported information. It has become evident that Columbia Debt Recovery LLC engaging in practices that are not only unethical but also illegal. Their actions include the use of false, misleading, and deceptive means, which directly violate consumer protection regulations. Moreover, Columbia Debt Recovery LLC has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law, as stipulated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their disregard for these legal obligations is a clear violation of my consumer rights and undermines the integrity of the credit reporting system.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2020-07-14
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. (GA)

I've disputed the following account several times directly with XXXX and with Experian credit bureau. This account was removed and reinstated by Experian. The representative from XXXX refused to respond to me as to the validity of the account. Experian claims that they are verifying the account, although they refusing to show me any proof of who they talked to or how they verified the account 's accuracy. 

XXXX XXXX  XXXX Experian XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$21000.00} No. of Months ( terms ) : 60 High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$21000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (FL)

Innovis has been great, the only reason for me to submit this through CFPB is for documentation. According to CFPB XXXX there is no longer a file to maintain. I have an online account that I am able to still access - I am asking for this to be permanently deleted from the Innovis database ie my username, address and any other contact data. I will use this company response as my documentation for my personal file.
Consumer complaint received 2019-05-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

Americash issued a loan to me in access of 22.5 % of my gross income which is more than the legal amount for IL My gross income is XXXX and the max amount allowed is XXXX The interest on this illegal loan is contractually void Americash was aware of a first installment loan i had taken out in XX/XX/XXXX, which also disqualified me for a new loan based on my income. 

The contract is void as it violates IL laws Illinois State Information Legal Status : Legal Citation : 815 ILCS 122 et  seq. 

Loan Terms : Maximum Loan Amount : lesser of {$1000.00} or 25 % gross monthly income. Payday installment loan lesser of 22.5 % gross monthly income or {$1000.00}. 
Loan Term : 13 to 120 days. Payday installment loans 112 to 180 day terms.

Maximum Finance Rate and Fees : {$15.00} per {$100.00}, plus a {$1.00} verification fee Finance Charge for 14-day {$100.00} loan : {$15.00} APR for 14-day {$100.00} loan : 403 % Debt Limits : Maximum Number of Outstanding Loans at One Time : Two Rollovers Permitted : None ( can not rollover ). Payday installment loan can be refinanced one time during term.

Cooling-off Period : 7 days after 45 consecutive loan days. Payday installment loan max 180 days in debt.

Repayment Plan : Yes. After 35 days, if payday loan unpaid, right to at least 55 days to repay in installments with no added cost.

Collection Limits : Collection Fees : One {$25.00} NSF fee ( Presentment limit = 2 ) Criminal Action : Prohibited
Consumer complaint received 2018-09-17
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: EQUIFAX, INC. (TX)

I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor thats showing. I've disputed in both XX/XX/XXXX and XX/XX/XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 for this account of XXXX XXXX XXXX XXXX was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me.
Consumer complaint received 2019-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

This company refunded the {$370.00} and then waited 5 days and then added it back on I have paid ahead to my XXXX payments but they are stealing money as I said there are not late fees the late fees were part of the original payment arrangements with the original lender not Mr. Cooper. This company is sneaking and lying. Here is a full list of the transactions were they have lied about not charging late fees and then charged them where they credited back this false charge and then re-issued it. I find it ridiculous and I wish companies were not allowed to sell mortgages without consumer agreement. This is a terrible company to deal with. I demand full refund of the stolen funds. They have stolen the money and I want it all out back on my account. I would never ever choose to do business with such a fraudulent entity.
Consumer complaint received 2018-02-14
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. (NC)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
Consumer complaint received 2024-03-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

I am unaware of this debt. I did not have the opportunity to dispute this debt information, if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it as well as my signature stating that I received it.
Consumer complaint received 2018-06-12
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: JPMORGAN CHASE & CO. (MA)

I sent XXXX proof that I cured the bankruptcy with Chase in XXXX. Attached. I filed bankruptcy in XXXX. Chase is erroneously indicating on my credit report that the debt was included in Chapter XXXX Bankruptcy on XX/XX/XXXX. 

I filed bankruptcy in XXXX. My credit report should exclude bankruptcy since I am in a Chapter XXXX in 7 years. The bankruptcy should be removed in XXXX but it is still on my report and they indicate it will stay reporting until XXXX which is 13 years after I declared bankruptcy.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Universal Capital Services, Inc. (NJ)

My husband and I have been trying to refinance our mortgage since XXXX XXXX, XX/XX/XXXX with XXXX MortgageLine, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The company has strung us along, all the while asking for repetitive documents and income statements. We have paid for an appraisal XXXX because the company took so long to process that the XXXX appraisal expired. Each appraisal was {$400.00}. My husband is in the XXXX XXXX and was away XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX. The broker implied this was XXXX of the reasons the refinance was taking so long, but my husband signed a XXXX for me to finalize everything. While he was in training, XXXX XXXX asked for more documentation proving his pay. Even though they knew the military pay was temporary, they said the full time work pay stubs were no longer applicable. When my husband returned to his full time employment after military training, we once again had to submit pay and tax returns. XXXX XXXX has checked our credit score multiple times, which is good standing. We have yet to have an answer of why the refinance is taking so long. XXXX XXXX is working with XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I recently downloaded the XXXX XXXX app because I want to get serious about getting my credit score up. That's when I saw the 2 items on my XXXX score.

1. Wakefeild and Associates opened XX/XX/2014 for {$940.00} and the original creditor was the XXXX XXXX.

2. Wakefeild and Associates opened XX/XX/XXXX for {$590.00} and the original creditor was also the XXXX XXXX.
Consumer complaint received 2024-01-30
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. (GA)

I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank you.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA
Consumer complaint received 2021-02-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK (CA)

As soon as we were impacted from the COVID-19 Pandemic, we reached out to the banks of our loans for COVID relief. 

TCF Bank in Minnesota refused, reported negative marks on my credit and harasses us with calls and emails, including former employers. They even updated their payment website in the middle of the pandemic forcing its customers to re-submit their account information. TCF Bank charged late fees when we were unable to make a payment using their previous system and their new system was down for 2 months ... claiming due to COVID19!! 

We requested in voice mail ( they are not available when you call in ), email and fax ; including providing documentation that is not required by Federal, our State or any other Forbearance plan that can be found. 

In XX/XX/XXXX, we were able to resume payments. However, we are still in an email battle with XXXX XXXX ( Retail Loan Supervisor ) without any relief. They claim " you have to call us and we fill out a form on our end, you can not submit the form yourself ''. This form asks for documentation not required by CARES or other Forbearance. We provided without the call as we can not connect on the phone. 

This is clearly a method to extort late fees from customers. 


Also note, this same bank received almost {$400.00} XXXX in us tax dollars from a government bailout back in XXXX!
Consumer complaint received 2018-06-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I figured I fixed the problem, I got this loan in 2014, and Im getting text message from a attorney XXXX XXXX stating that if I dont pay this loan back I will be arrested or go to court if I didnt pay {$1300.00} or go to court and pay {$17000.00}. But here is catch I can pay them an settlement of {$890.00}, now this text message I received was XX/XX/2018 at XXXX. I have to contact this lawyer at this number ( XXXX ) XXXX, but the text message came from ( XXXX ) XXXX. Thank you
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual  reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2016-07-29
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (NJ)

We operate a small business on the XXXX XXXX XXXX. A number of our employees do not have bank accounts and need to cash their payroll checks. We discovered that they were paying a substantial fee to cash paychecks at a local check cashing business. We advised them to cash their checks at the bank on which they were drawn. We were very surprised PNC charged them a {$10.00} fee per check. These fees amount to a significant percentage of an employee 's paycheck. It does n't seem fair an employee should have to work an hour just to cash their paycheck. The branch manager agreed to waive the fee for our employees given our relationship with the bank. However, I fear many other hardworking people are being subjected to similar predatory fees.
Consumer complaint received 2017-01-19
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FMA Alliance, Ltd. (TX)

Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.