davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

Received request for debt payment from Columbia Debt Recovery ( dba ) Genesis Credit Management. Requested details on debt and no information provided. 

Columbia Debt Recovery has reported a debt in my name to credit agencies in the amount of {$5700.00}. 

Genesis Credit Management has reported a second debt in my name to credit agencies in the amount of {$5800.00}. 

I do not owe either of these companies any money and my credit score has dropped XXXX points since they have reported. No validation of the debt has been provided and they are attempting to collect a debt in a state in which they have no license ( New York ) to collect debt. I spoke with them yesterday to let them know the debt is not mine and to stop reporting it to credit agencies and they refused.
Consumer complaint received 2019-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On the date of XX/XX/XXXX at XXXX I entered into a recorded verbal phone conversation with Capital One Auto Finance, known as COAF on my credit report. I informed them I was reviewing my credit report and noticed two inquiries that I did not recognize. I asked them if they could verify the inquiries as authorized or unauthorized, meaning in accordance with the FCRA laws they must have my signature. The male representative did verify they have no record of the inquiries listed on my credit report of the date of XX/XX/XXXX and XX/XX/XXXX. As well, he verified there is no signature that exist for those inquiries. I demanded that the company delete the inquiries then. So, he told me I could dispute it by mailing in certain information. I then explained to him I will not pay for mailing and out put my own money for disputing an inquiry that was never mine in the first place. So, when he refused to give me an email address that I could send all the information requested to, I then informed him I will be filing a complaint with the Consumer Finance Protection Bureau, XXXX, XXXX, and XXXX.
Consumer complaint received 2018-09-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Good evening. I am having issues with Experian. I uploaded several documents to Experian Upload on XX/XX/XXXX. Someone later I received a letter advising they were going to reinvestigate the companies without new information. So, I contacted Experian on XX/XX/XXXX to clarify my request. The Rep advised there was an error and she would re enter and backdate to XX/XX/XXXX. I called back on XX/XX/XXXX to ensure all the companies were listed and I would receive Method of Verification. The lady advised no such thing was available and she vould send thier general process. I advised that was incorrect and I wanted to speak with a Supervisor. Upon speaking to XXXX XXXX XXXX the Supervisor he advised again Method of Verification is not available. He advised a system is used and my completed dispute is my Verification. I asked how does the customer know you really verified the information listed on my credit report is accurate? Again he said the verified dispute. I have 2 issues with that. One the same creditor is listed different ways on all 3 credit reports. Two according to FTC and the bottom of my credit report days, I have the right to request information regarding how an account was verified. As well they cant just parrot information they must make a reasonable effort to verify information.
Consumer complaint received 2018-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I got me credit reports and noticed a derogatory remark on my XXXX, Amsher collection services and I have no idea what is this. Account shows that it was open on XX/XX/2013. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
Consumer complaint received 2024-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

These accounts went to collection after the original owner discharged them. I do not have a contract or agreement to pay any of the collection agencies below and I would like these accounts removed from my credit report and all collection actions seized. 

XXXX XXXX XXXX Last reported XX/XX/2024 {$2900.00} Open balance XXXX  XXXX XXXX Original creditor discharged balance LVNV FUNDING LLC Last reported XX/XX/2024 {$3500.00} Open balance XXXX XXXX A XXXX XXXX Original creditor discharged balance XXXX XXXX XXXX Last reported XX/XX/2024 {$5800.00} Open balance XXXX XXXX XXXX Original creditor discharged balance LVNV FUNDING LLC Last reported XX/XX/2024 {$25000.00} Open balance XXXX XXXX XXXX XXXX Original creditor discharged balance LVNV FUNDING LLC Last reported XX/XX/2024 {$25000.00} Open balance XXXX XXXX XXXX XXXX Original creditor discharged balance
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management contacting me about a debt that i allegedly owe to XXXX XXXX XXXX I have asked them to verify this debt as per FDCPA they have not done that. I have no contactual agreement with them, I do not owe any money to them. They are in violation of FDCPA yet they are sending me threatening letter to sue. I am very distressed I would like for them to show me how I owe them this amount in detail or Cease an Desist all communication and effort to collect this alleged debt. 
I have done some research on this particular collection agency they are clogging Georgia court system with hundreds of law suits, in many instinct in violation of collection law. it is about time some one pays attention to their collection practice and give relief to consumer who are already in trouble during this unprecedented time
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: C & M Associates Group, Inc. (AL)

I keep receiving calls from C & M associates phone number XXXX XXXX XXXX. They do not explain to me why they are calling just start trying to verify my social security number and start asking if ____ is my spouse. I do not currently have any owed debt and have bankruptcy in the past.
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Hello there, There is a fraud debt collection goin on my account. i havent applied to XXXX XXXX nor having i sign anything. There is a police report involve of identity theft .. Also there I was staying at an place at the time so there wasnt any need of applying
Consumer complaint received 2019-05-14
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. (MS)

I have filed multiple disputes with Experian regarding XXXX XXXX Bank credit card accounts which have been legally extinguished by operation of Mississippi law, MS code annotated at 15-1-3. I have also noted in the multiple disputes that the actual dates of first delinquency as defined by the FCRA and affirmed in FTC advice, and control reporting are beyond the seven year allowed time period for negative reporting contained in the FCRA. XXXX accounts well over eight years past the date of first delinquency and the other XXXX are well beyond seven years, also well past the seven year allowed time for negative reporting in the FCRA. 

Experian recently in its response to an earlier CFPB complaint simply sent a template response without addressing the conditions of the complaint, nor the evidence submitted in my disputes to Experian and in the prior CFPB complaint which was a notice from XXXX Bank, the FOI of the XXXX extinguished and obsolete accounts which clearly demonstrated the actual dates of first delinquency which are beyond the seven year time period in the FCRA and as such make the accounts obsolete. 

Experian is obfuscating their obligations under the FCRA and continue to simply parrot the response of account verification by XXXX in direct contribution of the XXXX Bank notice, and not only have failed to perform a reasonable investigation, but have not even addressed the evidence in its prior response to my CFPB complaint
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

Several times American Express offered me 0 % interest. I finally took them up on that. When it was over, Hurricane Irma had just hit and I have 2 properties in Florida. When I called about something else, they informed me I would now get 0 % " until further notice '' on TWO different calls that was confirmed! Suddenly, in XX/XX/XXXX, I began accruing interest and finance charges to the tune of now almost {$3500.00}! I have always paid off my balance every month and refuse to carry a balance or accrue interest. I consider myself extremely detail oriented and I would like someone to listen to the audio calls where these agents told me these things. They have credited back a portion of the fees but a remaining {$2000.00} is still disputed. Every time I call I am told something different than the last agent. It seems their agents are not trained properly and are misinforming clients. All I want is for the finance charges and interest that they promised to credit back, be completed. From there I will go back to paying my balance in full every month as I have for 17 years. I was not in need of the 0 % but it sure did help since my rental property in XXXX XXXX went 4 months with no rentals due to the hurricane. If I had thought I was going to have interest charged I NEVER would have carried a balance, or if I was told a DEADLINE I would have paid it off before that. I just now discovered in going through past statements to report this, that they have another {$100.00} accrued over the months during which i had 0 % interest! I had paid it off until XX/XX/XXXX. My 0 % interest was from XX/XX/XXXX-XX/XX/XXXX. How, if my balance was paid IN FULL through XX/XX/XXXX, can you start charging for a small portion of the balance during 0 % interest time?
Consumer complaint received 2024-03-23
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: FMA Alliance, Ltd. (TX)

FMA Alliance contacted me by mail regarding an alleged debt from XXXX XXXX XXXX XXXX. I responded in writing, and informed the company that I disputed the debt. Nonetheless, FMA Alliance and XXXX XXXX have repeatedly attempted to contact me about the debt without providing any further information.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bryant Bryant & Associates LLC (MD)

They called me, my grandmother and my uncle. They threatened my uncle and cussed him out. They told me that they would put a writz on my business, come up to my job, and persecute me to the highest level of the law. They were very rude and disrespectful.
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

my beginning balance back in XXXX was XXXX and I requested a payoff amount and the pay off amount as of XX/XX/XXXX is XXXX, this is fraud ; I should have equity on my home loan after paying for 13 years on it. The loan first started with XXXX XXXX. Please help me.attached is teh pay off letter and the main page of the loan I signed for in XXXX.
Consumer complaint received 2020-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-13
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. (NJ)

On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX and TransUnion about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/XXXX and TransUnion Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

Original service provider -- XXXX XXXX XXXX XXXX collection company -- Continental Credit Control By law, it is my understanding medical bills are not permitted to go to collections before 180 days. What the original service provider and the collections company they are using are doing is illegal. 

First bill for this was on XX/XX/XXXX -- per my statement. Meaning we're only at 120 days, before the original service provider sent this for collection. Very well before the legal timeframe.
Consumer complaint received 2017-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In  XXXX     2017, I b egan the loan modification process with Bank of America after several months of going back and forth with several customer relationship managers I decided to undergo  the  short sale process. I spoke with then customer relationship  manager   in  XX/XX/XXXX  w ho stated that the file for pending loan modification would have to be closed as a short sale and loan modification could not occur simultaneously. My home was then listed o n  XX/XX/XXXX . I  completed a short sale packet BOA requested of me once they received notice of the listing and it was submitted the first week o f  XX/XX/XXXX . I was  then mailed a home loan assistance packet on   XX/XX/XXXX  to b e completed. My foreclosure date is schedule d for  X/X/2017 .   I  find it extremely unreasonable for the them request yet another packet to be completed and approved before the foreclosure date. I am desperate for help and I have been trying my hardest to do all that has been asked between the time the request for a loan modification was started in   XX/XX/XXXX  and  when I decided to list the property. I believe that Bank of America is not doing what the government says the lenders should do to provide foreclosure alternatives to me in a timely manner. Furthermore, I do not believe that the costumer service relationship managers failed to do what was needed to accurately inform me of the process.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have reached out to XXXX XXXX via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a XXXX XXXX customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( TransUnion, XXXX, and XXXX ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that XXXX XXXX is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with XXXX XXXX too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with XXXX XXXX. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with XXXX XXXX. 
I have been satisfied customer in the past and hope to continue a long relationship with XXXX XXXX, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (MI)

In XX/XX/2018 I sent a certified letter to Discover Card, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over XXXX months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, Discover Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY XXXX AND XXXX XXXX, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX XXXX XXXX female with such XXXX  health issues. I have lost weight, can't sleep, and my XXXX flare ups are severe. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

Dear CFPB official, I am writing to dispute the promotion for my TD Beyond Checking account. 

On XX/XX/XXXX, I opened a TD Beyond checking account at one local branch ( XXXX XXXX XXXX, XXXX, MA XXXX ). The representative who helped me open the account explicitly told me that I will be eligible for a {$300.00} bonus if I can make direct deposit totaling {$2500.00} or more within 60 days of account opening. He did not mention anything about online application. However, I have not received the bonus after I met all the requirements. I contacted TD Bank since XX/XX/XXXX about this issue and was told that the bonus is only for online application, which is inconsistent with what I was told when opening the account. 

After arguing with TD Bank multiple times, I was told on XX/XX/XXXX that my inquiry was forwarded to their Promotional Department Team for further review. I received the response today saying that the only promotions for accounts opened in the store was the Direct Mailer offer at the time of my account opening. Upon additional review, their records reflected that my address did receive a mailer, but it was not addressed to the signer who opened the account. Thus, my account does not qualify for their bonus. However, I have never heard about the Direct Mailer offer by TD Bank. When I opened the account, I was clearly notified that I would receive the {$300.00} bonus as long as I meet the direct deposit requirement. 

I have no idea whether/how the representative who helped me open the account assigned promotional code. No matter what the problem was, I am the victim of the mistake and I should have been provided with the bonus that TD Bank promised me. I look forward to your reply and a resolution to my dispute. 

Thank you for your assistance!
Consumer complaint received 2021-02-26
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. (MO)

Sent evidence to Experian concerning an account I had with XXXX in XXXX XXXX XXXX  showing 31 days late when in fact evidence I sent Experian shows the payment was not 30 days late. Experian refuses to correct the error by XXXX on my credit report.