davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

I have incurred a collection from XXXX XXXX that has negatively impacted my credit. The account collection was turned over to Jefferson Capital Systems. My credit report states that this account was opened XX/XX/2020 and the amount owed is {$1300.00}. I have never owned an account with XXXX XXXX and have no knowledge of this account. I have disputed this fraudulent account more than once with each credit bureau to no avail.
Consumer complaint received 2020-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (CT)

Commonwealth Financial has violated my rights under the FDCPA by failing to respond to my debt validation requests within 30 days.Their initial contact with me was on XX/XX/XXXX by email with an attached validation notice. My validation request was sent certified mail ( Tracking # XXXX XXXX on XX/XX/XXXX and I did not receive of response by mail until mid XXXX. I attached the late response letter Commonwealth sent me dated XX/XX/XXXX ( I excluded the second page with all the personal medical data ) along with the tracking and return receipt information for the validation request as well as the initial email they sent my on XXXX. Its also kind of alarming this company had access to my medical information when I never signed a release for them to possess it. Would this be considered a HIPPA violation under the law? I was expecting to receive documentation directly from the doctors office not the collection agency. If requested I will send you the full letter as proof if required but I would prefer not disclose medical documents.
Consumer complaint received 2019-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (WA)

I have had this loan with M & T Bank since XX/XX/XXXX, As of XX/XX/XXXX, they call me every month between the XXXX and the XXXX of the month even though I have NEVER missed a payment and NEVER have been late. I pay my bill with them directly through their website on the XXXX, plus I receive a paper bill every month. I spoke to my mortgage broker who advised me that the next time I call to mention the CFPB, which I did and the representative stated that they didn't have to abide by the CFPB and that they wold continue to call me.
Consumer complaint received 2019-06-05
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. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2019-06-05
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)

Equifax and XXXX  are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page XXXX of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-06-05
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS
Consumer complaint received 2019-06-05
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. (TX)

SOMEONE HAS USED MY INFO. TO OPEN A ACCOUNT WITH THIS COMPANY ( XXXX XXXX XXXX XXXX ) THIS IS NOT MY LOAN .. PLEASE HELP
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, Im having a problem with my paypal account. They email me that im no longer do business with them. It just happened XX/XX/2023. I know the rules of paypal and i don't do any violation. I'm a freelancer that doing a remote task with my customers. This business account i used to accept payments from my customers. I'm willing to provide my business information, proof of purchase and etc. 

Kindly help to resolve this problem. 

Thank you.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (TX)

I keep getting calls from XXXX. When I answer they ask me for my social, date of birth, and address. I refuse to give them my personal information, so I was told there would be legal action against. I have never received any letters from this company, before these calls. Its a lot of scamming going for on. I tried calling back, but they still wanted all my information.
Consumer complaint received 2019-06-05
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. (TX)

XXXX  and Transunion are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page 8 of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2020-05-04
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. (TX)

ftc violations XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX 3000 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting all the violations with experian
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WI)

On XX/XX/XXXX it shows that my property taxes were taken out of my escrow account and paid. Payment information was sent to XXXX in a huge batch and XXXXc was to pay. XXXX didn't send the money until XX/XX/XXXX. This has happened several years in a row. Why is it taking so long to send the money? I want my taxes paid in the same year.
Consumer complaint received 2019-06-05
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Massachusetts Educational Financing Authority (MA)

Received email below from MEFA : Competitive new rates We have great news. We just updated the details of our college loans for the XXXX academic year, and they include low, competitive interest rates to help you finance college costs. If you need to borrow a loan to pay for college, take advantage of the many benefits of MEFA Loans, including : Fixed interest rates starting at 3.95 % ( APR* 3.957.30 % ) No origination or application fee Multiple repayment options An easy, online application Visit our website to learn the important details and to apply. 

When I applied I was offered 4.4 % and my credit score is XXXX with XXXX   and XXXX with FICO. If I do not qualify for the low low rate, who does? They should have to disclose that applicants with a credit rating of 845  or higher receives the lowest rate or something like that. I think this is a classic bait and switch.
Consumer complaint received 2019-06-05
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. (AR)

I have attempted to resolve this issue with Equifaxfor several months. Equifax to violate the Fair Credit Reporting Act by reporting a bankruptcy on my credit report after they have failed to provide 100 % accurate verification. Equifax has not provided who or what means of verification they received to continue to report this inaccurate information to my credit file. I spoke with the local courthouse and they informed me through letter that they did not report any information to consumer reporting agencies. This inaccurate reporting is causing a major hurdle to my current financial well being and I would like this matter resolved promptly.
Consumer complaint received 2022-09-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc (FL)

My loan was conditionally approved and was supposed to close today so. I was informed yesterday that my closing wasn't going to happen, because I needed a new one 12 month mortgage history. My mortgage is reporting on my credit report, they have a fantastic day credit supplement showing current, they also have a letter from my mortgage company stating I've not been late on the mortgage. The payoff shows that the payment due is for XXXX. With an XXXX Accept, FHA does not require a credit card payment history. I know this to be a fact as I am also an underwriter. I have have provided all documentation required of me even while recovering from XXXX XXXX. This is very upsetting that after all this they are finding baseless reasons to not close my loan. As they have not provided any valid reasons based on agencies guidelines. The only reason I see for not closing my loan at this point is the fact that I am XXXX. There's no other valid explanation. I am also attaching a copy of the original loan approval that did not require a mortgage history.
Consumer complaint received 2020-02-18
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: CITIZENS FINANCIAL GROUP, INC. (MA)

In XX/XX/2020, I walked into a branch of Citizens Bank in downtown XXXX to address several charges on my demand deposit account. I was directed to speak to an agent. I did not note the agent 's name as I had no reason at that time to suspect anything was amiss. She told me one option to address my concerns would be to open a new credit card. She told me I could be approved right away and could transfer a balance from another card and that there would be zero percent interest for one year. She made no further oral disclosure. I do not believe I signed any disclosure concerning any " balance transfer fee. '' After I opened this credit card account, I saw an approximate {$180.00} transfer fee on the account. I tried to address this with Citizens Bank and was told, in effect, " we made a disclosure. '' I dispute this fact and consider the practice of emphasizing positive features of a credit card, while ignoring, concealing or disclosing only in " fine print '' in a quickly-presented electronic form -- perhaps with a catch-all " I agree to all terms and conditions '' disclosure, if one was made -- to be an unfair or deceptive act or practice.
Consumer complaint received 2020-02-18
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. (UT)

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX   balance.
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
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 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise 25 year perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (MO)

I have received multiple phone calls and text messages from " debt collectors '' attempting to collect this debt although this debt does not belong to me and I have been trying to get it removed. During the time I was on XXXX XXXX military orders and no permanent residency. 
FCRA In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (GA)

Experian refuses to remove a " Bankruptcy '' from my report. They claim to have verified with the clerk of courts as per my last conversation. I have provide multiple times a letter from the Clerk of Courts which states that they DO NOT report to credit reporting companies/third parties or provide any information. This document has been given to them and they continue to ignore it. I have asked on multiple occasions to speak to a supervisor with no success. They also claim to have verified with XXXX XXXX. XXXX XXXX is a third party, is not the owner of the Clerk of Courts so therefore should not be reporting anything. Also, I have been in contact with XXXX XXXX and they have told me I do not have a bankruptcy listed with them.
Consumer complaint received 2021-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole my mail and got a check that was made out to me. They were able to cash or deposit it at a XXXX XXXX location using a fake signature and writing pay to the order of a person I do not know. XXXX XXXX and CFPB say I need to contact the Issuing bank. The check was issued by Bank of America. I would like to get the money back because this was a fraudulent transaction.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MI)

Aspire will not allow me to make a payment towards my Aspire credit card. Yes, you heard that correctly.. 
I have been in the hospital for the last 3 weeks. Returned home on XX/XX/23. My aspire credit card was set on Auto pay but the payment of {$53.00} was returned as a result of me not having access to my bank accounts due to being hospitalized. 
Therefore, today XX/XX/23, I logged into my account to cover that payment using my debit card. I received a pop up that I could no longer make online payments. 
I used the Live Chat and they could not give me a reason, just stated I had to call to make a payment. I am XXXX XXXX XXXX, just out of hospital and due to bad hearing I get a lot of anxiety trying to discuss things over the phone. Plus why would I not be allowed to make an internet payment with a DEBIT CARD. SInce those payments are processed immediately. 

Seems Aspire is trying to make it difficult to pay my account then charge me hefty late fees. 
I have had a few payments returned but always covered them. Plus Aspire sufferers ZERO harm if a payment is returned. I am the one harmed with high return fees or late fees. 

This policy Aspire has refusing to allow me to make an online payment is absolutely harmful to me, is discriminatory and violates Federal policy.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX credit acceptance, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

They never approve my credit line increase requests always get the same response letter they dont value me as a customer even for the holidays they wont increase it and I want a second card they decline me for a new account I wanted thr delta sky miles card since I travel so much with them and can get miles by having their card but they wont approve me and always complain