davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-15
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: Credence Resource Management, LLC (MO)

XXXX XXXX XXXX is a wireless provider I opened an account with in XX/XX/XXXX which is account # XXXX Later I noticed that XXXX XXXX XXXX reported my newly esta.0blished account to the credit bureaus saying that I owed {$860.00} by adding on a balance from an old account over 6 years ago. 

XXXX XXXX XXXX XXXX can not get monies from an old account and place or transfer it to another account in question. Credence Resource Management a collection agency was their collector. Therefore, the debt was cancelled and there is " NO CONTRACT '' The debt was sold and XXXX XXXX XXXX XXXX wrote debt of {$860.00} off on their taxes years ago. I told the credit bureaus that but to this date it is still unresolved. 

That old account can not be merged into a new account of mines and then state to continue on credit bureau report until XX/XX/XXXX. When in fact that old account supposed to been removed some time ago. Especially after 7 years. 
The account being reported is a different one with different account number ( partial # XXXX ) and saying it was opened in XX/XX/XXXX ; When in fact it was not it was over 6 years ago. 

So how can XXXX XXXX XXXX just merge new account information with an old account to impact a person credit report negatively according to the law. 
this is a XXXX company as well and the 2 year rule is outdated. 

I am requesting that this negative & falsified and manipulative information be remove.
Consumer complaint received 2016-03-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

have contacted Experian, several times, via phone and mailed my ftc report that they have requested, several times and now a month later, I am nowhere. They are violating my rights as a consumer.
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/XXXX I got a email from Synochrony/Amazon saying the were going to close my account if I didn't use it. So I did and paid it off. 
On XX/XX/XXXX I got a notice of a fraud alert from Syn/Amazon regarding a {$100.00} digital gift card they say I requested. I notified them I did not. 
They charged me for it anyway, I have disputed it every six week at least since then and am always told it would be investigated. Then I get a notice saying they investgated and I did get one and it was sent to my address. I ask what address and they say they can't tell me that, it was digital. I say what email address, where was it used, they say they can't tell me that. 
In XX/XX/XXXX the refunded me {$82.00} via check and I thought it was finally resolved. Then immediately I get another bill with a different account number charging me again. Then last fees, then threats. I have spent hours and hours trying to resolve this and even after refunding the money I am being threatened still. I have made a payment again just to try to save my credit.
Consumer complaint received 2022-09-07
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX by the following names XXXX XXXX XXXX XXXX XXXX and account XXXX AR XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I have dispute various inaccurate reporting on my credit reports that were never resolved. I disputed some late reporting from Capital One Bank, XXXX, XXXX, XXXX and XXXX with these creditors themselves and also the XXXX major credit bureaus ( XXXX, XXXX and XXXX ) . The creditors violated the Federal Law by not sending me a mail 30 days after inserting the negative marks on my credit reports.I used the Law to call them on it but instead they only sent me a bunch of old statements that did not address the problem. Furthermore the credit bureaus told me they will not investigate these items anymore that the reporting was accurate.I also demanded they ( the credit bureaus ) send me the XXXX forwarded to the creditors and the AUD`s received back from the creditors and that never happened. All of them just flat out ignored my request. Also the answers I received violated the 30 days they were allowed to answer me back.They ( the creditors ) failed to prove they violated the Law and I believe they did not conduct any reasonable investigations. I need the CFPB to get in the bottom of it and make sure they abide by the Law.
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

Dear CFPB : Resurgent Capital Services keeps trying to collect on an old, already-repaid credit card debt. I repaid this credit card debt in XXXX 2006! 

Unfortunately, the original collection agency never reported my debt as repaid to the XXXX main credit reporting bureaus. 

Today, Resurgent Capital Services called XXXX of my relatives and left a " threatening, creepy '' message for me on his answering machine. This is totally illegal! Resurgent should not be harassing my relatives or friends! They should not be leaving threatening messages! 

I already sent Resurgent XXXX letter, via certified mail, stating that I had repaid the debt in 2006. 

In addition, XXXX XXXX XXXX and XXXX XXXX both stated they were no longer going to try to collect on the debt, as it had already been repaid. That is why I was very surprised to hear I had received a threatening message today from Resurgent Capital Services.
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

This company is trying to collect a debt on charges they allowed to run up after being notified that my pet passed away. When I spoke to them they told me that they would update their records but I still had to pay them for care on my deceased pet.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/XXXX at XXXX XXXX, I made a deposit of {$1600.00} through my phone. The deposit was a payroll check that I had previously deposited into the same account, the same way for the past 2 years, without any problems. The check is from XXXX, from a local city of XXXX, Ca. 
Previous checks from the same account, around the same amount had been deposited XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - no issues no holds. 
For some unknown reason, I was advised today XXXX/XXXX/XXXX that a hold was placed on this check. That meant all of my scheduled bill payments were not sent out yesterday as scheduled, they were reversed today and I was charged several {$35.00} NSF fees. 
These payroll checks have never had a hold placed on them in the past, nor have any of them been returned to my account in any adverse way. 
It is unfair and unreasonable to place a hold on this check " just because '' Bank of America decided to. Now I am in jeopardy of being late on several bills that I attempted to pay and am paying unjustified NSF fees. 
I called customer service and was advised they did not know why the hold was placed. 
The bank can not simply make up their policies and procedures as they feel necessary.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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.

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 re
port 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 2022-10-06
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: Spring Oaks Capital, LLC (TN)

Spring Oaks Capital LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with Spring Oaks capital LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately.

I Demand that SPRING OAKS CAPITAL LLC Please attach copies of the following : 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt.

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC.

4. All statements while this account was open.

5. Answer : Have any insurance claims been made by any creditor regarding this account?

6. Answer : Have any Judgments been obtained by any creditor regarding this account?

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (NV)

I was in a vehicle accident on XX/XX/XXXX and was taken to XXXX XXXX in XXXX XXXX NV. In XXXX of XXXX I received a bill from University XXXX XXXX XXXX for {$34000.00} which I promptly disputed. After a lot of phone calls, emails, letters with different people at different departments at XXXX on XX/XX/XXXX I received a letter from a manager XXXX XXXX at the risk management department in XXXX stating that my account has been reviewed and that my balance is only {$1500.00}. After this I was waiting for a revised bill reflecting the new balance but instead on XX/XX/XXXX I received a bill with a due balance of {$24000.00}. After many communications with XXXX billing department and dispute packages getting the billing department to send me a revised bill, the next thing I know I was being contacted by a collection agency. On XX/XX/XXXX I received a bill from Aargon collection agency with a due balance of {$24000.00}. I immediately called the number on the bill and spoke to a XXXX XXXX, explained the situation that has been going on. He directed me to send an email to XXXX with all the details and the letter from XXXX 's risk management department stating the new balance and that they would revise it and send me a bill with an adjusted balance. After I did that I waited and NOW I see that the credit bureaus are reporting a derogatory account which resulted in a big negative impact on my credit score which is what I have been trying to avoid since this whole debacle started in mid XXXX.
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (NE)

XX/XX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

The company has failed to respond with any information to validate the debt they are trying to collect from me but are still reporting the information to my credit report. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.
Consumer complaint received 2017-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (ND)

Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.
Consumer complaint received 2022-08-10
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. (MO)

The Credit Bureaus have grew negligent and ignorant of their responsibility to comply with the FCRA section 605b which requires that the Credit Bureaus to remove any fraudulent accounts and information that resulted due to identity theft. I have sent a letter addressed to the XXXX and TransUnion Credit Bureaus requesting to remove the disputed fraudulent information completely from my Credit Report on XX/XX/XXXX and I have been sending multiple letters before that date. Again, I was a victim of identity theft and this is another request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. By the provisions of the FCRA section 605b, I am submitting this complaint to request that the Credit Bureaus remove the disputed fraudulent items completely from my Credit Report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

XX/XX/XXXX I emailed the escalations department of RPM collection agency to inform them I have called and spoke to a representative regarding the account in question that this is not my debt, I have never heard of the company and they don't even have my named spelled correctly. I asked them to send me a validation of this debt, a signed contract etc .... I was emailed back and told they would send me validation of the debt. I received a letter from them on XX/XX/XXXX stating enclosed was the validation of the debt. The only thing enclosed was a current bill, this does not validate the debt. The bill is fraudulent. They have reported this to the credit bureaus and it is now on my credit report as an unpaid debt. I would like someone to assist me with getting this fraudulent account out of my name and off of my credit report.The amount of the bill is {$320.00} and the original creditor is XXXX.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a current credit card from Capital One that the terms have been routinely changed on multiple times since it 's original issuance to me on XXXX/XXXX/XXXX. I have formally requested the original card-holder agreement and terms that were issued from the original XXXX/XXXX/XXXX issue date and Capital One has neglected to provide it to me. They only seem willing to provide me with XXXX from XXXX XXXX that accompanied a new change in agreement/term that I was not properly notified about again. 
The reason that I would like the original agreement is because I remember being offered a much better long term interest rate than what has appeared through the last 3 years of statements that I have received and now reviewed online. I believe that Capital One has not adhered to their original issuer agreement with me and has adjusted their rates upwards at a regular interval over the last 3 years to a nearly 24 % purchase rate. The original rate was supposed to be 14.9 % for 2 years, but I do n't see any indication on my statements of a fixed purchase rate over this period of time. 
Capital One also does not have a single late payment from me as I have had automatic payment established with them from the inception of the account which I have adjusted to pay at least double the minimum monthly payment. I usually follow-up with a XXXX payment each month of much more. 
I have a printed record of my latest request for the original XXXX/XXXX/XXXX card issuance agreement by Capital One 's secure online chat service from XXXX/XXXX/XXXX. " XXXX '' was told by myself that I specifically wanted to check on this agreement as I felt that I was duped on the terms and charged much more money. He told me that he had found the original agreement and would send it to me by mail. I told him that I did not want the current agreement for XXXX XXXX in which the terms had once again changed. He told me that he understood that and would send the original XXXX/XXXX/XXXX agreement. 
I received the XXXX XXXX Agreement in the mail yesterday. I think that Capital One is avoiding providing me with the original card issuance Agreement because they have defrauded me of its terms and do n't want me to be able to prove it. 
I demand to be given this original agreement as I am entitled to it as a card member and suspect fraud has gone on against my account for the last 3 years over my APR interest purchase rate as well as the introductory 0 % that I should have received for longer than was applied to my account. I know that I have most likely lost over {$1000.00} in incorrect interest fees applied.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

The lender states that the loan has a sale date for XXXX/XXXX/17 and the refuse to review the file - we were informed by the opposing counsel that the sale date is actually set for XXXX/XXXX/17 - at this point we fell the lender is unwilling to assist this client in obtaining a loan modification and is violation of RESPA guidelines.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc. (NJ)

I was working with XXXX XXXX XXXX without verified Debt. I missed a payment and two weeks later XXXX collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not XXXX. This is a violation of my rights and an attemp to destroy my credit profile.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Velocity Portfolio Group (TX)

BEING SUED IN SMALL CLAIMS BY VELOCITY INVESTMENTS LLC, UPON CALLING THEM TO VERIFY THE XXXX, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING XXXX WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX COUNTY COURT WEB SITE NOT XXXX ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX, XXXX ( XXXX )