davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (PA)

Constant and repeated calls from multiple different numbers. Looking for someone I don't know and never heard of. Calls have continued for months averages several per week. Lots of different tactics, all annoying and disruptive to my work schedule. First they would play a robo-recorded name of the person they wanted ... VERY LOUD over and over, then hang up. Later they would just let the call run without saying anything filling my voice mailbox.
Consumer complaint received 2020-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (CA)

Upgrade Inc sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted Upgrade Inc multiple times for them to resolve this error. Upgrade Inc insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, XXXX XXXX XXXX, I am told I must have Upgrade Inc resolve this error. 

Upgrade Inc is refusing to resolve this error is selling my settled and paid debt to XXXX XXXX XXXX. Upgrade Inc is refusing to refund me for the debt settlement payment that I have already made.
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

When I took out this loan I was ok, i'm XXXX and on XXXX, things became worse with my XXXX, daily money problems and then became unable to pay anymore after making only 1 payment, now they are harrassing me daily by making 1-2 calls to me by the manager " XXXX '' XXXX I've warned her she is harrassing me and making my XXXX worse but she refuses to understand and keeps calling and is calling my references and i've told her to STOP harrassing me and anyone else, but she will not do it, I want this to stop immediately, I can not make these payments because of the high cost of everything now days, alot of things are changing for the worse and now my rent has increased, not by much, but i'm looking to move and it's impossible with how rent has changed. She needs to stop. I refuse to talk to her, someone needs to warn her she is harrassing me in everyway, mail, phone, all ways possible and it needs to STOP.
Consumer complaint received 2021-10-12
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)

XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX DE XXXX XXXX XXXX MI XXXX DE XXXX XXXX XXXX FAVOR XXXX XXXX LA XXXX QUE XXXX AN XXXX XXXX MI XXXX DE XXXX DE XXXX XXXX.
Consumer complaint received 2021-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

After reviewing my credit I noticed Caine & Weiner placed a collection on my credit. I sent in a debt validation letter on XX/XX/XXXX, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Caine & Weiner is now in violation of the FDCPA rules.
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: Experian Information Solutions Inc. (TN)

In accordance with the XXXX XXXX, the following accounts have violated my rights. 
XXXX. XXXX XXXX XXXX  ( Partial Account # XXXX ). 
XXXX XXXX XXXX XXXX Partial Account # XXXX ). 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

XXXX, XXXX, I was cyber scammed, I had Discover card agent on the phone telling them do not except this charge, they still gave the bad guy the money. Please help me.
Consumer complaint received 2021-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I'd Really like for XXXX to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX  # XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (GA)

I had a mortgage with TD bank, which I always paid on time. Then I received a statement from the bank that the complete amount of {$230000.00} was due. I did not receive a warning letter or anything, just the balance due statement. I immediately contacted TD Bank and was informed that the loan had matured and was due. They advised me that these type of loans are illegal but that they had previously purchased it from another bank. I immediately started the refinance process with the same bank. In the meantime TD Bank sent me threatening letters and charge me a {$12000.00} late fee. I contacted my loan officer and was told that they are two different departments, and that there was nothing they could do. How can that be? It is the same bank. The loan has now closed, but not until I paid a {$12000.00} late fee, and my credit was knocked.
Consumer complaint received 2021-01-27
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: CITIBANK, N.A. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, CBNA add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MN)

It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that this is my account they keep posting in my report are verified and true. I have been continuously denied of getting loans because of this. This should have been resolved months ago but they don't seem to care at all.
Consumer complaint received 2020-06-04
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. (GA)

I have a credit card from XXXX  XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-12-02
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. (VA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (MD)

I filed an earlier complaint regarding the collection practices of a third party organization assigned by XXXX XXXX. XXXX XXXX did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with XXXX XXXX. I had been under the impression the matter was resolved many years ago. XXXX XXXX instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices XXXX XXXX has participated in over the years. 

I would like for XXXX XXXX to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for XXXX XXXX to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for XXXX XXXX to provide statements for that card account mailed to me reflecting an unpaid balance.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This letter is being sent in response to a computer generated, entry or letter unsigned, from XXXX XXXX # XXXX THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILUARE OF NOTIFCATION! 2ND THREATS AND CONTINUED COLLECTIONS EFFORDS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERFICATION OF YOUR PROOF OF CLAIM. 
Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM
Consumer complaint received 2021-06-23
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. (FL)

No matter what you complain about these agencies are by by opinion of multiple truths and experience frauds, incompetent. Balance XXXX XXXX incorrect on autoloan paid XX/XX/XXXX still not updated. Negative commentary still not updated and wrong. One can go on but being held hostage and financially kidnapped while the so called PROTECTORS do squat isdemeaning, insulting and frankly PURE EVIL! Yes and negatives always posted immediately
Consumer complaint received 2018-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX, SCREENING REPORTS ARE FICTISCIOUS COLLECTION AGENCIES FOR IMPACT REC ALLOWED VIA EQUIFAX. THEY HAVE A SAM GOINGG. THEY ARE DECEPTIVE BUSNESS PRACTICE.
Consumer complaint received 2020-12-02
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. (TX)

On XX/XX/2020, I contacted Experian via mail to dispute inaccuracies on my credit reports. I have not received a response from the company to date XX/XX/2020.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (NC)

My family and I moved from an apartment complex owned by XXXX XXXX XXXX, XXXX, NC, in XX/XX/XXXX. A charge of {$500.00} and {$130.00} was applied to our credit report by the leasing agency, Lease Term Solutions of NC. The charge was regarding treatments of a pest infestation that initially occurred before moving into the apartment a year earlier, in XX/XX/XXXX. XXXX XXXX Properties homeowners insurance should have been applied to correct this problem, but instead, we ( the tenant ) were billed, and eventually, the item was placed on our credit report. On XX/XX/XXXX, we made a visit in person to the XXXX XXXX apartment complex office to rectify the issue. The attending agent informed us that several leasing agencies held the leasing contract over the last several years. After searching diligently through the current and historical data, the representative could not locate the charges in any of the files. She didnt even know which collection agency that was trying to collect these charges. We went to our collection report and filed a dispute. The result came back as this is a valid and accurate collection account from IQ Data International. Today, XX/XX/XXXX, I called IQ Data requesting the incorrect data be removed, and they promptly refused. We are contacting your agency to help us get these two items removed from our credit report.
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MA)

I have presented Discover Bank with disclosure of concerns pertaining the opening of an account in my name as a result of identity theft. Discover Bank has mailed a letter to me dated XX/XX/XXXX for fraudulent account ending in XXXX. In this letter Discover Banks request is for notice of report to credit bureaus of the account resulting of identity theft and Discover 's request if for the block that I have requested on the fraudulent account to be lifted. I am not understanding this request or the poor practice in responding to the several calls that I have made reporting identity theft and requisition appropriate action. Further, I have provided with disclosures for identity theft and request for mitigation of losses to several parties representing Discover, the last party that I spoke to on XX/XX/XXXX at XXXX XXXX, continue to request for a verbal password that he has stated is on the account for an account that is result of identity and stated that he would not act accordingly to address the matter with propriety in response to the consequences of identity theft.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have repeatedly disputed inaccuracies with an account named XXXX XXXX on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can not be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information
Consumer complaint received 2022-01-08
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. (UT)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I am writing to file a formal complaint against Bank of America regarding their failure to provide paper statements for my mortgage account, which has resulted in significant harm and financial penalties. Despite numerous requests for paper statements, Bank of America has consistently failed to deliver them, leading to confusion and difficulties in managing my mortgage payments. 

The lack of paper statements has made it challenging for me to keep track of my mortgage payment due dates and amounts. As a result, I recently experienced a situation where a check bounced due to the confusion caused by not receiving paper statements in a timely manner. This led to additional fees and penalties imposed by Bank of America, which I believe are unjust and unwarranted. 

Bank of America 's failure to provide paper statements is not only inconvenient but also harmful and unconscionable. As a consumer, I rely on paper statements to ensure accurate and timely payments, as well as to maintain a clear record of my financial transactions. The lack of this essential communication from the bank has put me at a significant disadvantage and has resulted in financial repercussions that could have been avoided with proper communication and documentation. 

I urge the CFPB to investigate this matter and hold Bank of America accountable for their failure to provide essential financial information to their customers. I also request that appropriate measures be taken to rectify the situation and prevent similar issues from occurring in the future. 

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

Sincerely, XXXX XXXX XXXX XXXX