davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (NV)

In XX/XX/2017 I attempted to set up an account with XXXX XXXX XXXX. They sent me a router, but I was unable to complete the set up myself so I scheduled an appointment to have a technician come out. 

XXXX XXXX XXXX did not come at the appointed time, nor did they come at the next appointment. I spent hours on the phone with them trying to come to a resolution, but they never actually sent a technician to my home. 

I canceled the account and sent the equipment back in XX/XX/2017. They did not actually provide me with any service. 

I never heard anything from XXXX XXXX XXXX, so I assumed everything was fine. However, I just received a letter from Franklin Collection Service Inc. attempting to collect a debt of {$170.00} from XXXX XXXX XXXX. They are charging me for {$150.00} for the equipment I returned and {$25.00} for a service they never provided. 

My mailing address, email address, and phone number haven't changed since XX/XX/2017 so I'm very surprised to receive a collections letter over a year after I thought everything was resolved. The collections agency is threatening to harm my credit.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX has been allocating purchases as cash advances and improperly charging cash advance interest and fees towards the purchases as if they were cash advances. This has taken  place for the last 10 years and only recently did I notice the issue on my statements. I contacted XXXX XXXX and obtained statements dating back 5 years which show the purchases being charged as cash advances. In addition to paying cash advance interest and fees, XXXX XXXX has also been reporting the inflated balance on my credit reports negatively impacting my ability to obtain credit and loans. I have consulted with an attorney and will also be taking legal action against XXXX XXXX.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I paid off my mortgage with mr copper XXXX XXXX  XXXX XXXX XXXX, Texas XXXX on XX/XX/2018 it has almost been 1 year and they still have not sent me my lein release for my home. I have called them at least once a month for the past 11 months and they tell me its in with there legal team, I have asked to speak with the team and they say there is know number they can give they will get back to me and they never do. I would like to sale my home but I can not do this with out the release form. I have done my end of the bargain and paid my loan off. I am asking for them to give me what is mine and I get the same answer for the past 11 months. Can you help me please Thank you, XXXX XXXX Ps. I have attached a copy of the paid in full letter claiming my release was on its way to being processed back in XX/XX/2018
Consumer complaint received 2022-03-01
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}
Consumer complaint received 2019-06-07
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. (KY)

What in the world is happening here that my concern was not attended by Experian!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Summary of Accounts being challenged in list form WINGS XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/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 XXXXXXXX ) XX/XX/XXXX, Has violated my rights I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2019-06-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Columbia Recovery Group LLC (WA)

Unbeknown to me my wages started to get garnished by Columbia Debt Recovery XX/XX/XXXX. I have  been away from work since XXXX on short term XXXX and the company sent documents to my work and I never received them until after the garnishment started. I was not provided legal documents to my resident address or no attempt via phone. If I was properly provided a 30 day notice letter I would have taken the necessary steps to dispute the unk collection. They garnished my wages at 25 % and I have been evicted from my residence due to the fact.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. CONVERGENT IS VERY WELL AWARE THAT A REPRINTED STATEMENT IS NOT A VALIDATION OF DEBT AS I HAVE REQUESTED ON NUMEROUS OCCASIONS. 

The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

I originated a loan with XXXX in XX/XX/XXXX for a conventional 360 fix with twenty percent downpayment the monthly payment is XXXX for a cooperative apartment. This did not require an escrow account for taxes and insurance. Then the loan was sold on XX/XX/XXXX to XXXX XXXX. Then transferred to ( Greentree mortgage ) who requested a copy of my homeowner 's insurance policy, in XX/XX/XXXX. which I provided. Then ( Ditech ) became the Servicer for Greentree. who requested the homeowner 's policy starting in XX/XX/XXXX as well. I provided them the policy, then they requested a copy of the Structural insurance policy, ( the Master Plan policy ) which after tracking down the co-op board to request their policy, it was sent to Ditech as stated, to assign them as the mortgagee. In the early part of XX/XX/XXXX. However, Ditech continues to bill me for this insurance policy regardless of, and they are applying my mortgage payments to this force-insurance policy, and they are saying, we are behind on our mortgage payment and reporting it to the credit report as such. They have been documenting my credit report since XX/XX/XXXX as non-payments ' which I clearly told Ditech, that this is a Co-op, which the co-op corporation is responsible for this master policy. I was in Bankruptcy since XX/XX/XXXX and was discharged on XX/XX/XXXX. Ditech was sending all my documents to the bankruptcy attorney and still continue to send all their correspondence to them today. I've been dealing with this issue with no avail. and at this point, Ditech has stopped accepting my mortgage payments as of XX/XX/XXXX. I called them to see why they haven't cashed the checks ' XXXX at Ditech couldn't answer as to why but stated over the conversation as it doesn't matter your in foreclosure since XX/XX/XXXX. Anyway, I am confused, if I've been making my mortgage payments, how can you have me in foreclosure status. Can you please help to resolve this issue as you can see I have been trying to solve this since XX/XX/XXXX, with no avail.
Consumer complaint received 2023-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (OK)

They are reporting this account was open in XXXX  the date of delinquency was over 2 years ago almost 3 Ive asked it to be fixed and it hasnt they refuse to send me statements and they called XXXX XXXX XXXX  and have her all my personal info
Consumer complaint received 2019-06-07
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. (KY)

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

1.on XX/XX/2019 i noticed a suspicious charge on my account in the amounts of XXXX and XXXX 2. i  called XXXX to enquirer about the transaction, and discovered it originated from XXXX. 
Seller 's Name : XXXX XXXX Seller 's Email : XXXX Seller 's Transaction ID : XXXX Transaction Date : XX/XX/2019 Transaction Amount : - {$450.00} USD Your Transaction ID : XXXX Case Number : XXXX 3. Spoke with rep at XXXX XXXX that said they will get in contact with bank. 
*XX/XX/XXXX at XXXX XXXX  Date : XX/XX/2019 From : XXXX Customer Solutions Department To : JPMORGAN CHASE RE : NSF Fees I'm writing in response to the non-sufficient funds ( NSF ) fees that our mutual customer XXXX XXXX received as a result of an unauthorized transaction using XXXX . 

The NSF fees were charged because of one or more XXXX transactions initiated on XXXX for {$450.00} & {$38.00}. We investigated the transactions and found that they were not authorized by the account holder. 


I understand that XXXX XXXX is requesting that you waive some or all of the fees for these unauthorized transactions. This letter is to confirm that they did not authorize the transactions that caused the NSF fees. 

Sincerely, XXXX XXXX Customer Solutions Department ) 4. on XX/XX/2019 i spoke with Chase Bank Rep. XXXX in person at the bank and was told that additional charges could not be waived. 
5. on discovery that additional charges were made to my account for unauthorized transactions and despite a letter/call from XXXX to waive said charges. I made another phonecall on XX/XX/2019 and spoke with XXXX and asked again for charges to be waived. I was told no they can not,. Subsequently i notified them that i would be filing a complaint with Consumer Financial Protection Bureau, hence this complaint to your office.
Consumer complaint received 2019-11-07
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: Santander Consumer USA Holdings Inc. (VA)

Re : CFPB Case No. : XXXX XXXX Account Number We have received your complaint submitted through the Consumer Financial Protection Bureau ( CFPB ), regarding credit reporting for a Santander Consumer USA Inc. ( Santander ) account. Thank you  for allowing us the opportunity to address your concerns. 

Please be advised that we have reviewed our records with the information provided in the complaint and, unfortunately, we were unable to locate the account in question. 

In an effort to resolve this matter quickly, please provide us with additional information such as : the Santander account number or billing statement, your complete social security number, any prior last names, Vehicle Identification Number ( VIN ), or any other information you may have so we may review this matter further. Please submit the requested information through the CFPB. 

Once the information is received, the matter will be reviewed and a response will be provided. If further assistance is needed please contact us directly at XXXX XXXX XXXX XXXX XXXX. 

Sincerely,
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

XXXX 2017 {$500.00} I have filed a dispute with XXXX XXXX XXXX to verify because no contract was signed they sent back it was verified with no proof
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I, XXXX, XXXX XXXX, sent out a Affidavit of Truth stating the facts to PORTFOLIO RECOVERY ASSOCIATES , LLC via certified return mail ( XXXX XXXX XXXX XXXX XXXX ) which was received. I have two responses from them dated the same day, which is an insufficient/ incomplete response according to the the FDCPA. 

Please see attached.
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (MN)

Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. Hard inquiries should be removed based on the FCRA violations.
Consumer complaint received 2017-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

Two phone calls were received on XXXX/XXXX/XXXX at XXXX XXXX ET and XXXX XXXX ET from a Penn credit corp on caller ID. No message was left with any details and when attempting to call back all that was being said in the first call is that this was regarding a personal business matter. The company name was not divulged and nothing other than this call is being recorded were advised. They asked twice to speak with someone else but all they would advise is that this was not a sales call when asked directly. After doing more research online it appears multiple individuals have been scammed by this company for non existent or settled debts. There has been no notifications received by mail and no knowledge of any debts outstanding as all have been paid up to date. This company seems to be taking a large amount of liberty with when they have to divulge who they are as well as dancing the line of legality with their outbound sales calls. When I called back asking to verify if the first number was legitimate using a different number directly from the companies website all they could advise is that they use multiple numbers including local numbers sometimes. They have removed the number from the listing but we have no way to id the debt without giving out personal details and potentially being falsely held liable for an invalid debt. At this point our next step is to contact our lawyer and escalate the matter legally.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

In XX/XX/XXXX and again in XX/XX/XXXX I requested both XXXX and Experian remove XXXX XXXX XXXX XXXX from my consumer report. As a federally protected consumer these agencies have a duty to report complete and accurate information. Despite it clearly stating in the data reported by XXXX XXXX XXXX XXXX, I opened the account in XXXX nothing was reported until XXXX when because of the pandemic I was unable to make the XXXX payment. Although I had not ever had a late payment until that time. XXXX had never reported the positive payments from XXXX only the negative ones. The total debt was almost XXXX, I was forced to do a warranty in lieu of deed for just under XXXX in XXXX. I contacted the company to seek relief before falling behind and found No assistance was offered even tho people could not even travel or use timeshares at that time. My only option was the Warranty in Lieu of deed. I did strongly state that this should not be reporters to my credit report now especially in light that it was never reported before. I then contacted the reporting agencies to remove the inaccurate information once I saw it was in fact reported and they refused to do so. This is my personal information and I have a federally protected right that it be reported accurately. Under 15 USC 1681 pure accuracy is what is expected in consumer reports and the reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Further there is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness, impartiality, and a respect to the consumers right to privacy. It is clear from my 2 attempts to have these entries removed that these agencies have not done what they are supposed to be doing. It is the purposes of this subsection to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR and EQUITABLE to the CONSUMER, with regard to the confidentially, ACCURACY, relevancy and proper utilization of such information in accordance with this subsection. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX violated this subsection and has done so thru the consumer reporting credit agencies XXXX and Experian. Violating 15USC1681 as well as 15USC1681b the privacy Act of XXXX and 16 CFR 433.2 as they have both twice now dismissed my complaint, a clear violation of the above referenced federal consumer protections. In addition I reported to both agencies that XXXX, another consumer credit reporting agency does NOT have this information anywhere on my consumer report. Under 15 USC 6802 I the consumer choose to opt out of this account to be reflected be anywhere on any of my consumer report files. The XXXX report should be identical and currently they are NOT.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (CO)

XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called Tempoe , LLC. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from XXXX XXXX XXXX. XXXX XXXX XXXX has reported to the credit agencies, and now I have to fix this. XXXX XXXX XXXX claim that they sent over the " loan documents '' via email. These documents were never recieved. XXXX XXXX XXXX claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by Tempoe , LLC.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have contacted Experian multiple times requesting an investigation to verify the debt and asked who opened and signed for this account. I also ask them to remove this fraudulent account reporting in my consumer file that does not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below was opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The account is noted as XXXX XXXX XXXX XXXX.