davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lloyd & McDaniel, PLC (OH)

I paid Lloyd and McDaniel law firm XXXX on XX/XX/2018, they are still reporting negative remarks to the credit bureau and they have not released the judgement off of my credit. They told me it would take 14 days to remove the negative mark on my credit but its still on there. I have reached out to them several times and they refuse to remove the judgement even after I have paid in full.
Consumer complaint received 2017-07-06
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: Security Credit Services, LLC (FL)

have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXXand currently now. It 's been less than a year 11 months to be exact and counting coming intoXX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, Security Credit Services, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit againsXXXX XXXX  & the creditors for breaking several FCRA laws.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (WV)

One main financial has been calling me obsessively to the point Ive gotten XXXX calls in XXXX days. XXXX of those in XXXX  days. As well as text messages and I have responded to the via text, left voicemails, and spoke to them. I will be attaching proof of their violations with the FDCPA as I have already spoke to an attorney regarding this. I have never been late on a loan payment with them before and I have made of 75 % of this months payment with a balance of only {$50.00} that I informed them I would be paying but they continue to harass me for payment.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (FL)

Every year with TD Bank they purposefully say they never receive my homeowners insurance. They charge me a ridiculous fees. I email, fax and even sent a paper copy of my insurance policy in with my bill. They say thet never get it. At the last minute they say it's been fixed but it never has. Even though i payed and they have cashed my checks they say they can't fix my loan to reflect the correction. It is a scam they try every year to squeeze money out of me or ruin someone's credit.
Consumer complaint received 2018-03-23
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: AMERICAN EXPRESS COMPANY (FL)

Violation : On XX/XX/XXXX American Express has incorrectly and illegally listed an over limit event from XX/XX/XXXX of another credit card user on my credit report. i do not have a responsibility for this credit card account yet it was reported by American Express for me. This resulted in a 50 point drop in my credit score. I have asked them to remove the item but have been unsuccessful to date.
Consumer complaint received 2015-05-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP (NY)

I have being in a dead lock process of refinancing my property with First Guaranty Mortgage Corporation for over 90 days. The company is stone walling me, locked me up in a rate that expired in XXXX 2015, then re-lock me with same rate for another 60days that will expire in XXXX 2015 ). All phone call communications and e-mail correspondences were not returned. Currently, I can not go to another financial company for assistance to refinance my property due to First Guaranty Mortgage Corporation holding on to my FHA number and not giving me information that I needed on my mortgage property tax ( XXXX ) in other to re-assign my re-finance loan to another financial mortgage institution.
Consumer complaint received 2022-03-10
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: Professional Credit Management, Inc (TN)

On XX/XX/21, I noticed a collection on credit karma from Professional Credit Management Collection agency in which I did not recognize the collection company. I immediately mailed a certified letter requesting validation of the debt. In turn, Professional Credit Management collection agency sent me records detailing sensitive information about my health in which my family did not have prior knowledge violating my HIPPA rights. 

I did not sign nor give consent to Professional Credit Management collection agency permission to obtain my sensitive health related documents which is my right as a consumer. 
Professional Credit Management Collection does not have in their possession a HIPPA release document with my written signature nor have ever received a verbally consent to to release my personal health related documents from me which is punishable by law. 
Therefore, I am demanding Professional Credit Management Collection Agency to immediately to cease all collection efforts and to remove Account numbers XXXX and Account number XXXX from all Credit Bureaus including XXXX, XXXX, and XXXX immediately. This has provided great mental anguish and hurt to me and my family. I have provided documents to support this claim.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

Congress Collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 
Had Knowingly and intentionally posted false negative information on my credit report, that FALSE information had impacted my credit score claiming that I owe the amount {$320.00} to a company named XXXX  XXXX XXXX XXXX, which I had never had any business with or ever contacted in my life. 
I called Congress Collection, spoke to XXXX 's account manager, who and requested this issue to be resolved. 
Congress Collection has Just been taking me in circles to force me to pay for something I do not even owe. When I asked XXXX for details, her answer was always, I don't know, that's all I have. Account Name : CONGRESS COLLECTION Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Status Collection account. {$320.00} PAST due as of XX/XX/XXXX. Status Updated XX/XX/XXXX. 

This is violating my FCA rights, and under FCA I'm entitled to every single document prior to posting any negative item to my credit report, notwithstanding the fact that due to the COVID-19 epidemic, creditors are required to be more careful about verifying information prior to reporting delinquent incidents to credit bureaus. 


Congress Collection assuming that all they have to do is mail you a statement and you will pay immediately, no need to know who you owe what and why which is a clear violation of consumer rights to receive enough explanation about the charges. 

This was clearly an error from the XXXX  XXXX XXXX XXXX, who solicited my information from XXXX XXXX XXXX,
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XXXX XXXX Reporting : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX,. XXXX, TX XXXX. 
XXXX REF # XXXX I spoke with XXXX  customer service about closing the account. I was told at the time time of closure I would be billed for any remaining balance and then the account would be closed. I was told by XXXX XXXX Department the exacat same information. I was told by XXXX. XXXX  supervisor ID XXXX the same thing, and that my account was not flagged, delinquent nor were there any notes indicated that I ever owed any money. 

I have spoken to multiple Credence Resource Management ( CRM ) representative as well as three XXXX representatives on the phone. Recently I spoke with XXXX XXXX, a ( CRM ) supervisor, who refused to help resolve the issue. 

I now get harassed and I have spent more than 6 hours trying to fix a {$120.00} error that is not mine. It's obvious that this is an error and should be zeroed out. 

Please resolve this now and let me know when it completed. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp. (GA)

I sent the attached repo removal letter to SETF ( certified ) and they responded saying they only would be willing to talk on the phone or via email. That is against the law that they didn't provide the documentation with my signature on it matching my ID. They are reporting four derogatory accounts to my credit report and refuse to provide the signed contract on any of them.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (FL)

I got sued by my landlord for electricity bills and the matter got settled and fully paid. Several months later a company called XXXX which is based in Texas and provides the service of splitting electricity bills among roommates, that company filled for collections of an electricity bill. 
The company does not have ownership of that account nor did they ever pay the electricity bill nor is it within their services. Whenever a bill is not paid, it is forwarded to the landlord who in turn collects their debt since they are the ones who actually pay the city for electricity Bills. 
The claim is completely fraudulent and after contacting XXXX several times thy still refuse to remove the collections claim even though they never paid the bill nor do they that.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IN)

Subject : Complaint Regarding Debt Collection Practices by IC Systems I am writing to file a formal complaint against IC Systems for their handling of a supposed debt they claim I owe. I have several serious concerns regarding their debt collection practices and the violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Lack of Notification : I have never received any form of communication from IC Systems regarding this alleged debt. I was not notified by mail, phone, or any other means. When I inquired about the lack of notification, IC Systems provided an incorrect address, which clearly indicates that they did not perform due diligence to ensure that they were contacting me, the correct individual, at my current address.

2. Invalid Contact Information : IC Systems claimed that my phone number, which I have had for over eight years, is invalid. This is not the case, and it further demonstrates a lack of effort on their part to establish proper communication with me regarding this matter.

3. Absence of Right to Opt-Out : I have not received any information or notice that would allow me to opt-out of having my information furnished on my public credit report as required by law.

4. Unauthorized Reporting : Without any prior communication, validation of debt, or attempt to resolve the matter directly with me, IC Systems has proceeded to report this supposed debt to the credit bureaus. This action has potentially damaging effects on my credit score and financial standing.

Due to the aforementioned issues, I believe that IC Systems has not complied with the necessary legal requirements and has engaged in unfair and deceptive practices. I request that the CFPB take appropriate action to investigate this complaint and ensure that my consumer rights are not being infringed upon. 

I also request that IC Systems provide me with : - Full documentation and validation of the alleged debt, including the original creditor 's information and any records of transactions or communication attempts. 
- Evidence of their efforts to contact me at my correct address and phone number before reporting to the credit bureaus. 
- An explanation for the lack of opportunity provided to me to opt-out of reporting, as mandated by law. 

I am prepared to provide any additional information as required. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-07-06
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. (MD)

I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time  my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Consumer complaint received 2019-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, I took {$100.00} cash out of my checking account at a Wells Fargo ATM # XXXX / Bank at this address : XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. An alarming phone call distracted me and I accidentally walked away, taking my card and leaving the cash at the mouth of the machine/ATM. I drove for 5 minutes before realizing what I had done. I turned my car around and called the branch immediately to ask if someone would check the machine for my cash. A manager named " XXXX '' got on the phone and said, " Mrs. XXXX, we have good news : our customers are very honest and one brought your cash in the minute you pulled away. We know it was yours because we can see you are the last one to use that machine and it was for {$100.00}. '' I came back to the bank within 10 minutes, asked if I could have the name of honest customer who brought in the cash ( to reward them ) but was told no. I was then told I can't take the cash - XXXX said it must be processed and it goes back to wells fargo, and will come back to my account in a few days - usually within 10 days. I was surprised but happy to get the {$100.00} back. I was shocked when XXXX said I had to complete a " claim '' to get the money back. It is now XX/XX/2019. I have been to the bank to tell them I've heard nothing, XXXX said it can take up to a month .... Now I have received 2 letters saying that the {$100.00} will be deducted FROM my account. What? It was NEVER put back in! I have also called a Wells Fargo number on my claim paper and was told the money was never processed. Then the person corrected himself and said, " It was reviewed and the money was giving to someone else. '' I have been to the XXXX XXXX branch 3 times to discuss this and they keep telling me XXXX remembers the situation well and now the money should be processed the right way. But I just received another letter saying I will not receive the money, and that another {$100.00} will be taken from my checking account.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (SC)

In  XXXX  of  XXXX , we were made aware of an outstanding ( prior to  XXXX  ) debt with Wells Fargo while applying for a home mortgage. Despite the age of the debt, we paid the outstanding balance so we could move forward with our loan ( oddly enough, with Wells Fargo  ) . On  XXXX / XXXX / XXXX , we received verification that the loan had been satisfied from  XXXX   XXXX   XXXX . This was then forwarded to   XXXX    XXXX  on  XXXX / XXXX / XXXX . Since  XXXX / XXXX / XXXX , we 've received threatening calls from no less than 6 different companies, threatening to sue us, come to our places of business and at one point, our employer was contacted.   Today, we received a call from  XXXX   XXXX  at  XXXX   XXXX . She left a message that we were being served legal papers at our place of employment. Provided a file number and a call back number.   We returned the call and spoke with  XXXX   XXXX , in " arbitration ''. She claimed to have a " junket ''. She confirmed the account number with Wells Fargo that has been in question since  XXXX  of  XXXX . My husband ( whose name was on the account ), stated that we would appreciate being served these " papers '' so we could respond appropriately. He also let  XXXX  know that this has been sold repeatedly and we would appreciate no more phone calls.   My husband has contacted Wells Fargo and they 've confirmed that this is no longer an active account number.  <P/> Please assist us with getting this handled. This is beyond harassment as we are both getting calls and now employers are being contacted. Despite proving evidence of our payment to several "  collectors  '', this debit continues to be re-sold.
Consumer complaint received 2022-09-08
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX - XXXX XXXX Balance : {$3200.00} XXXX XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXXBalance : {$1700.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$520.00}
Consumer complaint received 2021-02-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

My name is XXXX, I have a wife of 13 years and XXXX school age children, we have XXXX dogs and a XXXX. Im a XXXX XXXX XXXXXXXX XXXX  vet from 3 tours between XXXX and XXXX as ground forces. 
My wife works full time for the XXXX I am a full time ( 60 hr ) XXXX XXXX I draw my full military retirement I dont pay for medical insurance for my family, due to my retirement We have 3 incomes and XXXX kids, but we cant buy a house. 
Why? Because investors and bankers are inflating the market beyond reason. 
In closing Ill ask this. If we cant afford a home, then who can? 
Dont let investors set us back another 10 years like they did in 2007. 
Respectfully XXXX
Consumer complaint received 2019-03-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (SC)

I checked my XXXX credit report & noticed a derogatory mark on my credit report from Midwest Recovery Systems concerning an unpaid loan in the amount of {$1400.00}. It states the original creditor was XXXX. I do not recall this loan which is from XX/XX/2015& I never received a letter or phone call before this was added to my credit report. I request verification or immediately removed from my credit report.