davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (FL)

On XXXX XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX XXXX and entered into a lease for a XXXX XXXX. After signing the contract, I realized that that the contract states that I received a physical copy of the agreement prior to signing and I was free to take it and review it. This do not occur. I was only shown a copy of the agreement on an iPad by the salesperson and it was only provided to me in printed form after I signed it. This is in violation of the Truth in Lending Act Regulation, 12 CFR 1026 Disclosures Provided on Credit Contracts Provision. Second, the contract states that I was to receive warranty papers regarding the XXXX XXXX - I never received this paperwork. Third, the early buyout option as well as the nominal fee at the end of the contract suggests that this transaction is a credit sale instead of a leasing contract. As such, this appears to be deceptive practices by the company. Further, unlike a true lease agreement, I am responsible for all caretaking for the pet with no responsibility to the company. Another indication that this is a credit sale disguised as a lease. Lastly, a disposition fee for the puppy is already calculated by the company and thus is seems unconscionable for the company to have a predetermined amount for disposing of the puppy. I met with a XXXX Attorney with XXXX XXXX XXXX, XXXX, Florida on XXXX XX/XX/XXXX regarding this matter.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We locked in a very good interest rate and the refinance of our loan was dependent on the appraisal. We 've have three prior appraisals in the last XXXX and prices where we live in XXXX XXXX have only gone up. Our realtor tells us inventory is still really low. Chase 's appraiser came back with a value that is the same as our current mortgage and XXXX % lower than our prior 3 appraisals. There were several mistakes in the appraisal and recent comps were excluded that are higher in price. One of which was only XXXX months ago. At the same time interest rates have gone up and that rate is n't available at other lenders now. Chase may have backed out of our loan because of higher rates, which is unethical.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (TX)

SoFi lending is reporting an account on my credit report that I do not owe. In 2017, SoFi sued me claiming I owed this debt, but I do not and the case was dismissed. Despite this, SoFi continues to unlawfully pursue collection of this debt.

I have repeatedly disputed this account with all three credit bureaus and I have written to SoFi directly to dispute the debt. However, SoFi continues to verify the debt with the credit bureaus and provide inaccurate account information.

I am requesting that SoFi immediately remove this account from my credit report with all three bureaus, including, but not limited to XXXX, XXXX, and XXXX. I am further requesting that SoFi discontinue all unlawful collection activity.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

Purchased my home on XX/XX/XXXX and my property taxes were included in the closing total for XXXX. After about 2 months the mortgage was sold to another company. I have been calling and sending the tax bills to them since XX/XX/XXXX and as of yesterday they still have not released payment from my escrow account. I have also reached the tax collector 's office and they assure me nothing has been paid. I also received a letter from the tax collector 's office on XX/XX/XXXX stating that if my taxes are not paid by XX/XX/XXXX my account will be considered delinquent and turned over to the county for collection with additional penalties and fees. I have called the mortgage company over 10 times and have send tax inquiries through their website 4 times and no one seems to be doing anything with my account. 

Any help is greatly appreciate it.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (NV)

ATTENTION TO CLARK COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ). I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire XXXX SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RGS Financial, Inc. (AZ)

RGS Financial started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and RGS " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.
Consumer complaint received 2019-06-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

submitted XXXX written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '
Consumer complaint received 2023-01-10
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. (NY)

I have tried to contact credit bureaus multiple times but they did not respond me back. I wrote to them earlier to remove some negative accounts reporting on my credit report. Now I may qualified to launch a complain against them that they are in violation FCRA rules and not properly investigating my disputes.
Consumer complaint received 2020-11-16
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. (CA)

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX/XXXX XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (GA)

This company is attempting collect an alleged debt of {$590.00} that is reporting onto my credit report and I have contacted them multiple times requesting debt validation. This company refuses to validate this alleged debt and it is still showing up on my credit report. 

On XX/XX/2020 I spoke with someone at XXXX XXXX  about the dispute letters that I have sent. I was told that they have my dispute letters yet The Bureaus has no media on file to validate the debt and that is why I have not heard anything back. They said they will send validation when they can find the documentation. 

How are they reporting onto my credit report and they have no media to validate the debt. I also updated my mailing address with them so that they can make sure that anything they send makes it to the correct address. It has been almost a month and a half and I have received nothing, yet they have not validated. 

I want this alleged debt removed from my credit report and my file closed in their offices!
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. 
this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. 
This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. 
stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. 
My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. 
This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Applied for a Wyndham Rewards earner VISA credit card on XX/XX/2021 in response to an offer recevied via email the same day. The advertising provided for an offer of 60,000 bonus points, but Wyndham granted 30,000 points only. Contacted XXXX XXXX ( credit card issuer ) at XXXX on XX/XX/2021 to resolve this issue and was told that the offer shown on the system was for 30,000 bonus points only.
Consumer complaint received 2020-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In XXXX My mortgage was Transferred to XXXX XXXX  company. With whom I paid my mortgage to every month. In XXXX I had purchased a small loan from a predatory lender. XXXX XXXX XXXX which they charged me a substantial amount added to my mortgage loan. In XXXX my mortgage was transferred to XXXX XXXX who then wanted me to get a remodification on my loan. When I was with XXXX XXXX Company My monthly mortgage was {$560.00} a month. When I went to do the remodification with XXXX they wanted me to pay {$1.00} XXXX per month. During the Obama administration he stated that no one should be have any predatory lenders on their mortgage. Finally I get a letter after all stating that my loan is paid in full. They owe me money for ruining my credit.
Consumer complaint received 2019-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (IL)

I have a loan that is currently in repayment. Conduent was the servicer. I attempted to login to make a payment and a new message came up that states that Conduent is no longer the servicer and to contact the new servicer. I was never informed by mail, email, phone, or otherwise that the loan servicer was changed and now I have no idea where this loan has gone. I believe the loan now has a balance of {$240.00}. Original amount was {$2000.00}. The loan was originally through the University of XXXX. I can not find any new servicers or Conduent on the XXXX. How do I find this loan and resolve this. I would like to pay it off so that it does not keep getting cycled through servicers. This was inappropriate to not inform me and risk my credit.
Consumer complaint received 2020-05-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Accounts Service, Inc. (Indiana) (NM)

The manager of the company XXXX XXXX threatened to sue me, get me arrested for not paying a debt he claims I owe. He stated they own the debt not XXXX plan and they are reporting on my credit report that XXXX plan owns it. He threatened to ruin my credit and did. I am trying to start a business and cant get funding due to him lying about my income, lying about my debt, telling my entire family I owe a debt and I dont believe its mine. I never got a letter from the company that he runs. He is my cousin and told my entire family about this issue and they believe I am a bad person because of his lies. Professional account services. PAS of XXXX   XXXX, in. He also threatened to to continue charging me interest on it as though it was active and he has done so. He also has cussed at me and lied about my income etc. he XXXX fed I pay immediately or suffer the consequences. he has violated all of these laws : Initial demand letters that ask for payment immediately or in less than 30 days. ( By email and phone call ) The debt collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period my violate the FDCPA, even if the debt collectors contradiction is not threatening. ( he did not inform me they held the debt I had to contact the company due to it being on my credit report as a write of of {$5300.00}.

Accusing you of having committed a crime. ( he accused me of stealing due to not paying ) Contradicting or Overshadowing of the Thirty Day Validation Notice. ( By phone ) The collector is required to inform the consumer in the first communication or within five ( 5 ) days thereof that the consumer has thirty ( 30 ) days within which to dispute the debt, request in writing verification of the
alleged debt, and/or request in writing the name and address of the original creditor. To contradict or overshadow this thirty ( 30 ) day period within which the consumer may exercise his rights violates the Act. The contradiction need not be threatening.

He was very threatening and mean and cruel.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Keep getting same call from Capital One saying call back we have important information for you That is all..every day same call My credit bill is fully up to date I am being harrassed
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE TRIED MORE THAN 3 TIMES TO DISPUTE AN INACCURATE CHAPTER XXXX BANKRUPTCY THAT IS ON MY TRANSUNION CREDIT PROFILE, I HAVE EVEN CONTACTED THIRD PARTY PUBLIC RECORDS REPORTING AGENCIES SUCH AS XXXX AND LXXXX XXXX AND NEITHER OF THEM WERE ABLE TO VERIFY THAT I HAVE A BANKRUPTCY, SO AFTER NOTIFIYING TRANSUNION THAT XXXX WAS NOT ABLE TO VERIFY THE CHAPTER XXXX BANKRUPTCY TRANSUNIONS NEXT CORRESPONDENCE ON HOW THEY VERIFIED THE CHAPTER XXXX BANKRUPTCY WAS THROUGH THE XXXX XXXX XXXX MICHIGAN ( XXXX XXXX XXXX XXXX, XXXX MI XXXX, ( XXXX ) I HAVE REACHED OUT TO THIS COURT AND THEY HAVE RESPONDED SAYING THEY DO NOT VERIFY ANYTHING WITH ANY CONSUMER REPORTING ANGENCIES, THIS CHAPTER XXXX BANKRUPTCY IS NOT REPORTING ON ANY OF MY OTHER CREDIT REPORTS, TRANSUNION STILL TO THIS DAY HAS NOT PROVIDED ME WITH THE SOURCE OF THEIR VERIFICATION, I HAVE ALSO INFORMED TRANSUNION THAT I AM A RECOVERING VICTIM OF IDENTITY THEFT AND STILL DONT KNOW ALL THE DETAILS OR ACCOUNTS ON HOW MY IDENTITY WAS MISUSED AND THAT THEY SHOULD THOROUGHLY INVESTIGATE MY DISPUTES OF INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT, I HAVE TRIED EVERYTHING I CAN POSSIBLY DO EXCEPT TAKE THIS MATTER TO A LAWYER WHICH SEEMS LIKE MY ONLY OPTION LEFT, PLEASE CPFB CAN YOU HELP ME WITH HOW TO GO ABOUT THIS IN A LEGAL MATTER BECAUSE THEY ARE NOT GIVING ME ANY INFORMATION ON THIS AND HOW AND WHO THEY ARE VERIFYING THIS INFORMATION WITH.
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (CA)

I originally had phone service with XXXX and decided to go with XXXX XXXX XXXX. However, before doing that- I visited a XXXX store to make sure i didint owe an outstanding balance. I was advised by the representative that assisted me name XXXX that my account was all paid up and she assisted me in closing the account. 

About 2 in 1/2 months later I received a bill alleging I owed for a final bill that was past due?? I got XXXX on the phone and demanded to speak with a manager. XXXX apologized for the error and said the final bill had not come out at the time I visited the XXXX store. He said the account was being sent to collections and that I could pay him and it would be resolved. I also moved which explains why there was a delay in me receiving the final bill. 

That said, I paid the bill ... .. about a month or so after that Allied Collection placed the account on my credit. I contacted Allied Collection Agency and advised them that the account was already paid and requested they remove the debt from my credit. I also contacted XXXX and was told they would also request the account be removed. It has been several months and the account has not been deleted from my credit. However, Allied has now reported the account on my credit as PAID when I never paid them - I paid XXXX before it was in Allied system.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.