davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX I called XXXX XXXX To settle a charge off of XXXX XXXX ( Current servicer : resurgent capital services LP On XX/XX/XXXX I spoke with an agent requested a payoff settlement amount they approve me for two {$250.00} Took my money over the phone And said it was settled and that within 30 to 40 days I would see a difference on my credit report. 

( ( ( XXXX smart connect Acct Number # XXXX XXXX XXXX XXXX   {$850.00} They agreed to take a settlement amount of {$250.00} In cash Transaction XXXX Settled as agreed!!!! 
30-45 days updated on Credit report XXXX XX/XX/18 PAID Confirmation # XXXX PAID!!!! 
RCAP / RCS processed ) ) ) Then a letter dated XX/XX/XXXX was received at my house on XX/XX/XXXX REF : XXXX stating I still owe {$600.00} whereby The Agent LIED To deceive me!!!! Not OK
Consumer complaint received 2019-05-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (LA)

Mr. Cooper is neglectful in communicating within certain departments like insurance and escrow. I was told my insurance on a new house would be paid then told it would not. The neglected cause a cancellation insurance and they are charging me additional monies due to the promise made by different personnel. I ask for financial relief because I was paying rent and mortgage and was not given any relief.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from XXXX XXXX XXXX that was purchased from Capital One. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by XXXX XXXX XXXX, even though the timeline for collection is already passed, and Capital One did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to Capital One, no exceptions. The account is fraudulent and can not be rectified as Capital One has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (UT)

I received a notice about change of terms from my XXXX Comenity Bank credit card. I noticed the late fee charges. They hadn't changed but it piqued my interest, remembering reading about the Credit Card Accountability Responsibility and Disclosure Act of 2009. I had saved an article that covered the terms. I noticed that there was a cap of late fees for first time offenders of {$25.00}. I noticed my card late fee for this was {$28.00}. I've attached a copy of the agreement that shows this information. 

I called and naturally the reps knew nothing about the law and one told me that the {$28.00} fee had been in effect for as long as she worked there. She transferred me to a supervisor who also knew nothing about the law and was of no help. When I suggested that he should look into it, he said there was nothing he could do. 

I called FDIC and they referred me to you. They also suggested I look on the site for other agreements and see if other banks are complying. I did download a database of 121 other agreements. It will be interesting to see how many are complying with the law. However, this should be your job, not mine.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Southwest Credit Systems, L.P. (CA)

I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX  website per their request, but it keeps crashing.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with Experian. I also filed a complaint with the FTC, which I have attempted several times to upload to the Experian website per their request, but it keeps crashing.
Consumer complaint received 2018-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (CA)

My phone and wallet was stolen inside my wallet was my debit card multiple transactiOna I guess were made when I got a new phone and check my account it only had XXXX dollars I called the company ASAP to have my account closed when I called more transactions was made that day now there telling me I cant get my money
Consumer complaint received 2019-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (GA)

This company has been calling for 3 days even on the weekend. I spoke to representative by the name of XXXX and advised the person she is asking for is unknown to me. In addition, that person has never been connected to my phone number unless is was 16 years ago. I have had this numer for 16 years.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is a different account for XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO TRANSUNION LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXXAND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Consumer complaint received 2019-05-14
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)

On three different occasions ( see attachments ), I sent a dispute letter to TransUnion disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me. 

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did TransUnion verify this account? 

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In a accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy. 

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX university # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (WA)

On about XX/XX/18 I received a letter in the mail posted from ; Cavalry SPV I LLC, claiming they have a contract and that I owe them XXXX. This is false, illegal and unlawful. 
I have never come in to agreement with or produce a verbal or signature contract with Cavalry SPV I LLC,. This corp, Cavalry SPV I LLC, has inflicted harm on my estate, my interest, lively-hood ( job ) and XXXX, XXXX  which have received defaming correspondence as well and under false pretense levy illegal fines and present false claims to XXXX Superior court. This corporation is acting in bad faith and unlawful, as last I checked thru the credit agency 's this debt does not exist, further more this corp can not ever produce an original contract between parties, with this statement I would want a immediate cease and desist action, compensation for damages as follow ; 1. {$10000.00} per page in all correspondence, This is harassment. 
2. {$10000.00} per every {$1.00} seized from wages 3. {$120000.00} per instance ( 2 ) for pain, suffering and defamation., ( 2 ) -work-place defam/ Personal damages )
Consumer complaint received 2018-07-21
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX HAS REPORTED MY ACCOUNT TO EQUIFAX LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (TX)

ACCT #   XXXX     XXXX   XXXX   First of all this account is not paid, I did not find an option regarding my problem on this consumer protection, First of all My name is   XXXX   XXXX   I went to the ER at   XXXX   XXXX   on  XX/XX/XXXX  I handed them my   XXXX   card and obviously they did n't bill to   XXXX   like they should have, I called  XXXX  to the billing department they told me that my bill was sent to collections after I had already sent by fax and email on  XX/XX/XXXX  at   XXXX   XXXX  . a letter stating that I had  XXXX  at that time and that I keep receiving bills even with this email I never got a response from them at all by email or at my residence regarding my dispute I was just being ignored, so then they sent my bill to   XXXX   XXXX   XXXX   original creditor, when I received a collection letter from them, I also sent them a proof of my   XXXX   card and waited for their response, after a couple of more months I received a collection letter from a current creditor PENDRICK CAPITAL PARTNERS II   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX  IL   XXXX      XXXX   XXXX     XXXX   I also sent them a notice on  XX/XX/XXXX  at   XXXX   XXXX  . to stop harassing me and to bill   XXXX   since I had  XXXX  at the time of service and I am still on collections.
This is a HIPPA violation I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party, and I have been trying to resolve this matter from point A (   XXXX   XXXX   XXXX   BILLING DEPARTMENT ) To POINT B AND C -- - with all this collectors.
Please help   XXXX   XXXX   DATE OF SERVICE  XX/XX/XXXX  CLIENT ACCOUNT # that Pendrick Capital Partners II Has on my account is  XXXX  Identification No :  XXXX  Amount Owed {$1900.00} Settlement Amount {$1200.00} My   XXXX   Member Id number is :   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   PLAN ISSUER ID :  XXXX  I also contacted   XXXX   XXXX   XXXX  , and I got advised to contact your department and also to contact the federal Consumer Financial Protection Agency.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (CA)

I received a letter from XXXX XXXX Back dated on XX/XX/2019 stated that I need to further provide information, otherwise, the credit card application will not be approved. Upon the time, I was aware something wrong, so I checked my credit report, it did show XXXX XXXX requested my credit report on XX/XX/2019, but the customer Rep at XXXX  said XXXX XXXX requested credit report but did not have a track of credit card application. Just over a weekend, I received a full pack of information included a credit card from XXXX XXXX on XX/XX/2019. I called XXXX XXXX and asked to close the account on XX/XX/2019. 

First at all, I did not submit the credit card application ; secondly, I did not reply the requested further information, but the credit card was still approved and sent out. 
.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC (MA)

Someone obtained my acct info @ XXXX XXXX. Opened an online banking acct ( I never have online banked ) Moved total of XXXX. out of my acct into theirs using ZELLE . 
I did not authorize. Bank has denied my claim for reimbursement.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This mortgage was owned by XXXX who sold it to Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX ( XXXX ). 
This mortgage was purchased by SLS in XXXX, XXXX. I received a letter from SLS informing me of the purchase, but it stated XXXX would still service the loan, so the XXXX payment was made to XXXX. 
When SLS told me the XXXX payment was due, I told them it was made. We found out XXXX had sent this payment to SLS, along with the Escrow and all paperwork. It took SLS almost 30 days to acknowledge they located the payment. ( I had filed a complaint against XXXX over this ). 
In early XXXX, I received a letter from SLS saying they believed my homeowners insurance ( XXXX XXXX XXXX XXXX ) had lapsed in XXXX, XXXX, and had not been renewed. SLS stated they would wait for my response, then take out a new policy with THEIR OWN insurance co., at a much higher rate. I sent them the proof of insurance showing AUTOMATIC renewal in XXXX, XXXX until XXXX, XXXX. Next, a few days later, I received a letter and check from SLS saying I had an overage in my ESCROW Account, being {$3200.00}. I checked with the XXXX County, Fla. on our real estate taxes ( supposed to be paid from escrow ), and they were not paid. They should be paid in XXXX, XXXX. SLS could not tell me why the taxes were not paid. I finally asked they void the check and pay the taxes.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I have an account which has been charged off. It is with JPMCB Card Services in the amount of {$2800.00}. 

I pulled my credit report today and noticed that they are reporting me as paying them during the months of XXXX and XXXX, XXXX and XXXX, XXXX, and XXXX in XXXX. I can guarantee you I would not have made a payment on a charged off account, thus, restarting the timeframe for which it will fall off the report. Unless, of course, we came to an agreement. This is an erroneous error and egregious for that matter. There was not even a decline in the amount owed. 

This is a blatant violation of FCRA regulations and if the account isnt removed immediately, I will be seeking a minimum of {$1000.00} in damages per day per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the FDCPA ( including, but not limited toSection 807-8 ) Violation of the FCRA ( including but not limited to Section 623-b ) Violation of FCRA ( Section 695-c ) I have attached photo shots of my credit report. I went back as far as I could and noticed it started in XX/XX/XXXX. That would be the start date I would be filing for, if this goes to court. 

I hope we can end this amicably and remove it from my credit bureaus ASAP. I am still willing to settle the account for the amount discussed a few months ago if you move forward with this action immediately. Otherwise, I will get litigious and file at suit for above said violations Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Consumer complaint received 2020-04-22
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. (CO)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.
Consumer complaint received 2017-09-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Red Cedar Associates LLC (TN)

Red Cedar Associates keeps calling me on behalf of XXXX XXXX - XXXX. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.
Consumer complaint received 2021-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.