davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TN)

Account Name : CAINE WEINER Account Number : XXXX Balance : {$220.00} This letter is a formal complaint against CAINE WEINER, a collection agency located at XXXX XXXX XXXX XXXX XXXX CA XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

They have refused to validate the debt. I have sent my validation letter on XX/XX/2021. Even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable.

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

They did it again. They fixed prior errors reporting me late, but I paid the mortgages off, so they had to do it again. Specialized Loan Servicing reported To XXXX : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages To XXXX  : 30 day late for XX/XX/XXXX on 1st & 2nd Mortgages. 

They keep defaming me & wrecking my credit again. This has been since XX/XX/XXXX. I respectfully DEMAND retractions from Specialized Loan Servicing for this abuse and deliberate harassment. I am a senior citizen & my husband is a veteran. 

Again : I have my receipts & their receipts, so what's their purpose. 

THEY NEED THEIR LICENSE REVOKED AND TO BE PUT OUT OF BUSINESS. 

They gave me an ulcer from all of this & cost us substantially financially just so they could keep charging extra fees ( stealing ; criminial conduct ) and trying to prevent us from refinancing. 

I have more supporting documents but your website would not allow me enough space. I will file a separate complaint with those docs
Consumer complaint received 2018-02-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO Bank, N.A. (IL)

XXXX XXXX  in my previous complaint did not address why they violated Regulation B and did not respond within 30 days. there is a message received on XX/XX/XXXX XXXX XXXX from XXXX with XXXX XXXX Bank in XXXX that he received my application. the bank sent the denial on XX/XX/XXXX almost 90 days later. I feel that I was treated unfairly and then XXXX XXXX  called with denial that did not explain all the reasons for the denial and instead they discouraged me to proceed with the refinance because of the high rate in my situation and instead told me to apply for the modification that was denied. they refuse to provide me any additional options. the only option they may consider is short sale which I refuse to do and want to stay in the house
Consumer complaint received 2021-09-21
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. (AZ)

I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX/XXXX 2. XXXX XXXX 3 XXXX 4. XXXX/XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.
Consumer complaint received 2021-05-04
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. (GA)

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME
Consumer complaint received 2020-01-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX  THIS OS NOT MY ACCOUNT
Consumer complaint received 2018-04-06
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)

I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX  mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed.

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX.

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX  lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse.

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OZK (GA)

the dates XX/XX/XXXX thru XX/XX/XXXX amounts up to 3000 in interest and extra fees i reached out to the bank of ozarks in regards to a late payment and extra fees. ( there is a time period for payments to be made in a month ) i spoke with the manager and they said for one time they can forgive/waive the late payment. ok i made a payment within the next time period. i get a notice saying i had a past due amount. i call the bank and asked them about the past due amount. they acknowledged an error and said everything would be corrected. 
i then get a 60 day past due notice. with fees and extra interest fees. this was around XX/XX/XXXX. i requested to speak with a manager again and explain the mixup and problem. we also discussed the problem it would cause my credit. they assured me it would be corrected. 
i told the bank i was disappointed with the bad service and accounting errors. i expressed to them that i would like my account to be reviewed, frozen, etc. 
i have tried to communicate with this company many times but the service is bad and their communication is worse. 
i think the company need to get their license revoked. this was by far the worst bank i have done business with.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-11
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. (FL)

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third admitted to selling my information without my permission to XXXX XXXX XXXX. Both businesses refuse to validated, and this not my account. The address, XXXX XXXX XXXX, XXXX, Ga XXXX, is I never lived and on farther investigation it is a hotel ( business ). This is really affecting my quality of life and I would like it off my credit report now. More than investigation in the matter I seen that my rights were violated based on FDCPA Laws as follows : 15 USC 1692, 1692a ( 3 ) Definition of a consumer as any natural person obligated on or allegedly obligated on a debt ; 1692 a ( 5 ) Definition of a debt as an obligation for money, goods, insurance, or services for primarily personal, family or household purposes ; and 1692 a ( 6 ) Definition of a Debt Collector as collectors, collection agencies, etc
Consumer complaint received 2021-02-11
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. (IL)

Attached please find the FTC report requiring TransUnion to remove the tradeline XXXX XXXX # XXXX. I have also sent this to TransUnion via certified mail. To this point, they have ignored the FTC 's order. They should either be required to obey the law or be fined and sanctioned.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I want to understand why my credit score varies month to month. I pay my credit card balances completely every month, as well as all of my bills.I own my own co-op apartment debt free. My income and my assets have been going up annually for several years as well.The last loan I had was in XXXX for an automobile and that was paid off in 6months. I am being penalized because I have not a mortgage for 15+ years or opened any new credit lines The companies reporting these specious reports as of XX/XX/XXXX are XXXX  and Experian. When I spoke with their representatives they blame the banks. When I speak with the bank they blame the credit reporting agencies.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (ME)

This compliant is still on going. I resubmitted my modification application on XX/XX/XXXX and we are still stuck on the same issues. I did provide proof of income with my application to support the last three months of unemployment. TD Bank is requiring that I provide a " Current Benefits Statement '' from my State unemployment office. I have called the State numerous times since last year, and no one that I speak to knows what a " Current Benefits Statement '' is or how to produce one. I did submit three months of my benefits from the unemployment website. I can submit a XXXX for XXXX and have offered that as an option to support my income. If TD Bank believes that a " Current Benefits Statement '' exists, then I am guessing they have seen many this year and I've been talking to the wrong people. They should provide me with a blank copy that I can share with the State so I can move this along please. Also every government form has a form id or number which also should be made available to me by TD Bank. 

On XX/XX/XXXX, I emailed XXXX XXXX who introduced herself as someone that was going to help me with this issue. It has been over a week and she has not responded to my email or called me. I am requesting that I be provided with a contact that is a loan officer who can speak directly to the loan application process. This is how banks like TD Bank used to operate. I also want to know if either of my mortgage or HELOC are located in TD Recovery, and if so, why? I have never missed a payment. Lastly, I need a weblink that show the current mortgage and HELOC rates for both of my loan types please.
Consumer complaint received 2018-02-06
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. (NJ)

I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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. (GA)

I have sent numerous verifications and request for validations to Experian about an inaccurate account being reported on my credit report. The account in question is : Account # XXXX XXXX XXXX XXXX XXXX {$6400.00} Experian has continue to report factually incorrect information on my credit file regarding this account. The loan account They are reporting is identifying as an installment loan which is factually incorrect. The true account type for the type of account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately! 

I would also like monetary relief because of this inaccurate information. Due to this false information on my credit report, it has caused me to be denied for various credit products and services.
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (FL)

I Started with freedom debt relief XXXX XXXX years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through consolidation plus which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another XXXX years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Benworth Capital Partners LLC (GA)

I applied for a XXXX XXXX through XXXX, and this was the funding company that they provided to fund my loan. I have been attempting to sign my loan documents for a couple of days now with no luck. The problem was with the authentication method, and I just needed to be sent a new way to authenticate. I was instructed through the docusign system to contact the lender which I have tried over 12x through the 2 emails provided on their website. My emails are coming back as undelivered. I tried to call them several times and the numbers are all giving busy signals. I wrote them on XXXX thinking that would be a faster line of communication and they have an automated response. I went to their reviews on XXXX and A LOT of ppl are having the same problem as me but for a longer period of time. And never receiving their funding but their status being : FUNDED and they havent been, And their communication isnt there! Im confused and I dont want to be a victim of any type of scam when I really need this money for my business! I have payroll coming up and this was the whole reason for applying! Im just needing some clarity, on what I need to do and to speak with someone in their office to walk me through getting my funding and not having weeks of misunderstandings and no funding, when its stated that Im almost funded. Please help!
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

am contacting Bank Of America in reference due to a balance owed from a overdraft checkings account. I am requesting for a typed document which stated the amounts owed and the also the account number associated with the overdraft amount. I am requesting for the account to be deleted from XXXX, The XXXX  XXXX  XXXX and XXXX XXXX and any other reporting system. For an agreement or exchange to pay this balance on my reports from years ago. The derogatory information you have provided in reference to this account is visible on my consumer report/file with the agencys listed above. As this is damaging my chances with any future banking relationship with other banks. Please acknowledge this written statement and send a balance and payment option document to the address you have on file or that submitted with this dispute.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (CA)

I received a letter from Citi ( Costco Card ) dated XXXX XXXX advising me, my Costco Anywhere Visa would soon expire, but due to a bankruptcy or a charge-off on another card they would not be renewing my card. I have never been delinquent on any credit card, or loan that I have opened.

Since I have owned this card, this has been a yearly issue. I have to contact Citi yearly and have them re-issue my Costco Anywhere Visa card. In addition, I have demanded that if there is an outstanding account, that they provide me with said information, but they have never been able to provide me with any such account. I have also reviewed my credit reports and have found no such account. 

Today, I spoke to XXXX XXXX Grp # XXXX ), an Escalation Mgr. at Citi who was also unable to resolve my issue, but provided me with the address to the Executive Response Unit which I also plan on engaging.