davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within 30 days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. also according to XXXX it states the debt collector is not registered to collect alleged debt in the state, please see attachment below. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I was in a forbearance lost my job my tenants didnt pay rent for 18 months been trying to get a deferral on my payments since XXXX they keep telling me i didnt turn in documents which i did over 10 times tried paying back payments denied to take my money the day after sent default letter than canceled it they said, then said 30 days pay stubs when XXXX ran out then said i needed letter for bank account i didnt have and wanted proof of rent my receipts wasnt exceptable then spoke to management gave me her word foreclosure was placed on hold next day was in foreclosure they canceled my forebearance put me in foreclousure while in forbearance and said they couldnt locate forebearance they are throwing me around when this could of been resolved back in XXXX now im 8 months behind have a job tried setting up repayment plan say i cant because foreclosure status im scared of losing my house i have alot of equity in home and believe they are doing this to gain my equity can you please help me?
Consumer complaint received 2022-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. Purusna to 15 use 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. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Consumer complaint received 2017-06-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

In reference to complaint submitted #  XXXX  the SLS company response does not address the issues of previous complaints. We do not understand this response.   The company refers  to two earl ier written communications but did not provide the copies of them.
Consumer complaint received 2017-06-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

V A Loan 3/1 ARM  2.375 % - with adjustment period ending  XXXX   XXXX ,  XXXX . Loan holder -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX  Utah,  XXXX  Loan Number  XXXX .   Loan Servicer  XXXX    XXXX   to date ; Loan Care   XXXX   XXXX    XXXX ,  XXXX   XXXX , VA  XXXX .   Loan #  XXXX .    Loan Servicer   XXXX   XXXX  to  XXXX   XXXX .  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NC  XXXX  Loan #  XXXX .   I never received required legal disclosure per  12 CFR 1026.20 that the  interest rate was going to change until  XXXX   XXXX . I was required to get notice at lea st 210 but  not later than 240 days prior to the adjustment period ending. This was also stated in loan documentation. I called  XXXX   XXXX  and they told me it was the loan servicer 's responsibility. I calle d Loan Care  and they told me told me to check  XXXX   XXXX . I reviewed of all documentation ever received from  XXXX   XXXX  and there was no disclosure. I sent certified letters to  XXXX   XXXX   XXXX  and  Loan Care e arly  XXXX  stating the rate needs to stay the same 2.375 % for at least another year.   I received a letter from  Loan Care  dated  XXXX   XXXX , received  XXXX   XXXX , stating the interest rate was going to change  XXXX   XXXX  to 3.375 %. I need help getting both companies to keep the interest rate at 2.375 % for another year and to ensure they send me the required disclosures on time in the future.
Consumer complaint received 2018-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

I saw this on XXXX XXXX and disputed it please send me a letter and in that letter you asked to put in someone else 's information so that is violating HIPPA law IT has personal information of the other party so I tried contacting them and are they tell me was that they were sorry and they wanted me to send it back to them immediately. They were giving me the runaround I called the number that was on the letter apparently that was a wrong number to the routed me to someone else I 'm supposed to that person and I he tell me he was to send it back. They were being and uncooperated I told them that I was going to call the CFPB because it was a big violation that I thought needed to be reported. On the other bill it 's not even my first name is spelled A different way and I have no reconition of the account so I want it off my credit report. And as I was looking at it it 's over seven years old. The only resemblance that we would have is the address street fees XXXX just like mine but im in XXXXand she is in XXXX.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

THE ACCOUNT RECEIVEABLES PERFORMANCE WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (VA)

The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XX/XX/XXXX, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. The credit balance showed up on my BlueBird by American Express account within a day or two. On XX/XX/XXXX, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that funds in the amount of {$520.00} " have been returned to the merchant. '' Almost a year later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline ( even though American Express has already stated in writing that the funds were already returned ). Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. After almost one year, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost a full year. American Express 's written communication from almost 1 year ago indicated that the funds " have been returned to the merchant. '' American Express, by its own omission, has not returned the funds almost a year after making this statement. This is fraud committed by American Express, as this statement was made in an attempt to deceive. I am requesting that a check in the amount of {$520.00} ( the account  balance ) be sent to me immediately and the BlueBird account formally closed.
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

MIDLAND CREDIT MANAGEMENT LLC is stating i, consumer, XXXX : XXXX, owe them a debt ( violation of my federally protected rights ) ( 15 USC 1692b ( 2 ). MCM has contacted me multiple times- ( violation of 15 USC 1692b ( 3 ). The entity they purchased from ( XXXX XXXX ) as stated, did not give them the correct information because i never had a contract with them either. They also are contacting me at inconvenient hours ( harassment ). I do not have a contract with this creditor or debt collector.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

THE ACCOUNTS XXXX XXXX AND XXXX XXXX IS NOT REPORTING ACCURATE INFORMATION ON ALL TREE OF MY CREDIT REPORTS, XXXX XXXX WAS INCLUDED IN BANKRUPTCY AND SHOULD NOT BE LISTED ON MY CREDIT REPORTS, ALSO XXXX XXXX XXXX   SHOULD NOT BE REPORTED AS LATE IT IS A CLOSED ACCOUNT AND PAID IN FULL. THE TWO LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX SHOULD NOT BE REPORTING AS LATE ON MY CREDIT REPORT.
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I reported fraud XX/XX/XXXX card end XXXX New card issued XX/XX/XXXX ending XXXX and again reported fraud. XX/XX/XXXX ending XXXX and again reported fraud XX/XX/XXXX new card ending XXXX USAA sent me enclosed IMPORTANT NOTICE ( ** Undated ) Why you are receiving this new USAA credit card? WE HAVE DETERMINED THAT YOUR USAA CREDIT CARD INFIRMATION SUCH AS YOUR NAME, CARD NUMBER, AND EXPIRATION DATE, MAY HAVE BEEN COMPROMISED This new card ending XXXX USAA sent DOES NOT PROVIDE ME ACCESS USAA DID NOT PROTECT CONSUMERS I had already reported fraud 4 times before recieving this card MY PRIVACY WAS NOT PROTECTED BY USAA and USAA has not resolved the fraud on my account that USAA COMPROMISED left unprotected and unresolved When did USAA PUBLICLY ANNOUNCE THIS DATA BREACH TO PROTECT ALL CONSUMERS?
Consumer complaint received 2018-01-16
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. (MS)

XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX Experian reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago.     They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was  XXXX   XXXX  a t    XXXX   XXXX  , central time, from  XXXX .     Their last known address is Commonwealth Financial Systems , Inc .    XXXX   XXXX   XXXX .    XXXX   XXXX , PA  XXXX
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Hello! 
I am a Delta Skymiles member and I received a letter from American Express offering me a Delta Gold American Express card. The offer was if I spent {$1000.00} in the first 3 months I would receive XXXX Skymiles as a bonus. I was specifically targeted for this offer. I applied and was approved and received the card. I spent the required {$1000.00} within 2 weeks. I have been monitoring my Delta account to see when I was going to receive my bonus miles but the bill closed on XX/XX/XXXX and I still did n't get any bonus miles. So today I " chatted '' on line with an XXXX rep who said that I was not entitled to the bonus miles because I have had this same credit card sometime in the past. If that is true then why did American Express specifically target me for this offer? They absolutely know that I had this particular card sometime in the past. If I am not eligible for the bonus points then I should NOT be offered them as a bonus for signing up for this card. It 's false advertising. American Express said there is nothing that they can do for me so that 's why I 'm contacting you. It 's bait and switch. Thanks for your help in this. XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Again this will be my XXXX time asking this company y to remove the items listed below I never did business with them. Never had an account with them this was all due to fraud. All other credit report removed the times yet exqfax is saying they verified them how can that be. Please for the XXXX time remove the items please Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2022-08-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CA)

I did two modifications one in XXXX with XXXX XXXX and another with M & T bank in XXXX. M & T bank claims that they made me aware of a second lien on my property over the phone. I alleging that that conversation never took place, moreover I'm under the assumption that no oral agreements exist. M & T Bank sent me the XXXX modification documentation with XXXX XXXX which shows a second lien that I did sign for, However the XXXX modification failed to inform me of a second lien ; I was lead to believe the modification I signed in XXXX with M & T Bank was for my total loan amount of {$100000.00}. I'm charging M & T Bank with failing to disclose full details of my loan and making me believe I only owed the amount I signed for in the XXXX modification with M & T Bank. I don't understand why the XXXX modification with XXXX XXXX has any effect on a different and separate modification with a different entity being M & T Bank in XXXX.
Consumer complaint received 2020-09-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

The company in question ( XXXX XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management (AL)

ON XXXX XXXX, 2017 A FEMALE CALLED XXXX AND ASK FOR XXXX XXXX WHO IS MY SPOUSE. I ADVISED HER HE WASNT IN. AND I CAN ASSIST HER. SHE THEN WENT ON TO TELL ME HE OWE A DEBT AND THE AMOUNT WAS XXXX. I ADVISED THE COLLECTOR THAT THE AMOUNT WAS INCORRECT. SHE BEGAN TO GET LOUD AND CURSED ME AND SAID XXXX PAY YOUR BILL. SHE DID IDENTIFY HERSELF AS " XXXX ". THE NUMBER CAME UP AS A XXXX XXXX NUMBER WHICH WAS XXXX. I ADVISED HER NOT TO CALL MY PHONE BACK AND I CALLED HER A NAME. SHE THEN CALLED ME BACK AND SAID YOU ARE A XXXX AS WELL. I CALLED THE COMPANY XXXX XXXX IN XXXX AL. AND THEY GAVE ME THE NAME OF THE COMPANY WHO HAS THE ACCOUNT. PLAZA SERVICES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. GOT A GUY ON THE PHONE AFTER WAITING 25 MIN TO SPEAK WITH A SUPERVISOR. THIS WAS A VIOLATION OF FDCPA PRACTICES.
Consumer complaint received 2018-01-21
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I applied for a Capital One credit on XXXX XXXX. Capital One hard pulled my XXXX credit report on the XXXX and they hard pulled XXXX again on the XXXX. They denied my application on the XXXX saying the reason is there are too many inquiries on the XXXX credit report. This is ridiculous! First of all, Capital One does not need to pull my XXXX report twice in two days. Secondly, after they hard pulled my credit report twice in two days then denying my application based on that makes no sense.