davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: U.S. Collections West, Inc. (CA)

US Collections West and its Associates are in violation of the following FDCRA sections : 1 : Willful neglect of FDCRA section 805 ( c ). On XXXX/XXXX/2016 at XXXX XXXX. The consumer requested in writing that US Collections West cease and desist telephonic communication regarding the disputed debt through the CFPB platform under complaint ID number XXXX. 

On XXXX/XXXX/2016 CFPB CSR confirmed delivery of written response/request to cease and desist was received by US Collections West. 

The week of XXXX/XXXX/2016, the consumer received more than XXXX phone call from US Collections West. 

US Collections West attempted to circumvent The FDCRA by utilizing an unlisted and unassociated phone number it owns to contact me. The calls were received from phone number XXXX XXXX XXXX XXXX. US Collections West publishes and prior to complaint ID XXXX communicated with me using their published phone number of XXXX. 

After receiving the cease and desist notification on XXXX/XXXX/2016, US Collections West willfully and unscrupulously continued to contact me using telephonic communication of an alternate number. Telephonic records in my possession illustrate the deceitful practice used to circumvent adherence to FDCRA.
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CMI Group, Inc. (VA)

I have been with XXXX for 12 months at my previous address. Upon my move I 've returned all the XXXX equipment. I 've also had Home Security. I purchased a new home and XXXX does not service in the new location. So I 'm forced to find a new provider. XXXX has now charged my account {$800.00}. Stating that I am in violation of their 3 year contract. I spoke to a rep on XXXX and she assured me that the issue would be taken care of. I then called today XXXX to follow up and I was told by XXXX XXXX ( XXXX ) that she could not remove the {$800.00} charge from my account. I also received a letter from Credit Management LP and the debt has been placed for collection. I have been a loyal customer for over 10 years and I find this quite threatening that XXXX would treat their loyal customers with such disrespect.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

ITEMS WAS DELATED FROM MY CREDIT REPORT HOWEVER THE ITEMS IS STILL SHOWING ON MY CREDIT REPORT AFTER RECEIVING NOTICE FROM EXPERIAN THE ITEMS IS REMOVED
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On or about XXXX XXXX, XXXX and XXXX XXXX, XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not a signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.
Consumer complaint received 2016-05-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I complained befor about mortgage co sps, inc.they are now harassing me even more for more money. I have made all payments on XXXX of each month for last 4 years to XXXX WHO TRANSFERED ME TO XXXX WHO SENT ME TO SPS.NO ONE IS HELPING MY WIFE AND I. I ALSO HAVE HAD XXXX AND GET HANG UP CALLS AT XXXX EACH DAY. XXXX is misinforming sps about my account sps lied said everything was ok when XXXX XXXX called and assured us .then we got letters of foreclosure and that we owed more money and adding a XXXX late fee each time HELPPPPPP
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (MS)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS! 

DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (NY)

Okay so I had my bank account closed from spring bank last year, due to fraud I told the kn estimator that it was not done by me, and he accused me of putting the fake checks in my bank and told me to pay, I refused to pay and it seems like they have fclowed down my account and have send my information to early warning services, now that I have trying to open a bank account through XXXX and XXXX they are saying that I have a red flag, I need this red flag removed by early warning services.
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (FL)

Received 2 letters stating a debt to XXXX that does n't exist. XXXX confirmed this ( we are on autopay ) and said they have their own debt collection department and do not use an outside agency.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I filed a dispute with Capital One about a purchase I made at Saks Fifth avenue store. I sent the letter certified mail on XX/XX/XXXX and per Capital One rules they are supposed to sent a letter back within 30 days to acknowledge the receipt of my letter. Capital One failed to do so. At this point since they failed to follow the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX or Credit CARD Act of XX/XX/XXXX they have to remove the disputed charge of {$770.00} from my account.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (NY)

This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.
Consumer complaint received 2022-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (VA)

XX/XX/2022, I have transferred {$1000.00} via wired from my XXXX XXXXXXXX XXXX to Scammer 's bank below. 
Scammers banking information and located in NY XXXX. 
Bank site : http : XXXX Santander Bank Account nameXXXX XXXX XXXX Account number- XXXX Routing number- XXXX XXXX code- XXXX Business address- XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Bank address- XXXX XXXX XXXX New York XXXX NY XXXX Scammers misused XXXX XXXX XXXX XXXX and business XXXX Scammer XXXX XXXX XXXX has own Business website : XXXX : XXXX Scammers has used bank web : Bank site : XXXX XXXX XXXX Scammers has used business web : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Scammers created shipping tracking web : http : XXXX
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

On  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

American Medical Collection Agency has called me at least 10 times a day, after I specifically asked them not do. They were very rude on the phone. This is regarding a {$92.00} debt from XXXX, that is incorrect. I told them that my insurance was not billed correctly ( they billed XXXX instead of XXXX insurances ) and that I was working on it with XXXX and thus was not going to pay it until the proper insurance went through.
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX I received a letter from Capital One regarding my concerns with my APR on my credit card account. I do not agree with the APR because it is still very expensive. I have a minimum payment that is less than the APR % which does n't do any good when I pay my bill. I have asked for a lower APR rate so that I can pay my card off in XXXX 2016. Capital One has continued to deny the decrease in the APR and my fees are the card are large which makes it hard to pay down the card. I have called Capital One several times and got the run around from different representatives. I was supposed to speak with XXXX XXXX the representative handling my case. She has called back one time and left a message. Again I have called several times and no one has addressed my concerns.
Consumer complaint received 2016-05-04
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kyle Law Group, P.C. (TX)

My name is XXXX XXXX. I am trying to get a recorded subordination agreement from the law office Kyle Law Group. This is a judgement lien against my husband, XXXX XXXX, that was filed XXXX/XXXX/XXXX. This was federal student loan judgment. I went through a HAMP re-modification with my mortgage lender XXXX XXXX XXXX XXXX. I successfully completed the terms of the HAMP agreement. I was told by a mortgage representative that in order to receive the final documents, and wipe the slate clean to get back on track with my mortgage I need to take care of the liens and/or judgments that belonged to my husband. I am the only one who is on the original mortgage loan agreement. I receive social security XXXX, my only income. My husband who was working at the time I started the HAMP re-modification process had to have his income included because we needed his income in order to qualify for the HAMP re-modification. We have been paying {$75.00} every month for the last 3 and a half years to the Kyle Law group towards the student loan judgment. This {$75.00} goes toward the interest and not the principal. Even though we are paying as agreed ( the funds are debited from our bank account on the XXXX of every month and we 've never missed a payment ). The law group says that they will not give my mortgage company a recorded subordination agreement. If they do n't do this for me then I will not get approved for permanent modification and could lose our home. This attorney is collecting this debt on behalf of the US Department of education. I wish that my husband 's income did not have to be calculated and therefore, I would not be in this dilemma. I am the original borrower on our mortgage. I do n't fully understand what my right 's are as a borrower. I originally fell behind in my mortgage payments after being diagnosed with XXXX XXXX ( XX/XX/XXXX ) and present. My employer laid me off, so the end result is where I am now. These liens have nothing to do with me. My husband recently submitted a lien complaint to your agency on XXXX XXXX, XXXX. My mortgage company said that this issue must be resolved by XX/XX/XXXX. I would really appreciate any help that you can give.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I 'm a victim of identy teff someone try to open lots of account in my name I call all the credit bur to let them no what 's going on I conct the credits about the inquery they they were spouse to be removed for some reason equfax is not remove wing it they keep giving me the runner around.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

LoanCare A XXXX did not collect enough in escrow for 2 years and sent a letter increasing my mortgage payment by {$540.00} per month. I can not afford to make such an extreme increase in payment per month.
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

Our mortgage was transferred to LoanCare, LLC ( from XXXX ), in XXXX XXXX previously we were paying our mortgage monthly on an auto debit schedule around the XXXX of each month. we were informed that our first payment would be due in XXXX to LoanCare. We waiting until XXXX XXXX, to make sure our auto payment was indeed cancelled w/ the previous company, and then submitted a payment around XXXX XXXX or XXXX, 2016. This check posted to our checking acct at XXXX on XXXX XXXX. however a couple of weeks later we received a notification from LoanCare stating our payment was never received. we had our bank faxed a certified letter stating the payment had indeed posted to our acct and should be credited to our loan. 

We made another payment the XXXX. this check posted to our account on XXXX. Today, we received a letter from loan care stating we owe them {$4700.00} ( XXXX month 's payments ) or they are reporting us to collections. This is mortgage fraud. they are taking our money and not crediting our loan, and threatening to ruin our credit. i am planning to file a police report in case our credit does get dinged. I have reported them to the XXXX ( who I am assuming they have paid to not have their rating listed, as no reviews exist ). I am going to look into changing the mortgage company.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation was really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS! 

DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Consumer complaint received 2022-02-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called the transunion credit bureau using the phone they gave me XXXX as of XX/XX/XXXX16. It is not a working number. see photo herein. Transunion listed my request for a my free annual report as a credit card application on my credit report listing it as " factact free disclosure '' .Further they listed " commonwealth financial '' as a application for credit from me. 
further they listed " XXXX '' as an attempt by me to hire a credit enhancement company. These inquiries should be deleted because I did not apply for these services and they should not be listed as inquiries on my credit report.
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/XXXX I contacted XXXX XXXX, a representative with Columbia Debt recover dba as Genesis, to discuss an attempt for debt collection. XXXX XXXX explained that the balance due was from an apartment community I had lived in. I requested documentation of said charges. Which he provided. I explained that the balance was erroneous and I did not owe any debt. From XXXX through XX/XX/XXXX I have received different documents stating different balances. Two documents are in the same form but with major inconsistencies. One document is signed by the community manager from the leasing office. My balance due on that documents is {$13.00}. The other document states a balance of {$860.00}. That document is not signed. I have emailed Columbia Debt Recovery in an effort to resolve this issue. But they have failed to return my calls or emails. This debt has been reported on my XXXX credit report. 

I can provide documentation if needed.
Consumer complaint received 2016-10-04
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage Services misapplied our XXXX 2016 mortgage payment and did not credit our account. When I provided them with a copy of the check they cashed on XXXX ( well before its considered late ), that I had to pay my bank to get, they told me it would take 10-15 days to process my payment. I called back in 10 days and was told it would take 30 days. In the meantime, I asked if they would be reporting this to credit bureaus while they find our money. They said that they could not guarantee that the folks who report their customers to credit bureaus would be told this matter is under investigation and to desist from reporting a " missed '' payment. They could only correct the false reporting after the fact. Apparently, these departments can't/wo n't talk to each other. I now have to check my credit report for the foreseeable future because these people ca n't communicate with one another. Everything is on me, the consumer, to defend my credit and good name, and prove that I paid on time. No responsibility taken by Carrington, when they could easily help by communicating with one another. Absolutely no way to be compensated for the time, effort, and stress this is taking. Since they may not be financially liable for this type of issue, they likely wo n't change. 

Overall, this is the XXXX company who has sold/purchased/owned my mortgage. I would love to have more choice in who I work with for mortgage servicing, a role in if/when my mortgage is sold, or a way of moving on from an unacceptable company without having to refinance. I guarantee these folks would n't treat us like this in person. They 're just some faceless phone bank in parts unknown, so they treat you like you need to just deal with it. Government, any government, please do something!