davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

NE CRDT COL Company violating the law. They never mail me a letter giving me a chance to disputes the claim { XXXX REPORT }. This is a Zombie debt .They did the same thing on my XXXX report, they could n't validated debt. The law is clear they supposed to send me a letter first ( XXXX ) before posting it on my report. CFPB need to stop company illegal debt this illegal debt practicing, They do n't have account number associate with account {$67.00}
Consumer complaint received 2024-01-10
Product: Credit reporting 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: EQUIFAX, INC. (WI)

On XX/XX/2023. I signed a contract through " Anyone Rides XXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about XXXX or XXXX payments. After I paid it off in full on XX/XX/2023, I contacted XXXX XXXX when it would be reported, On the first call the agent claimed that the report would pop up in XXXX months. 2 Months later, on XXXX, I see nothing on my credit report so I wait until XX/XX/2023, to see if it shows up, nothing yet. I called XXXX XXXX today at XXXX AM, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the XXXX agent and the agent sees nothing about XXXX XXXX on my report or any accounts.
Consumer complaint received 2021-02-25
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: ARS National Services, Inc. (CA)

From XX/XX/2020 thru the present XXXX XXXX XXXX XXXX has intentionally as a practice reported my credit card account multiple different ways for example one month reporting it as a charge-off then the next month report the account as a collection. 

During the same period, XXXX XXXX XXXX XXXX has intentionally turned my credit card account over to a Collection Agency ARS who would has demanded payment. 

To date XXXX XXXX XXXX XXXX continues to damage my credit and name during and including a time of the Pandemic with my written requests for a reprieve. 

I have also, have discovered that as a practice and policy XXXX XXXX XXXX . removes Civil Small Claims lawsuits nationwide to Federal Court while knowing the consumer has a right within their contract to Arbitration. 

The consequences of this actions are immeasurable.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (MA)

To whom it may concern, On XX/XX/20 I received the following deletion letter from XXXX XXXX requesting the deletion of collection item via all credit bureaus. Please note that as of XX/XX/20, the collection item is still on my credit report regardless of the multiple disputes and after providing Experian with the deletion letter. 

The Compliance Supervisor from XXXX XXXX sent the me the following email stating the following : " I wanted to reach out and let you know that we are still working towards resolution on this matter. Experian has advised that our deletion request had been rejected. We were informed that they would be looking into this matter. We will be following up with them today to see if they were able to resolve the issue on their end and delete our information. '' It is important to note that this collection item was removed from XXXX and XXXX earlier this year.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (IL)

In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

I hope this letter brings attention to a pressing matter concerning your recent actions regarding a debt allegedly owed by me. I am writing to address critical issues that require immediate resolution. I have discovered that the collection item associated with an alleged debt : Caine Weiner has been placed on my consumer report without the required written notification. I am emphatically disputing the validity of this debt. This action not only violates the FDCPA but also infringes upon my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). Your agency, by engaging in false, misleading misrepresentation, and deceptive means, is not only jeopardizing my financial standing but is also operating in violation of the law. I emphasize that your agency has failed to provide the validation information as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ), yet it has proceeded to report the collection item to a consumer reporting agency. This is a blatant violation of the aforementioned regulation and raises serious concerns about the accuracy and legitimacy of the reported debt. Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. As of this moment, I am revoking all rights of communication with me via email, text, or calls. All future correspondence must be in writing and sent to my mailing address provided below In accordance with my rights under the FDCPA, I am requesting the following information : 1.Comprehensive debt validation : Please provide detailed documentation outlining the nature of the alleged debt, including the amount owed, the name of the original creditor, and any other pertinent information. 2.Purchase agreement : I request a copy of the purchase agreement between your agency and the original creditor, establishing your legal right to collect on the alleged debt. 3.Proof of licensure and bonding : Kindly provide documentation demonstrating that your agency is licensed and bonded, ensuring compliance with all relevant regulations. I insist that your agency rectify these issues promptly by : 1. Providing the necessary written notice outlining the details of the alleged debt, as required by the FDCPA. 2. Ceasing the inaccurate reporting of the collection item to consumer reporting agencies IMMEDIATELY until proper notification and validation information have been provided, in accordance with 12 CFR 1006.34. Failure to address these matters immediately may lead to further legal actions, as your agency 's actions not only infringe upon my rights but also tarnish my financial reputation. I trust that you will take swift and corrective action to rectify these violations and prevent any additional harm. Thank you for your prompt attention to this matter
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VEROS CREDIT, LLC. (LA)

XXXX XXXX purchased a car from XXXX XXXX. XXXX  XXXX was the contract servicer. XXXX XXXX sold car loan to Veros Credit in the XXXX of XX/XX/year>. XXXX XXXX is still showing an open loan on my consumer report. If the loan was sold, It should show paid as agreed & or updated to be removed from consumer report. 
Veros Credit is reporting old payment history from XXXX XXXX that is incorrect. I did not sigh a contract with Veros Credit so how is it possible for them to report payment history from another company. 
How can Veros Credit report payment history from another car company.? 
I have also sent a Notice of Rescission : rescinding my security interest. I was not given the Notice to Rescind at the time of signing the contract with XXXX XXXX. 
XXXX XXXX was a credit transaction which means I can fill certain tax document to fulfil debt obligations. a 1099 C for cancellation of Debt because it is over {$600.00} ; and it is a bad debt. I have sent both companies a 1099 A- and 1099 C with no response. these forms have been filled with the IRS. 
Veros credit also just pulled my XXXX credit profile without my permission. 
Veros credit have been notified to stop reporting until this dispute is resolved. 
I also asked to Opt Out of reporting to my consumer report.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (FL)

Due to the pandemic, I was laid off from my job in XX/XX/2020. I called BMO Harris Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XX/XX/2020, I was reported 30 days late to the credit bureaus. I am still currently in the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by BMO Harris Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
Consumer complaint received 2024-03-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: QC HOLDINGS INC (KS)

Ive gotten a payday loan back in XXXX  and it was paid from a card I dont have anymore more, they was so rude and disrespectful and so unprofessional, they would call me everyday asking for it, Ive asked them to stop harassing me about it but they got real rude say I dont have job, that I dont care about my credit its probably XXXX like you, and say I dont know how to count and did I even go to school because its literally been 5 years Ive threatened me with me XXXX  XXXX  is unprofessional and theyre rude and disrespectful
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXXXXXX XXXX  account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.
Consumer complaint received 2015-05-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Optio Solutions, LLC (CA)

XXXX/XXXX/2015 QCS ITEMFEE CK RETURN FEE ID XXXX CO QCS ITEMFEE CK ACH ECC PPD ACH Trace XXXX {$25.00} {$550.00}
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information [ CREDIT ACCEPTANCE CORP ACC # XXXX ] to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WA)

I did a balance transfer of {$9500.00} and paid {$280.00}, 3 % of the transaction fee for a 0.99 % interest on {$9500.00} until XX/XX/XXXX, and attached a statement document ( XXXX XXXX ) to support this statement. 

I had an auto-pay set up for an outstanding balance of two payments per billing cycle and forgot to change auto-pay to a minimum balance. The very next month, the credit card company collected half of the balance {$4800.00}, and the second payment for the other half of the statement balance did not go through due to insufficient funds in my bank account due to that the credit card company started charging 22.24 % on the remaining balance. The attached statement document ( XXXX XXXX ) supports this statement. 

For the balance transfer, I am only required to pay a minimum balance and am eligible for 0.99 % interest until XX/XX/XXXX. 

I called the credit card company to return the payment {$4800.00} as I paid a transaction fee of 3 % they said once it is paid it can not be refunded. The credit card company started charging 22.24 % interest on the remaining balance as shown on XX/XX/XXXX statement ( XXXX XXXX ) and until the very recent statement. The credit card company closed my credit card account and other Costco credit card accounts as the payment was denied as stated above.
Consumer complaint received 2016-07-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (FL)

The following is in reference to a new complaint against " Shellpoint Mortgage '', as for the previous one was completed. I contacted their Loss Mitigation Department on XXXX XXXX, XXXX, and spoke with representative " XXXX XXXX '', in reference to the following matter : I requested a Release of Mortgage. This loan was discharged in Bankruptcy. The lien was extinguished when the property was foreclosed on XX/XX/XXXX. The account is closed. It needs to be updated as " Cease & Desist ''. I was advised by " XXXX XXXX '' that she would escalate this to the proper department, and to allow approximately 30 days for further review. Since I had not heard back from them, I decided to reach out to the Loss Mitigation Department again on XXXX XXXX, XXXX. I was then told they could not discuss anything with me, that I needed to have my attorney contact them. I explained I did n't have an attorney, nor should I have to retain one for this matter. They then proceeded to transfer my call to a " bankruptcy department '' with a voicemail, where I was unable to speak to a live representative. I have left numerous messages with no reply. As a result, I am left with no alternative other than to reach out to you again for assistance. I want to resolve this matter, so as to be able to purchase a home in the near future. I would appreciate your assistance. Thank you in advance.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (TX)

I wrote XXXX XXXX via email about a violent encounter I had with another member at their XXXX location. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the police on the day all of this occurred and they made the other member leave the club for that day. Since then I have been trying to get a member of management to contact me about this situation. I did not wish to work out around someone who put my safety in jeopardy. This behavior was a violation to the terms and conditions. Still to this day I have never received any communication about this incident from anyone at the gym. The very last time myself and my spouse came to the gym this member was there. Myself and my spouse left and we refuse to ever step foot in this gym again. 

Yet again we wrote XXXX XXXX to cancel our membership because of all of this and they still never responded. We only received an email from a 3rd party billing service stating that we would need to pay the next month dues as well as another fee that I believe is an annual charge. 

This situation dates back months at this point, I refuse to pay any further money to this business. My very first email to this business that went unanswered should be considered my intent to cancel my membership since XXXX did not live up to their terms of the agreement by providing a safe place.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

XX/XX/22 {$400.00} ( almost my whole savings ) was sent from my XXXX XXXX savings accounts via Zelle. I dont know how this money was sent, as I barely even use this account its only a saving account for me. I called my institution ( XXXX ) who said they can not help me even tho it was fraud and I did not authorize this payment. I need a resolution, this cant be right and that easy of a way for scammers or thieves to take your money!
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

In XX/XX/2019, I applied in store, for a Best Buy credit card. At the store I was not given instant approval. I later received a letter dated XXXX-XXXX-19 from Best Buy credit services, denying credit approval. At the time of application my FICO credit score, as listed with XXXX  and XXXX, was XXXX ( XXXX currently ). Granted this is not an excellent score, it is generally regarded as fair to good. I believe that this snapshot of my credit worthiness, as reflected with a XXXX, should be sufficient for one of the Best Buy credit cards. My full credit report reveals that there are not ANY derogatory marks. My payment history is at 100 % on-time. My debt to income ratio is very good. I have consistent work and address history. When considering the broader credit picture, as represented in a FICO score, I believe I qualify for Best Buy credit. I believed that I was discriminated against based on my older age and that I was treated differently than other, younger credit applicants, with lower FICO credit scores. On XXXX-XXXX-19 I wrote to Best Buy credit services and shared my concerns. I asked them to review and reconsider my application. I received a second letter, dated XXXX-XXXX-19, from Best Buy credit services, again denying my credit card application.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

About six months ago, I submitted a complaint regarding my Bank of America credit card ( submission number XXXX ). With your help, I was able to resolve the issue within a few weeks ( thank you ). Now, I am in the process of buying a house and my rate is being negatively impacted because Bank of America is saying I had an overdue payment with them. I resolved this issue - I think it it wrong that I am now being penalized for standing up to Bank of America when they had improperly charged me.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

On XXXXXXXX XXXX caine and weiner reached out to me by email stating they were a debt collector for XXXXXXXX  They stated they were collecting the amount of {$220.00}. I have never did business nor provided a signature to the debt collector mentioned above. Based upon XXXX XXXX Caine and wiener is not licensed or bonded in the state of Georgia to collect debt. They are reporting on my credit for XXXX, XXXX, and XXXX. I am demanding they have this removed on all three major credit bureaus.