davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX ....
Consumer complaint received 2021-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (GA)

This is my second CFPB complaint against this company. See CFPB complaint # XXXXfiled in XXXX XXXX. Despite letters from credit bureau team and XXXX XXXX in Barclays ' Office of President, this item remains on my credit report. I have submitted the copy of the letter from Barclays instructing this should be deleted to the credit bureaus, but since the correspondence were not sent directly to the credit bureaus, they will not delete. So I submit disputes and call Barclays credit dispute to move and they claim they do not have a copy of the delete letter sent nor the XX/XX/XXXX letter from the office of president. Further I received a letter dated XX/XX/XXXX from Barclays stating that the information being reported is accurate and will not be deleted, completely contradicting the resolution sent to me and CFPB. I have been disputing this matter for two years. It is a clear violation of the fair credit act.
Consumer complaint received 2015-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OH)

Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. 
Alleged creditor is XXXX. Purchased phones from XXXX XXXX 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. XXXX attempted to collect {$320.00} for termination. At first attempted to not allow portage of phone numbers to XXXX. After 3 1/2 hours at XXXX, vendor in store was finally successful in accomplishing this. 
When I requested for XXXX to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, XXXX turned the {$320.00} amount to an initial debt collector. 
This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like XXXX, they did not. 
This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and to not contact me anymore until they have provided that. They never have. They also have not provided written documentation that the debt is valid. Since they never gave written notification as to what the debt was ( XXXX ), it has not even gotten to the step of my requesting that they provide written proof of the debt. 
Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. 
Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. 
My credit score was XXXX prior to this item. I have had only XXXX missed credit card payment due to a delay in the mail on my report prior to this. It is now down to XXXX because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. 
Please advise. 
Thank you.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (AL)

I have disputed this debt from Diversified XXXX because I have no knowledge of this account. I have disputed this debt with the major credit bureaus and as a result, this collection was deleted from my account. I am still receiving threatening and harassing phone calls from this company on my cellular number, and they are also contacting my wife 's cell number and being very rude and menacing.
Consumer complaint received 2016-10-28
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I want to inform CFPB, that I have sent Debt validation and proof of claim letters pursuant to my private rights of action under FDCPA and FTC to CIT Bank and Onewest Bank Mortgage Servicing on several accessions. As of today, CITB has not validated, verified much less provide proof of claim according to law, FDCPA and FTC. 

In ADDITION I want to report that there was three Assignments recorded on my property XXXX XXXX XXXX, XXXX, CA XXXX that I just recently found out. 

The First Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX at XXXX XXXX XXXX Recorders Office, executed by XXXX XXXX XXXX, as Vice President for Indymac Bank, XXXX The Second Corporate Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX executed by XXXX XXXX, as Attorney-in-Fact for FDIC as receiver for Indymac XXXX, XXXX The Third assignment of Deed of Trust, recorded on XXXX/XXXX/XXXX and executed by XXXX XXXX XXXX, as Attorney-in-Fact for Indymac XXXX XXXX, XXXX. 

As it is well known, XXXX XXXX XXXX is an infamous robosinger. All you need to do is XXXX and enter her name to find out that she signed thousand of instruments and documents that facilitated the initiation of illegally foreclosing on properties without legal and lawful authority to do so for over a dozen different entities and with titles as Vice-President to Attorney-in-Fact etc. 

As you can see, I 'm very concerned as these assignments ' were recorded several years after the alleged loan was originated and is proof that there is broken chain of title. 

In CIT response letter, CIT claims that CITB is the INVESTOR of the loan. I never contracted or singed any agreements with CITB. 

In conclusion, I want for CITB bank as a DEBT COLLECTOR to respond to my debt validation and proof of claim demand according to the law, FDCPA, FTC and once and for all validate, verify, and provide proof of claim with someone with personal knowledge and authorize to do so under penalty of perjury. These are my private rights of actions and demand that these entities identify themselves under the law. 

sincerely, XXXX XXXX XXXX Please see the Exhibits attached to all these allegations
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express ( AMEX ) violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the AMEX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

AMEX assigned the disputed {$35000.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to XXXX XXXX XXXX demanding a VALIDATION OF DEBT. I never received any validation of debt from AMEX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX sued me using the debt collector firm. XXXX XXXX XXXX XXXX, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX AMEX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is XXXX which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

AMEX and XXXX violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. All our letters were mailed Certified Mail. I do not owe AMEX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.
Consumer complaint received 2019-12-23
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. (CO)

Equifax and XXXXXXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove accounts : cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from my credit report. Thank you
Consumer complaint received 2019-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was given a check drawn on Bank of America by my son who has banked with them for several years. It was the repayment of a loan that I had given him a few weeks prior. I took the check for {$1500.00} in to a local Bank of America with my drivers license and they refused to cash it unless I opened an account with them and waited 7 days until the funds would be available for withdrawal. I pressed them that they should call my son to verify that he wrote it to pay his mother which she did. HE TOLD THEM TO CASH IT AND CHARGE HIS ACCOUNT THE {$8.00} FEE that they would have to charge me because I don't bank with them. The manager told me that the only way she would cash my check is if I paid the {$8.00} and give her 2 other forms of identification not including my drivers license. efused because I could not understand why they would need a copy of my house payment ( bill ) or electric bill or even a XXXX   charge card. 

I would like to know why these banks are allowed to exploit people WHO DON'T BANK WITH THEM by charging fees for absurd reasons just so they can boost their profits and to XXXX with the poor old XXXX individuals who don't see another way to cash checks given to them as payment for a service. I retired from one of the bigger banks in XX/XX/XXXXafter 30 years of witnessing all kinds of fraudulent activity. These methods where banks are coercing people to bank with them by using these schemes should be condemned and ruled illegal at the least.
Consumer complaint received 2019-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

This complaint concerns two or more health systems under the same insurance plan ( XXXX XXXX XXXX XXXX ) with a {$2500.00} deductible. I was never seen at XXXX XXXX  Hospital-XXXX. However, I was seen and had an XXXX XXXX and  XXXX XXXX at XXXX XXXX 's Hospital-XXXX Campus and made a payment of {$50.00}. The bill should not have been the amount that it was, given the fact that I already met my deductible. It does not appear that the bill was sent to the insurance company but did list the insurance company name. If the facility believes they are due more, they should resubmit the itemized bill to XXXX XXXX XXXX XXXX. 

The second biller was XXXX XXXX Hospital. I was seen at the hospital three times and this is just one bill of likely three that should also be submitted to XXXX XXXX XXXX insurance. To begin I was sent home three times from this hospital and it was even documented by one nurse in the ER that she was not going to treat me on XX/XX/2019. I was told that my XXXX XXXX   because it smelled like XXXX  which I was on from a XXXX XXXX from possibly contaminated equipment ( XXXX at the XXXX. XXXX  XXXX XXXX XXXX ) for a XXXX  and/or XXXX XXXX. If the facility was going to bill me after these visits, they certainly could have billed after my XXXX  instead of turning me away ; creating a series of ER visits ; not only to XXXX XXXX Hospital but as you can see it was to two other hospitals and my primary care physician.
Consumer complaint received 2019-10-04
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. (AZ)

I sent Experian a written dispute of the collection record reported since XX/XX/2019 by XXXX XXXX XXXX and informed Experian, XXXX XXXX XXXX did not adhere to their responsibilties under the FDCPA to send me an initial letter informing me of my right to dispute the debt and have it validated by the original creditor XXXX XXXX Just after XX/XX/2019 I got the results of Experians investigation. Despite my notifying them of XXXX  XXXX  XXXX failure to meet their FDCPA statutory requirements, Experian did not remove the XXXX XXXX  XXXX Collection record but in so many words said it was a valid debt and " consumer disagrees '' and updated the item no less. 
About the same time the response from XXXX  XXXX XXXX to my previous complaint against them came back and XXXX   XXXX  XXXX said they did send an initial letter to the address from which I was evicted on XXXX XXXX, XXXX, AZ and that I should contact the post office. 
I contacted Experian to inform them of this information, and that the collection record is unlawful and inaccurate and must be removed. They refused continuing to assert the information was accurate and correct. 
Experian is allowing XXXX XXXX XXXX to not even indicate the debt is disputed, nor did they require it be removed until the validity of the debt be determined and all the specifics ( i.e. balance etc ) verified. 
as stated. 

" According to National Consumer Law Center ( NCLC ) staff  attorney XXXX XXXX, if a consumer says they didnt get the initial notice, and the debt collector can show they likely mailed it in the course of their normal business, the burden of proof may be on the consumer to establish that the initial notice was not sent to the right address. But if the debt collector sent it to the wrong address and was returned to the collector as undeliverable to the consumer, then theres a good chance the collector did not fulfill the requirements of the law if it didnt update the address and deliver the notice as required. Even if the letter is not returned, the debt collector may not have complied with the FDCPA if the letter is mailed to the wrong address, especially if the individual never lived at that address or hasnt lived there for years, she said by email. '' As of the date of this compliant, I have STILL yet to have had any contact from XXXX XXXX XXXX.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently received three {$35.00} overdraft fees from Bank of America on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were also several others in the past of which BOA had waived due to some extenuating circumstances of mine. However, when I last contacted Bank of America on XXXX about the aforementioned fees I was suddenly told I had a reached my so called " limit '' of which I was never informed of even having. 

When I tried to explain this to the rep she said that she " had never seen so many fees waived '', and that she wasn't going to help me anymore. That comment was extremely unprofessional and unnecessary, a simple, " sorry I am unable to assist you '', would have sufficed. I then asked if they could just credit my requested fees and then implement the limit, so that I was aware of the policy going forward, but she still refused. When I asked about this so called policy I was told their actually was none but it was rather based on a " situational '' basis and that my situation just didn't qualify. She then proceeded to tell me that it must have been an " error '' and that they never should have credited my account so much. 

Bank of America did not disclose this so called overdraft fee " limit '' policy and is now forcing me to pay for these fees. This is predatory practice at its best and in contrast to other responsible institutions such as XXXX who ethically inform you of an annual limit so that you understand their policy. Anybody would understandably be conditioned to this seemingly unlimited credit policy and would understandably be frustrated when they were suddenly cut off and forced to pay for them. 

However, Bank of America will bait you until thinking that you can have their fees waived at any time to due any extenuating circumstance, but will then suddenly decide to not to based on some unknown policy they refuse to disclose.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

hapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date XXXX XXXX XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

Oportun has failed to provide how they verified inaccurate information on my credit profile. They have ignored my request to delete the negative reporting for they failure of reporting this information. FCRA, requires them to report only 100 % accurate and complete information. I am filing this again with the CFPB for the continuation of breaking the law.
Consumer complaint received 2019-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (GA)

We began a lease with Kia Motor Finance with a first payment date of XX/XX/2019.  Several days earlier we made our first payment and set the account up on auto withdrawal from our checking account thinking the first auto withdrawal would be XX/XX/19 because we had already made the XX/XX/XXXX payment. On XX/XX/XXXX, an additional {$470.00} was taken out of the account. 
I called customer service on XX/XX/XXXX and asked that the {$470.00} be refunded to me. I was advised that it would take approximately two weeks. When I did not receive the refund I called back on XX/XX/XXXX and was told that the check had just been cut and should arrive at my house at the end of the week. 
On Friday, XX/XX/XXXX I again called and spoke with a supervisor who advised me that the check had not been sent yet and that the right course of action was to stop payment and have it applied to my XX/XX/XXXX payment. I was told this would take 2-3 days to complete. 
On Monday XX/XX/XXXX, I called again and spoke to a supervisor that advised me that the notes showed the request had been sent and that by the time my payment was due on XX/XX/XXXX, I should see a credit on the account. 
On FridayXX/XX/XXXX I called back and was told that I had been lied to previously and that it takes 16 business days to have the payment stopped and applied to the account. My payment will be counted as late on XX/XX/XXXX and I will be assessed a fee. 
I have lost all confidence that anyone there can handle this request and feel as though I have been lied to in multiple occasions. Their internal systems prohibit any person to person contact between the customer service department and the payment processing department, so no individual human being can physically call someone to expedite the request. They simply submit and email to the payment department and hope and wait that someone handles it. Clearly they are not handling it.