davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Dear XXXX & XXXX, I am writing in response to a notice reporting on my credit from your agency regarding an alleged debt. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of the debt. Please provide the following information : 1. The name and contact information of the original creditor.

2. The total amount of the alleged debt, including an itemized breakdown of interest, fees, and any other charges.

3. Proof that I am legally obligated to pay this debt, including documentation that establishes your authority to collect on behalf of the original creditor.

4. Copies of any documents that bear my **wet signature**, showing that I agreed to the terms of the debt and am responsible for it.

5. The purchase agreement or assignment** that legally transfers ownership of this debt to XXXX XXXX XXXX XXXX proving your legal right to collect on this account. 

Please note that I am disputing this debt until proper validation is provided. If you can not provide this information, I request that you immediately cease all collection efforts and remove any negative information reported to credit reporting agencies in relation to this debt, as it would be considered unverified and inaccurate. 

Thank you for your prompt cooperation. I look forward to receiving the requested documentation within XXXX days of your receipt of this letter, as required by law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXXand AMEX XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLOBAL SOLUTION BIZ LLC. (IL)

I had a company contact me stated I owe them debt, however I never got any written or noticed from there stated this is 100 % accuracy. 

Also I was paying my debt to a company by the name of XXXX XXXX which did state they had my information from the company they was collecting from which is XXXX XXXX. 

However I was about 35 + days late on my payment agreement I had with XXXX XXXX. So what happened supposedly is they sold my information to another company which is called Global Solution Biz LLC Now I sent them a Debt Validation Letter confirming this information is accurate, Now during this process I made sure it was certified mail, so I can have a tracking stamp as to when they received it. The date they received my letter was on XX/XX/XXXX Friday at XXXX tracking number is here : XXXX with USPS Well I know during this process the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

However they are still contacting me today harassing tell me they are going to send out a quick track enforcement team to my home address and business and freeze my attached bank accounts and call my car loan bank which has my car loan. They failed to provide information as requested, They are threating me about freezing other accounts, they are validated laws with commutation tactics. They even fail say on the phone " they are a debt collector & attempt to collect my debt '' Please help me as I filed a XXXX and send this information to my general Attorney office The companies information is here : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/18 I purchased a car from XXXX XXXX dealership that was pre-approved and financed through Capital One. Since making the purchase I have made my payments to Capital One on time each month. On XX/XX/18 I learned that my car loan was paid in full. I then reached out to Capital One customer service to inquire who paid off my car loan. It was during this telephone call that I learned that the car dealership paid of my loan and the reason the car dealership provided Capital One was that they were " buying back '' my car. The Capital One rep then asked if I still had possession of the car, I advised that I do and that I had no intentions on selling it back to the dealership. Nor had the dealership ever approached me with an offer to " buy back '' my car. The Capital One rep also advised that if had any questions to contact XXXX XXXX at XXXX. I then asked the Capitol One customer service representative how anyone could call in and pay off someone's loan with Capital One contacting them to confirm? The rep replied that the dealership wrote the deal so they can do whatever they like going forward. Baffled by Capitol One rep 's response, I them asked where is my car title. The rep ( XXXX ) replied that the title was mailed to the person who paid off the loan. I immediately advised the Capital One rep that I did not purchase my car from XXXX XXXX. Nonetheless, I contacted the number provided on XX/XX/XXXX thru XX/XX/XXXX and left several messages for a XXXX XXXX but, I have not received a return call. On XX/XX/XXXX and XX/XX/XXXX I received voice messages from a woman named XXXX who claims to be from XXXX XXXX advising that they bought back my car loan and that I am to make payments using a self-addressed envelope they sent me in the mail to remit payment. The woman also left two telephone numbers one for the XXXX XXXX XXXX ( which is not valid ) and her cell number. I called the number I have on the XXXX XXXX GM business card that I have used to contact the sales rep post-purchase, however, the line just rings. No voice mail or any indication that I have reached the car dealership.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (MI)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4000.00}
Consumer complaint received 2022-07-28
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. (FL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX ACCNT # XXXX 30 days late in XX/XX/XXXX, XXXX XXXX 60 dyas in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

XXXXXXXX  I contacted the company and requested a refund for the late fee of {$30.00} and they had told me that they can only give me a {$15.00} credit. I had asked them about the law that went into effect on XX/XX/, of the late fee supposed to be only {$8.00}, I was told that they have some sort of agreement with CFPB that allows them to charge {$30.00}. 
They then told me that they will give me the {$15.00} credit and that is all they are allowed to do, so I accepted the refund of {$15.00}, but by law I think I should only be charged the {$8.00} and I should be credited the remaining balance of {$7.00}.
Consumer complaint received 2020-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. BANCORP (OK)

Us bank had existence me for 4 moths awesome right? 

Well due to Coronavirus I could not make payments following the pandemic length I was giving a year on my home and now that I am back to work and was trying to pay 2 payments up and split the next for a few months they agree to take the payment but I will be still sitting on a Repo list how can I get my truck repoed then go back to work loose truck then looose home it doesnt make sense to me this is going to be a complete struggle for America as all my savings was spent to live Im self employed I dont know how to do the grants and gov loans not even sure with my credit like it is today I would even be approved Im back to work I cant loose my source of income thats my truck
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CLARITY SERVICES INC '' I do not recall authorizing or " someone is using my identity ''. I understand that " CLARITY SERVICES INC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CLARITY SERVICES INC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CLARITY SERVICES INC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CLARITY SERVICES INC - failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CLARITY SERVICES INC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

My husband was ill and passed away, we lost the main income overnight. I also lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf, although I have granted them permission. The mortgage has many violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgagor did not acknowledge or offered me any COVID relief during the period that I had XXXX 
4th the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws. 
5th I reached out to the bank 's attorney on several occasions to tell them my deceased husband who was on deed passed away before the judgement of foreclosure was filed. They never served his estate in the foreclosure proceedings. They are not supposed to auction the home without letting his estate know. My husband passed in XX/XX/2015 and the judgement of foreclosure was filed after his death. 

I've attached one of the most recent emails sent to the bank 's attorney regarding the estate issue. To which they said they are still waiting on the bank to respond to. It's been a week since the last email and they were called today.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding is attempting to serve me with papers regarding a lawsuit they intend to bring on me for a debt I owed, and they purchased from, XXXX XXXX. The credit card was charged off by XXXX in the amount of {$3400.00}, in XX/XX/XXXX. I had no idea they sold the debt to a collection agency as I received no notices from Midland. I received a phone call from a process server on XX/XX/XXXX telling me they were looking for me to serve me papers, and the man told me he would be by my house later in the evening to serve me. He never showed up. 

The next day on XX/XX/XXXX, I took a look at my credit report and tried to figure out who would be trying to serve me and for what reason. From looking at my credit report, I can see that Midland must have purchased this debt from XXXX in XX/XX/XXXX. However, I only just now became aware that Midland inserted themselves in this matter because of what I saw on my credit report, so I called Midland to ask if they were the ones trying to serve me. Midland confirmed they are trying to bring suit against me, and I asked them why I hadn't received any notices in the mail before it had gotten to this point. The man on the recorded line admitted that they had a " bad address '' for me, as well as a " bad phone number '' for me, then read me the address he had, and it was off by 1 number. I told him I was not the one that furnished this " bad address '' to them, as my business was with XXXX, not Midland, and I assured him that XXXX   DID have my correct address, as I did receive communications from them previously. The representative at Midland told me now that this had been taken to the extent of a lawsuit, there was mot much he could do in negotiating a settlement. 

I believe this to be unfair, as I never received notices from Midland and I know that had I received them, I would have had an opportunity to settle this amount for a lot less and not deal with a lawsuit. I'm not disputing the debt itself, I'm disputing the way they are going about this. They admitted they didn't have the correct address or phone number for me. And how would they not have my correct address or phone number to contact me regarding the debt, but they had it to give to the process server to attempt to serve me papers? Something isn't adding up here and I want my fair opportunity to settle this debt as anyone else would have had the opportunity if they were at a correct address or phone number.
Consumer complaint received 2022-09-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OH)

The following statements are in response to an annual escrow review statement sent XX/XX/XXXX. I have made Fay Servicing aware of the issues with their escrow distributions through XXXX XXXX and Vice President XXXX XXXX. They have not addressed the issues and refuse to remove my escrow account. They are in breach of contract because they missed a real estate tax payment resulting in penalties to me. I have managed my properties for over 12 years and never missed a payment. I am kindly requesting they remove escrow from my account due to the breach of contract and poor management. 

NOTES IN RESPONSE TO LETTER BEGIN HERE : I noticed single asterisks and they do not pertain to an explanation on the bottom of page XXXX or XXXX. What does a single asterisk mean in this case? 

Theres an E at the bottom of table 2 and there is no footnote explanation or the like. 

In table 1 ( projections ) what does CO 1st 2nd P pertain to?

In table 1 ( projections ) what does County 1st pertain to?

In table 1 ( projections ) the insurance estimates are higher than last years premiums paid by owner. 

There is a {$590.00} over estimate on insurance premiums paid by buyer. 
Show where youre getting insurance estimates from.

Table 1 ( projections ) first half - County taxes are paid more than 60 days in advance resulting in a negative escrow balance months before taxes are due.

Owner pays insurance through his own methods and has not used escrow to perform these duties. When will his escrow overage be applied in XXXX once insurance is paid and proof uploaded to Fay Servicing?

Owners calculations for escrow are the following : Property taxes for XXXX3 = {$10000.00} Insurance premiums XXXX = {$4200.00} TOTAL : {$14000.00} Spread out over 12 months is {$1200.00} per month Fay Servicing requires {$2500.00} as a minimum escrow balance - where does this amount come from? Please explain. 

The negative escrow is reached by paying property taxes more than 60 days before they are due. This process forces a negative escrow balance where if they were paid within 2 weeks which is common the negative balance would not show.

The timing of escrow distribution is intentional to create a negative escrow balance resulting in the false perceived need to increase monthly payments thus putting undue hardship on owners.

The owner kindly request county tax payments be made no more than 2 weeks before due date. 

History shows double payments of county tax payments, resulting in a negative escrow balance in XXXX. 

Fay Servicing failed to pay from escrow a tax bill for XXXX XXXX XXXX resulting in delinquent status endured by the owner. 

Fay servicing is in breach of contract for not making timely payments for property taxes held in escrow thus causing undue management efforts by the owner to fix Fay Servicings oversight.

Owner is putting on record the request to remove escrow from his account as soon as possible.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

COMENITYBANK/VICTORIA ac XXXX XXXX Balance Account Not Mine, Identity Fraud, Unauthorized Opened : XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-05
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested AmSher Collection Services to provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable. I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.