davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

BELOW is a recently ( 3 days ago ) added Negative collection on my report ( Experian and XXXX bureaus as of today ). A few weeks prior, I had filed disputes with all 3 major bureaus on different collections, including the one BELOW which is originally from a reported XXXX XXXX debt, under a DIFFERENT NAMED Collection Agency. IT WAS REMOVED UNDER THE DISPUTE PROCESS. However, within days of it being removed, ANOTHER COLLECTION AGENCY is apparently able to get it put back on my credit report with a few variations in amount, etc. The 3 major credit reporting agencies are not checking into these collection companies, it is all my ( and others ) burden. BELOW has already been removed through the dispute process, yet reported again under a different collection company. HAVE IT REMOVED PLEASE AND DO NOT ALLOW OTHER COLLECTION AGENCIES TO PUT SAME COLLECTIONS WHICH HAVE ALREADY BEEN DISPUTED AND REMOVED, ON REPORT UNDER DIFFERENT COLLECTIONS AGENCIES BECAUSE OF SOME VARIATIONS. THE BELOW COLLECTION AGENCY SHOULD BE FINED FOR BUYING AN ALREADY REMOVED AND UNVERIFIABLE ACCOUNT. APPARENTLY, IS EASY FOR THEM TO GET AN ACCOUNT BACK ON MY CREDIT REPORT. CREDIT REPORTING AGENCIES NEED TO BE MORE DILIGENT IN CHECKING THESE OUT. 
XXXX XXXX HAS ACHIEVED THAT : XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also you can not get incontact with XXXX through website or telephone. I have tried for weeks now. Website not functioning, waiting on phone for hours to no avail. I understand the " coronavirus issues '', but if collection companies can get unverified collections on my report, then the customer needs to be able to dispute and/or get in touch with the reporting bureaus who need to be able to sort through and give customer service. The are not held to any standard in my 60 years of experience with credit and bureaus. The bureaus want to charge you for monitoring services, therefore, they don't seem to care much about having the report accurate. Please make these bureaus do their due diligence in protecting the consumer. IT is impossible otherwise to clean up wrongly reported credit collections because it is forever ongoing, intentionally. Thankyou.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and before taking any further action, I request that you provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. An itemized statement of the debt, including any interest, fees, or other charges.

4. Verification that you are authorized to collect this debt.

5. Proof that I am legally obligated to pay the alleged debt.

Please treat this letter as a dispute of the validity of the debt. I request that any further collection activities be suspended until the debt is properly validated.

Additionally, I request that you cease all communication with me, except to provide the requested validation. If this debt is not validated within 30 days, I expect you to cease any further collection efforts and remove any reference to this debt from my credit report. Furthermore, this collection company is attempting to collect a debt for the incorrect amount. On the XXXX and XXXX reports it shows that the correct amount is {$230.00} but the letter directly from the collection agency shows {$240.00}.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Capital One. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd. (FL)

I recently received a notice from Phillips & Cohen Associates , Ltd., a debt collection agency, stating that they are trying to collect a debt from me that I owe to XXXXXXXX XXXX  XXXX. This is wrong, as I have never opened an account or had any dealings with XXXXXXXX XXXX XXXXXXXX. Also, the address and name associated with this account is not mine, which clearly indicates identity theft. This situation violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect against false reporting and collection of debts that do not belong to me. I request that XXXX XXXX XXXX XXXX, XXXX stop this issue, stop all collection activities, and remove this fraudulent debt from my records immediately.
Consumer complaint received 2024-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (PA)

on XX/XX/year> I went to check my credit report, and it showed that I had a credit score that dropped. When I went to check it out, I realized that I had a new report on it of {$1000.00} for snapshot. Now, I never owned a vehicle in my name or had insurance that I was primarily the owner of anything not even a co-signer. Snapshot is to lower your insurance. I called the company to see as to why I would be having a debt of such. Before I can say anything knew my name ( first and last ) my social and the month and year I was born but wanted me to verify the day. I never heard of a company doing such a thing. Once I gave my information, he insisted it was for a medical bill. When I explained it was listed as an auto insurance, he had nothing to say. I told him wouldn't that be fraud, and he wanted to just collect the payment. I didn't feel comfortable paying something that was false on my credit report just to obtain money. I completely want this disputed. I never received a phone call or a letter through via mail or email.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. These items need to be removed immediately. These inaccuracies are highly injurious to my credit report. It is causing me much distress.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: Medical Data Systems, Inc. (FL)

To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to XXXX. XXXX received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the XXXX address is correct and mailing was complete. Thus, it is presumed XXXX received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to XXXX the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, XXXX is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, XXXX is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; Medical Data Systems, Inc ; XXXX XXXX ) and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-08-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I bought a XXXX XXXX XXXX in XXXX of 2021. I gave my information to XXXX to run my credit, my information was sent to XXXX XXXX where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for 72 months and the XXXX XXXX was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, XXXX XXXX committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, XXXX XXXX changed the term from 72 months to 74 months, and changed my payment from XXXX to XXXX a month, XXXX the total price over 74 months to XXXX dollars I have filed fraud against XXXX XXXX to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, XXXX XXXX has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still XXXX XXXX changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that XXXX XXXX takes advantage of there customers, I was dealing with my mother XXXX in XX/XX/XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that XXXX XXXX has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from XXXX XXXX on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced two losses in my family my mom and step dad , I feel XXXX and XXXX XXXX took advantage and deceived me, correct this issue, I will send this information and all information to Experian, I will not tolerate no company to commit deception as what XXXX XXXX has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you.
Consumer complaint received 2021-08-28
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. (MA)

Equifax has been contacted numerous times on this problem with online disputes in regards to below account. 

Personal Loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has indeed confirmed that there are no lates on this closed account with confirmation proof with dates of XX/XX/XXXX and XX/XX/XXXX with a manual submission of paperwork to Equifax on those dates. 

Equifax has refused to update their records to reflect this account with no late payments. Their records show a 30 day late payment on XX/XX/XXXX. There should be no 30 day lates on this account as shown by creditor above.
Consumer complaint received 2020-05-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a XXXX to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XX/XX/XXXXwith ACCT # XXXX opened onXX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$7800.00}, {$7500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$7800.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XX/XX/XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account.
Consumer complaint received 2020-10-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I now own property after foreclosing in XXXX and the payoff amount appears about {$140000.00} more than Remaining Loan balance calculations would indicate. 

The senior lender and current lienholder XXXX XXXX XXXX XXXX XXXX  XXXX, through its serving agent Select Portfolio Servicing, has provided a payoff figure of $ XXXX on the 2004 loan of {$330000.00}. After 16 years of payments, estimated Remaining balance calculations would arrive at {$220000.00} due. 

I have questioned why, after 16 years of payments from borrowers, the payoff is not approximately {$220000.00}. I have asked for supporting information of their {$360000.00} payoff demand, i.e. basis for calculations, terms of loan, etc. SPS refuses to provide any information since I am not the borrower, despite the fact it is a lien on my property and that the payoff provided appears patently erroneous. No principal paydown in 16 years?? and higher payoff than original loan after 16 years of payments??? 

SPS refuses to internally escalate the matter to have the payoff recalculated and reviewed. If privacy bars me looking at the source data, given the huge discreptancy, it should be accessed by another department or neutral source. SPS refuses to do so, and continues to deny me all information regarding the loan, except for payoff figure. 

Privacy should not bar an explanation for the substantial payoff discreptancy. 

I am being given a payoff amount that on its face is substantially invalid ( maybe fraudulent ), that SPS or XXXX  will not verify and " privacy '' is being used to bar me from getting the correct payoff figure.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NY)

My mother and I have an auto loan from Santander Consumer USA for my XXXX XXXX XXXX. The interest rate is already insane and now they are charging me more. We are both out of work due to covid and we asked for a reprieve for a few months on our bill and since im a 1099 i dont qualify for unemployment and my mom has not received help yet either. So they moved our next payment to XX/XX/XXXX, which was supposed to be XXXX for the 3 months extension XXXX office told me. Anyway they are charging us {$15.00} a day interest that the loan is deferred!! How can they do that? Please have someone call me back XXXX