davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Concord Servicing Corporation (NJ)

On XX/XX/XXXX I checked my credit report because and I saw that my score had dropped and noticed that I had a collection debt added to my report for an unpaid account form XXXX XXXX, XXXX. XXXX XXXX, XXXX, AZ in the amount of {$3200.00}. On XX/XX/XXXX, I received a letter from XXXX XXXX, see the original amount on letter {$2000.00}, at which time I informed them that I do not owe this debt and that this is the first time I that I learned of this debt from the XXXX XXXX XXXX XXXX! I learned that they have purchased the unpaid maintenance fees from the Timeshare - The XXXX XXXX  XXXX XXXXXXXX  XXXX XXXX, on XX/XX/XXXX and placed me in collections on the same date. The original contract with the XXXX XXXX  XXXX XXXX was paid in full on XX/XX/XXXX. I started the proceedings to file chapter XXXX on XX/XX/XXXX and was discharged in XX/XX/XXXX at which time I did not reaffirm the XXXX XXXX XXXX Timeshare which would have discharged me from all obligations to the XXXX XXXX  XXXX XXXXXXXX  XXXX, XXXX. I obtained the phone number and tried contacting XXXX XXXX again, and left messages and no one has called or contacted me. I contacted XXXX and XXXX to report this and filled a dispute against this creditor on XX/XX/XXXX. On XX/XX/XXXX, I received an answer from XXXX stating that they contacted the creditor and the collection will stay on my report, they will not remove it. I would like some help removing me from collections and have this creditor not do this to me again and also, removing this negative account reported on my credit report.
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT # XXXX
Consumer complaint received 2018-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

In XXXX Freedom Mortgage received my normal, regular mortgage payment that I have sent to them for years through my bank 's bill pay account. Their 'cash handling department ' misapplied that payment as an escrow payment. In early XXXX the error was caught. We spoke with Freedom Mortgage about it and they put in a ticket to get it resolved, which they have failed to do. Everyone has been nice that I've spoken with but after a dozen phone calls and 4 different solution dates that they have given me, the problem persists. In the meantime my other payments have been processed properly but they went ahead and reported me as late to the Credit Bureau agencies causing my credit score to drop 65 points. They keep telling me that the cash handling department has to fix this and yet there is no way for me to speak with that department. There should be some recourse ; some government body perhaps that has oversight over these kind of abuses.
Consumer complaint received 2018-07-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

The company is XXXX XXXX of XXXX, MS . When I explained that the car was one price on the internet, they explained that this tactic was to lure people into their business. They don't honor the internet price, so I decided to change vehicles. The second one I chose, there were credits that were part of the deal of the loan : {$1200.00} Rebate & {$2500.00} New customer cash. I saw these on the internet and also confirmed them with the office when I talked about financing. I only received one credit of {$1200.00} ( Rebate ) but then it was charged back to me in the transaction. I never received the {$2500.00}. The special ends on XX/XX/18, but I completed my transaction XX/XX/18. I tried to call today XX/XX/18 with no response from the office. I am driving over today as well. Whether I receive the second credit or not, this needs to be known. I have a feeling that my payment was increased because of these missing credits. The paperwork started my payment at XXXX down and 72 months at {$460.00}, but after adding the service plan, my payment increased to {$540.00}. After expressing I didn't want the payment to increase, the salesman explained that I would lose my credits, and my rate would change from 1.9 %, but I wasn't given the bulk of it. 

Interest rate : 1.9 % Finance Charge : {$2200.00} Amount Financed : {$37000.00} Total of Payments : {$39000.00} Total of Sale Price : {$40000.00} ( This included the Rebate of {$1200.00} ) Cash Price : {$32000.00} Rebate : XXXX Unpaid balance : {$30000.00} Charges pd to others : {$6200.00} Amount Financed : {$37000.00} Financed Charges : {$2200.00} Total Payments : {$39000.00}
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

The collection agency mentioned herein has listed an unknown account on my credit report with the Credit Reporting Agencies ( CRAs ). It is to be noted that I have no knowledge of this debt whatsoever. It is totally and utterly unverified, not validated and is being reported fraudulently. In light of the foregoing, I hereby engage the CFPB and request that it used its administrative powers to force this seemingly unscrupulous company to comply with applicable provisions of the FDCPA.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (FL)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (NY)

Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$1600.00} or my account was charged off ]. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : Better Business Bureau
Consumer complaint received 2018-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc (LA)

This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX as a result of not being my debt. The account balance of the debt is {$990.00}
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company (NY)

The collection agency ( which operates under two separate names ) XXXX XXXX XXXX, as well as XXXX, reported a collections account on my three major credit reports for a XXXX collections account for {$420.00}. I have proof this account was paid directly to the original creditor, XXXX, prior to this agency attempting to collect the debt from me. Furthermore, I never received any notification of this debt or had the ability to dispute within 30 days because the agency was not contacting me at an accurate address. I provided the proof to both of the debt collectors operating names that the account was paid in full prior to their attempt to collect the debt. 

The have refused to remove the account from any of my three major credit reports, and I have now retained counsel to file charges against them regarding this matter, including punitive damages.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NH)

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart-felt explanation of the facts surrounding my own financial hardship. I therefore request Home Depot to  submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is being sent in response to notices sent to me from " XXXX XXXX XXXX  " and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
Consumer complaint received 2018-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (PA)

Since XX/XX/XXXX, I had only received 2 letters in the mail at my address of XXXX XXXX XXXX. I had received a letter in the mail at my XXXX XXXX XXXX home a year ago in regards to applying for assistance in making the payment but did not send in the paperwork because I would not have been approved due to annual income. I feel that I was not given a reasonable amount of time or chances for someone to contact me in regards to payments and out of nowhere began receiving letters in XX/XX/XXXX that my account was now in collections. When contacting XXXX XXXX XXXX, they stated I did not return the paperwork for assistance and so they sent it to collections. I feel this is wrong and they should have contacted me even just asking how the paperwork was going or if I had any questions. Then could have told me to start setting up payments to avoid having the account go into collections. There was no heads up given nor any attempt from XXXX XXXX XXXX in getting my account paid for through them instead of dealing with a collection agency.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

File Number XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX : File Number XXXX The inquirys was not authorized to be put back on my credit report here 's the reason why, Not too long ago TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! Now, here 's the deal, TransUnion failed to follow the LEGAL procedure to actually do so PLEASE REMOVE FROM CREDIT REPORT THANKS!
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TN)

This is follow up on complaint XXXX about NATIONAL CREDIT ADJUSTERS , LLC. which is now closed but the issue still exists. 

My answer to the question " What would be a fair resolution to this issue? '' is below : I require Debt Validation which includes my signature which indicates I did indeed open the acct ( s ) in question. If this can not be produced the National Credit Adjusters LLC will cease and desist in all collection attempts and will remove any negative credit report entries regarding the acct ( s ) in question from all 3 credit bureaus ( XXXX, XXXX, and XXXX  ). 

The collector sent copies showing that 3 different accounts had been opened in my name ; however this does not mean that I was the one that opened them. I have already submitted in my original disputes of the account that I was the victim of identity theft and have filed a Identity Theft Affidavit reference # XXXX with the FTC on XX/XX/2017. I also made it clear to the collector that I required something with my signature that indicated that I was indeed the person that opened the accounts. The documentation provided by National Credit Adjusters LLC DOES NOT contain my written signature ; therefore it is my right under the Fair Debt Collection Practices act that all collection attempts cease and the accounts in question be immediately removed from my credit reports.
Consumer complaint received 2018-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Regional Management Corporation (TX)

I have requested XX/XX/18, and XX/XX/XXXX to get copies of documents to confirm to verify account. After speaking with XXXX on both days I was informed will get the file pulled. As of today XX/XX/18 I have spoken to Manager XXXX and again they will pull the file and give us a call. This account I was told was sold it was original Regional in the amount of {$610.00}. XXXX XXXX shows an amount of {$580.00}. Please assist with getting the required documents to confirm the account.
Consumer complaint received 2018-08-21
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: Experian Information Solutions Inc. (NY)

When the credit agency deleted the fraud address, they should have also deleted the fraudelant accounts associated with the address. XXXX XXXX is reporting the wrong address on my credit report, it is a fraudulent address listed as ( XXXX XXXX XXXX XXXX XXXX XXXX ) that is wrong. They are also reporting a fraud account on my report from XXXX XXXX XXXX Thats associated with that fraud address. Correct my address and remove the fraudulent address from my reports. Remove the Fraudulent account associated with that address as well, XXXX XXXX XXXX Opened XX/XX/XXXX This is not my account. My CORRECT address is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX FRAUD ACCOUNTS ( ASSOCIATED WITH FRAUD ADDRESS ) XXXX XXXX {$2000.00} Closed XXXX XXXX  XXXX Closed : XX/XX/XXXX {$830.00} Closed XXXX Closed : XX/XX/XXXX {$760.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$160.00} Closed XXXX. 
XXXX XXXX XXXX.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WA)

A person knocked on my door and without identifying and without asking that the person who opened is a XXXX years old girl and by rude and aggressive manner intimidate to sign the summon notice. my daughter is scary know because she saw the notice of XXXX situation in this moment.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COOLEY ENTERPRISES INC (GA)

On XX/XX/XXXX I received an alert that my credit score had changed. When I checked the alert it stated that XXXX XXXX reported that I was 120-149 days late on my payments. I don't understand why they would report that when they sold my account to XXXX XXXX in XX/XX/XXXX. I longer have a contract or even contact with them. I am current and update on my payments to XXXX XXXX. When I call I keep getting people give me different numbers but no one knows what I need to do to have it fixed.
Consumer complaint received 2018-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (NJ)

I recently went on XXXX XXXX XXXX beginning XX/XX/2018. I purchased insurance with my loan that will cover XXXX XXXX XXXX when I first opened the loan. Mariner Finance requested I send medical proof. I sent medical proof. I was advised by Mariner Finance that they wanted the same medical proof two weeks later. I provided that proof. In the meantime I get a letter from the insurance company advising they approved my claim and I spoke to a  representative who advise me they paid out my loan till XX/XX/2018 and due for XX/XX/2018 and that action has been completed. Mariner representative in the XXXX office is claiming I need to keep sending medical proof every few weeks and won't apply a full monthly payment but rather pay partial payment for one month. Insurance advised they no longer need any proof. Mariner keeps advising that insurance company needs proof every two weeks. I don't agree or think its lawful and fair business practices to ask for medical proof every two weeks and not apply the funds the insurance company, I pay, approved to my company upfront till XX/XX/2018.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

My wife and I " purchased '' points on a timeshare XX/XX/XXXX using Visa card XXXX XXXX XXXX XXXX debited XX/XX/XXXX for {$5300.00} to XXXX  XXXX XXXX XXXX XXXX. We were mislead ( lied to ) in order to make the purchase and disputed the sale from time of purchase. XXXX XXXX, called us XX/XX/XXXX on a recorded line and offered to cancel the contract for this reason. That the contract had never gone through due to identification problems. This was documented and sent to customer service specialist Ms. XXXX XXXX XXXX of Visa. XXXX XXXX ( XXXX XXXX XXXX ) sent papers to sign negating the sale. They said they will keep the money paid, {$5300.00} as part of the settlement for letting us out of our contract. We state that there was never a contract with their own admission as evidence, stated twice on two recorded lines, one ours, one theirs. If there was no valid contract, and there wasn't, they have no right to keep the money and it should be returned. We have an abundance of documentation back and forth showing, without written dispute, that the contract was never in effect. We would be happy to send a file in support of these statements. I am XXXX and my wife is XXXX and financial elder abuse may be a factor here as well.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (MI)

I have three 3 credit card accounts. Chase is reporting two old addresses to XXXX and XXXX on all three accounts. I am trying to have my old addresses removed from my credit report and only have my current address listed on my report. I have lived at my current address for nearly five years. When I contacted XXXX   and XXXX  and asked them to delete the old addresses, they said they could not because Chase is still reporting these addresses each month. Please stop reporting my old addresses and please remove them from my credit file. The only address I should have listed is my current address. See attachment for more information.