davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX XXXX has violated several consumer protection laws. My employer received a garnishment letter from them and I have never received any communication from this company of any kind verbal or written. I have no idea who they really are if they are collecting on legitimate debt that I owe or if this is an error. Clear violation of FDCPA and CFPB for 3rd party company. I was Never given an attempt to validate the debt. And they have ordered my employer to withhold 15 % of my disposable income starting this week. I already have child support wage garnishments for half my income and cant afford to lose money to a company that I know for a debt that I dont even know for sure that I owe. Its deceptive and unfair!
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

In XX/XX/XXXX we purchased a XXXX XXXX. On XX/XX/XXXX the XXXX was totaled in a car accident. Our insurance, XXXX XXXX, paid XXXX XXXX XXXX via check. We were under the impression that the GAP insurance we received from XXXX would cover the additional amount - because that is what GAP does. XX/XX/XXXX, we were notified that we were given inadequate GAP insurance and still owed to XXXX. This means that it had been over 60 days since our last payment which was made in XX/XX/XXXX - I must also add that we paid in XXXX because we were told it would count against us but that we would not have to pay after while GAP was being sorted. We begin our payments - always over the phone via debit - because they shut our online account down. We had paid on time leading up to the accident, always online. We never received communication from XXXX XXXX XXXX in regards to what was owed until the payment was late by months - we were always unaware of what was left owed and would make payments when we were called. If I must add we were also in poverty at this time. 

From XX/XX/XXXX-XX/XX/XXXX we were consistently listed as current and on time with XXXX XXXX XXXX. In XX/XX/XXXX I realized that they were still on our credit although we had fully paid them off. I disputed this. Unbeknownst to me, XXXX then maliciously put us in " Charge Off '' status from XX/XX/XXXX-XX/XX/XXXX. This obliterated my credit score and ruined my chance of getting a mortgage. A company that has always put us as " on-time '' has ruined our credit after being paid. 

To top it off, in XX/XX/XXXX XXXX also approved us for a car loan at {$32000.00} price. We ended up going with another car, but for someone in " charge off '' status - a {$32000.00} loan seems odd.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (CA)

We had a security system installed by XXXX. The System stopped working. When we got in contact with the company, they said they would send someone over. They never came. When I contacted them to cancel the service and get their security system from our residence, they instructed us that they will terminate the monthly service and we can keep the security system as we bought it. Therefore, we are disputing the charges. XXXX told us we did not owe anything. They were later bought out and now they are trying to collect a debt that we did not agree to with them. The system has been disabled for well over 13 years. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX at XXXX EST I applied for a Care Credit account in the amount of XXXX to finance a XXXX  XXXX. The providing bank, Synchrony, proceeds to auto approve me for {$1000.00} credit card and tells me I cant close my account for 3 days, and Ill have to call back, even though the amount is no where near the request I made. No where in the Terms & Conditions does it mention auto approval for an amount I didnt actually request. What a way keep us racking up debt.
Consumer complaint received 2023-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC (AZ)

1. XX/XX/XXXX I certified mailed and filed a 13-page written dispute with the medical facility, XXXX XXXX on behalf of XXXX XXXXXXXX XXXX XXXX and the most recent debt collector, XXXX. 
2. This written dispute is detailed in bullet points, including dates, names, and conversations with, XXXX, XXXX XXXX XXXX XXXX XXXX, Health Insurance XXXX XXXX XXXX, XXXX  by XXXX XXXXXXXX, XXXX, the first collections agency, XXXX XXXXXXXX, and XXXX, the second collections agency, XXXX, between the date of medical service on XX/XX/XXXX and date of dispute mailing on XX/XX/XXXX. 
3. Communication with XXXX XXXX XXXX XXXX XXXX XXXX despite three separate phone conversations with three agents and each agent agreeing that the original bill had been processed with insurance incorrectly ( as deductible plan and not as the correct co-pay plan ), as well as committing to reprocess the claim, no resolution is reached. 
4. Communication with XXXX XXXXXXXX, despite two conversations with two different agents confirming that XXXX XXXX billing department did not reprocess correctly and then did not reprocess at all. 
5. Communication with XXXX, despite a minimum of several conversations with at least seven different agents, all who confirmed that the claim had to be reprocessed and that XXXX XXXX continually failed to do so, therefore reactivating the continued collection communication, it was ultimately stated that by Agent XXXX on XX/XX/XXXX, " This can not be correct, never processed under correct plan. '' 6. Communication with XXXX XXXX XXXX XXXX XXXX by XXXX XXXX and XXXX XXXX XXXX XXXX despite my continued outreach and efforts to coordinate the correct processing of this claim and the mailing of the official dispute, no communication was received until the re-emergence of the collection efforts by the third collections agency ARC Management Group . 
7. As stated on the written dispute, the horrendous amount of time, effort and financial loos on my part in attempting to explain, support and request correct insurance processing- which, to date, has not been made whole, has caused me and my person extreme duress and hardship. Receiving this new onslaught of collection notices and threats has only continued now three years of harassment by XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

AFNI is attempting to collect a debt that I have no knowledge of. I have never entered into any contract with AFNI. AFNI HAS NEVER CONTACTED ME IN WRITING OR BY ANY OTHER PROPER FORM OF CONTACT DEEMED FIT BY THE FCRA. It is my sincere request that AFNI immediately remove this account from each of the credit reporting agencies that it is presently reporting this negative information to.
Consumer complaint received 2023-06-20
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XXXX XXXX XXXX I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and two late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last four : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XXXX XXXX XXXX 
Remove any late payment dates after XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred afteXXXX XXXX XXXX XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from XXXX XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XXXX XXXX XXXX is attached. 

Thank you for your assistance.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TN)

I reached out to IC System Inc. to dispute the debt issued by XXXX and they suggested that they could settle the debt and negotiated two prices one for approximately {$300.00} and another for approximately {$180.00} which where I declined both. I did provide in writing to the agency that I could return the modem box to XXXX in place of the debt being owed before the collection date of XXXX IC System did not attempt to reach out to me to confirm if the request was accepted or denied in order to stop the debt. Instead, they collected anyway. I also have reason to believe that they did not contact XXXX to negotiate terms of settlement. They assured me that they disputed the debt in their system but XXXX has to agree to the dispute. Communication with both the agency and XXXX has not been resolved.
Consumer complaint received 2023-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX I have previously disputed this account, but have received a response stating it has been verified. However, as per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the method of verification, which to date, has not been provided. 

I respectfully request that you provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available, in accordance with section 611 ( a ) ( 7 ) of the FCRA. 

If this information can not be provided, I would ask that you immediately delete the disputed item from my credit report, in accordance with the FCRA. Failure to comply with federal law may result in legal action being taken against TransUnion. 

I trust you will handle this matter with utmost priority and rectify my credit report promptly. Thank you in advance for your cooperation in this matter.
Consumer complaint received 2018-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I would like to file a formal complaint against Wells Fargo concerning my home mortgage loan. In XX/XX/XXXX I acquired a home mortgage loan for XXXX. at a rate of 8.875 % for 180 months fixed rate loan, not a balloon payment. One of the conditions of the loan was that it be set up on an auto pay for the amount of {$430.00} which I signed a form to approve the set up with my bank. I have always made sure the money was in the account to cover the date of the auto pay. Every month I received a statement from Wells Fargo reflecting the amount of {$430.00} owed and paid. In the earlier years of the loan there was no interest rate listed or maturity date. Later on in years around XX/XX/XXXX I noticed there was a maturity date as well as an interest rate. I started adding payments left on loan to find out that this simple fixed rate loan was not XXXX  out. I contacted Wells Fargo to tell them about this and my concern, and in the end, they sent me an offer to re-finance the balance. That was not agreeable to me. I was counting on putting this debt behind me paid in full per our auto drawn agreement. Most recently I have again reached out to Wells Fargo and I still have no resolution. Wells Fargo has on my statement a balance of over {$20000.00}. They can't explain what's wrong or what they are going to do. Since I have reached out to Wells Fargo concerning this matter, I have received a statement with an amount different from all the previous statements ( {$500.00} ). I have accepted each statement as a contractual agreement on what was to be paid each month. I have one more payment due XX/XX/XXXX. I am not prepared to pay any more than I have agreed to per our auto pay agreement. This is a financial hardship on me and my family. I'm Hoping you can help resolve this as I don't know where else to turn. I've seen many things about Wells Fargo being deceptive in their business practices and I'm afraid for myself and my family of becoming victims. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America allowed someone to come into a branch and withdraw {$900.00} out of my account on the second occurrence, they allowed someone to come and take {$600.00} out of my account. I was told since I did not notify them in 60 days time, it was my responsibility alert them within 60 days. The {$600.00} was clearly within the 60 days time period and they denied my fraud claim. This is not {$5.00} or {$50.00}. This is {$1500.00} that was allowed to be drawn out of my account. Bank of America sent someone a debit card and failed to follow their own identification protocols and allowed someone on two occasions to draw money out of my savings account.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have mailed each credit bureau ( XXXX, TransUnion, and XXXX ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from TransUnion stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA
Consumer complaint received 2023-06-20
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. (MO)

I have perfect credit Transunion is reporting a {$160.00} collection account that is just showing up under my name from XXXX XXXX... The collection agency is XXXX XXXX XXXX with a disconnected telephone # of XXXX XXXX XXXX I also mailed a letter for the " documentation '' ... no response I have never done business with XXXX XXXX and it says the account is over 5 years old! 
Transunion admitted they have not seen verification of the debt and told me to contact XXXX XXXX XXXX which i tried to do and there has been no response to mail and again their phone # on XXXX, Transunion document and website is disconnected I have never received a phone call or letter regarding this and i know this is in error i want it removed Says acct opened XX/XX/2019 {$160.00} placed for collection 4 years later
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by liquid.vip which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SC)

They call me at LEAST every hour on the hour every single day and if it is not every hour sometimes it is multiple times in a row. For example : they have called me 4 times within one minute. On top of these excessive phone calls, I also receive several texts per day and several voice mails per day.
Consumer complaint received 2018-10-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I have worked for a qualified 501 ( c ) 3 for 13 years. I have tried two separate times to apply for Public Service Loan Forgiveness. The first time I was told, by then Sallie Mae, that my loans were no longer federal because I had consolidated them through Sallie Mae who does not participate in the PSLF. At this point I had been making payments for 5 years. I was told I'd need to reconsolidate with a different lender ( they had no information with whom I would need to consolidate ) and begin making 10 years of payments again. 

The second time I was told my loans were too old, that since I began school in XX/XX/XXXX and finished in XX/XX/XXXXthat they were ineligible. At this point I'm giving up. But I am filing the complaint because as XXXX XXXX at this XXXX, I file paperwork for many employees to get this forgiveness and have yet to see any approved.