davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-20
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. (CA)

On XXXX XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I received my annual credit reports. there is a company that on my XXXX XXXX XXXX report by the name of XXXX, XXXX XXXX XXXX XXXX. I have no idea who they are, I have not requested any credit, form any credit company in the past year. The inquiry says is from XXXX XXXX, I was traveling on XXXX XXXX was not even in the United States. Someone must have used my information, and now appears ad a credit inquiry from XXXX XXXX, XXXX. 


XXXX XXXX XXXX
Consumer complaint received 2017-10-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Receivables Group, Inc. (NC)

My complaint is with a Collection Agency called Healthcare Receivables. The sent me a bill of 3 charges for XXXX university for a total of {$630.00}. The sent this bill with only charges, no date of service and no true Validation of date. I would need Validation of this debt not verification. First I have never been to XXXX University, I do not even stay close to this area. Second I have been XXXX and have had XXXX since XXXX of this year and before that and during XXXX I also had XXXX XXXX who I spoke to and they confirmed they paid all my vlaims from when I had insurance with XXXX. XXXX has been covering all my hospital bills and doctor bills, so I do not know where this account come from or why it was n't submitted to medicaid. I called this Helthcare Receivables and typed in the account number on the bill received and they gave me a different amount or {$720.00} due. I have never been to XXXX University  and if this is Physician bill from another XXXX I go to this would need to be submitted to XXXX. But this bill is unclear and does not even have a Date of Service.
Consumer complaint received 2017-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NC)

Hello there! 

On Monday, XXXX XXXX, 2017, I contacted the bank who handles the XXXX XXXX XXXX, XXXX XXXX, to ask for an account closure and to work a payment plan of a fixed amount until the charge card is paid in full. I was instructed to call the customer service phone number to explain the situation and look for options. 

The representative who answered my phone call, whose name I can not remember, at all times, refused to work out a payment plan based on my hardship situation. Instead, she was insisting more than once, on collecting the debt when I told her that I was about to take care of that before the due date. 

This is not the first time I have problems with XXXX XXXX and they are difficult to work with. All I am asking is for a fixed payment plan between minimum {$25.00} or maximum {$50.00} per month until paid off. The rep at all time did n't consider my offer and instead said to wait until I make the {$40.00} payment due this month to see if the next payment will go for less than usual. 

As soon as I pay off this charge card I will never ever deal with this bank.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (SC)

This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received the card statement attached below after the due date, which due date was XXXX XXXX XXXX. I am not sure if it was sent to the wrong place or if it was sent to a neighboring house and they realized but it appeared in my mailbox after the due date. Due to this I went online to create an account ( I believe on either XXXX/XXXX/XXXX or XXXX/XXXX/XXXX ) to attempt to pay the card issuer Capital One but by then it already had a late payment penalty of an extra {$28.00} on the card, min due was {$59.00} and online it was showing {$87.00}. Because of this I ended up calling to try to resolve the issue with the card issuer. I spoke to an initial agent she said she would be happy to waive a late payment fee due to the situation and especially it being the first payment and given my situation. I replied thanks and that this should be the only time since I am now registered online and can check and pay bills before the due date moving forward. She then assisted in helping me pay the statement that was sent late & I paid {$60.00} on XXXX/XXXX/XXXX. I then asked for what my next payment would be on XXXX XXXX and she said {$87.00}. After several minutes of discussing & doing math I explained that I was still being charged extra {$28.00} I asked her to escalate to her supervisor. After 20 min of discussing the same with her lead XXXX XXXX Id # XXXX ) he said nothing can be done. I explained that surely this situation happens and that I ca n't be the only one who got a statement late after the due date. I went on to try to explain that I was now signed up online so I can check for statements and that due to the error on their end I was asking for a one time grace for the late charge of {$28.00}. He just kept saying that is not how it works and nothing could be done. I explained that the late fee was waived given the situation so why ca n't the Penalty APR because that is the extra they are basically charging for getting something in the mail after the due date. So because of that there would be no way I could have ever paid before the due date because I had not statement to refrence to pay. My account # with them is XXXX. I also explained that I was trying to work with them and paid the statement balance due as soon as I had it in my position.
Consumer complaint received 2017-10-22
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. (GA)

I have tried numerous time to dispute an address on my credit that is not mine. I get back the results that states, " The results are : The disputed address has been deleted. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. '' When I look at my credit report, it 's never deleted.
Consumer complaint received 2017-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

Submitted dispute to Equifax regarding an incorrect address on my credit report. 

I received an email that the dispute was resolved on XX/XX/XXXX, 2017. HOWEVER, when I tried to login to the Equifax website to see the status of the dispute and what now shows on my report, I was denied access due to " inaccurate '' information to verify my identity and they asked me a ton of questions verifying my identity and I do n't even feel comfortable giving them all this considering they just lost a TON of my data and others.
I ALSO tried calling and was repeatedly hung up on before I could ever get to a representative.
I want my credit information to be accurate and I saw this address on a different report which was successfully corrected. I do n't want my identity stolen.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

ON XXXX I CALLED XXXX XXXX XXXX CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE ONE XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE EQUIFAX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT ONE I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF EQUIFAX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A MANAGER AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Valer Enterprises, Inc (NY)

valer enterprises at XXXX XXXX XXXX, XXXX XXXX XXXX ny  XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying coscto had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX
Consumer complaint received 2017-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Consumer complaint received 2018-04-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS (MD)

Embrace home loans received the bill from our insurance company XX/XX/XXXX, as of XX/XX/XXXX they still did not make payment to our insurance company. I called XX/XX/XXXXto find out why - they had no answer and said payment would be sent within the next week.
Consumer complaint received 2017-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis & Associates are reporting an account on my credit report. I have sent debt validation/dispute letters via certified mail to them which has failed to comply with California State laws by properly validating my debt pursuant to the California Fair Debt Practices Act ( CFDPA ). 
In addition they have failed to properly mark my account disputed pursuant to the CFDPA. They prepared negative and inaccurate information to credit reporting agencies concerning my credit. I notified them twice via certified mail in regards to the accuracy of the information, however, they have continued to report inaccurate information on my credit report. They have negligently and willfully failed to comply with the requirements of the CFDPA, including but not limited to : California Civil Code Division 3, part 4, title 1.6 1785.25 ( a ), ( b ), ( c ), ( f ), 1785.26 ( b ), ( c ), applicable remedies as follows : 1785.31 ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ( D ). Title 1.6C. 1788.17 ( which in accordance with the Rosenthal Act is inclusive of original creditors such as Rash Curtis & associates, and inclusive of the following violations pursuant to the FDCPA 15 USC 1692 ) 807 ( 2 ) ( A ), 807 ( 8 ), 807 ( 10 ), 808 ( 1 ), 809 ( b ). Applicable remedies as follows : 1788.30 ( a ) ( b ) ( c ). Title 1.6C.5. 1788.52 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ), 1788.52 ( b ) ,1788.52 ( c ). applicable remedies as follows : 1788.62 ( a ) ( 1 ) ( 2 ) ( c ) ( 1 ) As a result of their failure to comply with the requirements of the CFDPA, I have suffered, and  continue to suffer actual damages, including economic loss, denial of credit, lost opportunities to receive credit, damage to reputation, invasion of privacy, degrading social standing and emotional distress for which I seek damages in an amount to be determined by the courts.
Consumer complaint received 2017-10-22
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: Simon's Agency, Inc. (NY)

I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : XXXX XXXX Simon 's Agency have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {XXXX. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep XXXX ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with XXXX, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. XXXX is now in violation of sections 623, 609, 1681 and 603. Simon 's Agency is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.
Consumer complaint received 2017-10-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Onity Group Inc. (AK)

We were paying off a mortgage through " XXXX XXXX, '' an escrow company in XXXX, AK, when the entity to which they made payment was purchased by " Ocwen Loan Services, LLC. '' We paid the full amount of the loan through XXXX XXXX, and XXXX XXXX tried XXXX times to send " Ocwen '' the payoff amount which they refused, claiming that there were hundreds of dollars in " late fees '' accrued beyond the anticipated payoff amount. Ocwen has persisted in continuously harassing us with phone calls from off-shored " agents '' and frequent mailings. We feel that Ocwen is trying to take advantage of us as consumers by posting concocted late fees and other clerical and insubstantial fees to an astounding XXXX}. They have even gone to the ridiculous extent of charging us for insurance! Doubly ridiculous since we have insured the home ourselves ; they have no business doing so. The heinous nuisance of Ocwen 's interference in our lives is personally insulting to me, as this property is part of my pioneering grandparents ' homestead which a friend of the family had purchased and developed, then sold to us. We have held the title to the property since our final payment via XXXX XXXX, recorded on XXXX XXXX, XXXX. I find the Ocwen entity to be incorrigible and annoying in their attempts to rip off American consumers. Please do your best to stop this thieving company and clear my credit report of this DISPUTED CLAIM.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on XXXX of this year i received a letter from XXXX XXXX XXXX who is a debt collector trying to collect on a bank of america account ending in XXXX i immediately sent them a debt validation letter to show proof that the debt is valid. this was sent on XXXX of this year. it is now XX/XX/year> and they have not responded back to such request. therefore it is a violation of the fair debt collections practice act ( FDCPA ) therefore this account should permanently be removed from my credit report. 

i have contacted experian in regars to this matter and i have started multiple disputes with them. the account was previously removed from my credit report, and now its back on the report. 

by law they should also inform me on the re-insertion of a debt tp which they have not.