davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JNR Adjustment Company, Inc (OH)

We rented a car from  XXXX  via our insurance company. After the rental, I received the bill on  XXXX  which had multiple errors. As per  Fair Credit bi lling act, I responded the company in written mail on  XXXX . But the company failed to acknowledge my letter in 30 days so I also sent email on   XXXX   XXXX   on their email address (  XXXX  XXXX  XXXX  ) which they ignored as well. Now they sent bill to debt collector and they are telling me to pay in 30 days.     Total Amount Charged : {$650.00} Total Paid so far : {$590.00} Amount pending : {$43.00} I sent them following mail : There are 2 errors in this billing :  1  ) {$20.00} amount per day is invalid, when we rented the car on   XXXX   per day rate was {$18.00}. If {$20.00} is valid per day rate, Please send me proof of document which I signed on   XXXX   which says {$20.00} per day.      2 ) Invoice  got invalid time of return, we returned the car in morning around  XXXX  on  XX/XX/2017   , which basically counts to 28 days of rental but they charged for 29 days.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Empowerment Ventures, LLC (WA)

I was aware that m y card ha d an expiration date  of  X/2017  .. . and I have not received a new card yet. So I used this current  card be lieving it would still be active until the end of  XXXX . When my purchase was declined, I went t o the Rus hcard site to view my account. I saw that on  X/XX/2017    ( same day  ) m y government  XXXX  benefits had posted. Due to having trouble in the past with Rushcard ( not receiving money due ), I did research and saw that there were many complaints against Rushcard, so on  XX/XX/XXXX , I went to the Social Securi ty office an d told them that I did not trust this company and wanted my direct deposits stopped. Due to it being so late in the month, they could n ot stop the p ayment for  XXXX , but as of  XXXX , no further deposits will be made to my Rushcard account. I was t old by the re presentative who served me that if I have any problems with my  XXXX  deposit with this financial institution to report it to  Social Security Administration. As  I had feared, I have fallen victim to Rushcard 's scam. When I go online to their site, I see my funds were posted but they are not posted  to the card that expires at the  end of this month. They are posted onto a n ew card ( that does not s how full acct number but does show hte same ending of  XXXX   as the soon to expire card ). It ha s a button to click that says activate, but, when asked fo r the security digits on the back of card ... the number from my current card do es not work ( of course ), and I have  no new card that has been sent to me. The site  does not allow me to  update my address ( I have moved ), and no forwarded mail from Rushcard. The site will not allow me to do anything, as it is showing the funds are on an unactivated card. When I call the numbers provided ( including the  headquarters in  XXXX   ), I  am unable to get anyon e on the phone to  answer my questions. Neither was I able to transfer my funds to anothe r card member ( with is  an option ) ... or do bill pay. I am on  XXXX  and depending on my benefits to pay bills. I am afraid that if Social Security can not send another check, then I may become homeless again. I can not ac tivate a card that  I do not have, neither speak to any representative. I am certain I have been scammed and funds being held. When I c all the headquarters phone number, a voice recording comes on and says this card can  not be activated. Please help me if you can. Thank you.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc. (VA)

On  XXXX   XXXX ,  2017, I d id n't have cash to pay a toll. The attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,   XXXX  , I wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017,  I got notification it cleared my bank.     On  XXXX   XXXX ,  2017, I  did n't have enough cash to pay another toll. I paid {$0.00} in cash and the attendant wrote me an Unpaid Toll Report in the amount of {$0.00}. On  XXXX   XXXX ,  2017, I  wrote a check, per the instructions of the Unpaid Toll Report, and mailed it to the  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX ,  2017, I go t notification it cleared my bank.     Then, on  XXXX   XXXX ,  2017, I received  a letter from  Focused Recovery Solutions , Inc.   XXXX    XXXX     XXXX ,  XXXX   XXXX ,  XXXX , VA  XXXX  indicating that my account has been placed with them for collection action. In addition to the {$0.00}, they are including an administrative fee of {$25.00} if not paid within 30 days.     On  XXXX   XXXX ,    2017, I  called both the collection agency as well as the vender,  XXXX , to try and resolve this. They have n't pulled it from collections pending verification of these payments.     This appears to be a shady business practice as both checks were cashed or deposited by the vendor in the month of  XXXX .
Consumer complaint received 2017-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I originally contacted   XXXX   XXXX   @  XXXX   XXXX  about the bill when I first received the bill around  XXXX   XXXX  and advised her that I went in for an   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  and rep stated she had to research the codes she called me back and stated coders stated the codes were right and gave me a  XXXX  NC address to mail a complaint. I mailed the complaint and never got a response until I received a collection letter fro m Bull City and I sent them a letter about insurance not being filed and disputed charges. The next notification I received was the charges on my credit report. I 've attached proof of insurance coverage. I resubmitted validation again to Bull City ba ck in  XXXX   XXXX  and they sent my a privacy notice I signed back on  XXXX / XXXX / XXXX  which I acknowledge and my insurance paid for that date no information for  XXXX / XXXX / XXXX . Information of my dates of services with  XXXX  codes are listed on the forms that was sent to me b y Bull City which violates HIPPA and there  was n't any insurance billed for  XXXX   XXXX ,  XXXX  request again On  XXXX   XXXX ,  XXXX  I went in for an   XXXX   XXXX   which is covered 100 % by my insurance. I would never go to a physician to pay full price for a visit and not have insurance billed.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

It is with great disappointment and sincerity that I approac hed Ditech Financial to c onsider my request. I had requested a work out plan that was affordable.   Our struggling began  in 2015 when my  husband lost his job and I was the  only one brin ging in income. For a family of  XXXX . .My husband did everything to find a job. This could not had happened at a worst time. we had a reduction of income and increased expense s.. Ditech provide d a trial period. However, I made my first two payments and when I went to pay my third payment they because I made after the first Ditech will not accept it.   I desperately ask they allow me the chance to keep my home ..I have small children.   I am also certain that our financial situation will improve for my uncle is now contributing for he is home with us..   I am begin for a chance. Please review our situation, our financial and adjust our mortgage payment to an affordable level.   I hope and pray Ditech considers my request.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

After trying to get PSLF forgiveness and being denied ( complaint #  XXXX  ) FedLoan servicing recommended a payment plan that would have been more than {$150.00} per month than I was previously paying. I called them twice to complain and was told the first time that my payment would be adjusted down and to ex pect one payment period of forbearance to get onto the new payment schedule. Just before the scheduled payment was due, I logged into the FedLoan website and noted that the payment was still scheduled and no forbearance was issued. I called them immediately and they again told me not to worry about the payment and re-issued a forbearance ( verbally ) and let me know the rate would be adjusted downward. Two days later an automatic payment was taken out of my checking account for the unadjusted amount. This caused an overdraft on my checking account. I tried twice to get this situation straightened out and their actions re sulted in an overdraft.
Consumer complaint received 2017-04-26
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: BARCLAYS BANK DELAWARE (NJ)

I received a copy of my credit file  XXXX  from  XXXX . I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to   XXXX    the write back confirming these are factual and to contact orginal creditor. On  XX/XX/XXXX  I called Barclays Bank Delaware @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , PA  XXXX  Dear   XXXX   XXXX   : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the  Act. My Social Securit y number is  XXXX  Barclays Bank Delaware   XXXX     XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,   XXXX   XXXX   XXXX
Consumer complaint received 2017-04-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: GMA Investments, LLC (AZ)

Summit recovery continues to call my business line and leave messages although i have asked for proof of debt in writing. I do not know anything about this debt, they state it is for a payday loan which is illegal in the state of arizona, so I suspect this is an attempt to fraudulently attempt to collect money.
Consumer complaint received 2017-04-26
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. (TX)

I mailed a M ultiple Inquiry Removal Letter o n  XXXX   XXXX ,    2017  to Transunion by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017 . The request that I submitted included hard inquiries that were not factual and I received the same response fo r ALL inquiries, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA must delete the disputed information from its files. One can assume that there was no investigation into the matter due to no reponse. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute. For hard inquiries that do n ot belong to me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern for credit worthiness by a consumer.
Consumer complaint received 2017-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fidelity National Financial, Inc (NY)

XXXX   XXXX   XXXX   who brokered a title insurance policy th rough Fidelity National Title Insurance  appointed by  XXXX   XXXX  Bank failed to provide clear title or inform me of title issues by the time I purchased my property  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX  brokered with a California division outside of NYS who have been unresponsive to my letter of inquiry . ( Fidelity National Title Insurance Company with the address o f  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  California  XXXX .  XXXX  failed in it 's fuduciary responsibility to be a neutral par ty ( Trustee or Beneficiary ) to   inform me of changes made to legal title and what appears to be a factious foreclosure or property abandonment whereby  XXXX   XXXX   XXXX . self assigned themselves to create a new mortgage lien in   XXXX   under the guise of a loan modification and awarded themselves over {$38000.00} of which no accounting has been presented to me. My property has a clouded title whereby it appears that  XXXX  entities  XXXX   XXXX   XXXX . has a lien and  XXXX   XXXX   XXXX  also had or has a lien and securitized interest in my property. I have had no dealings with either of them or anyone else and it was the trustee 's responsibility to do what was proper by me and in compliance with the SEC and tax laws. It appears that some other " unknown '' entities with judgments unrelated to me have been attached to my property in the  XXXX   XXXX  land and Court records by the law firm  XXXX  of which I have written a letter to the  XXXX   XXXX  Clerk  XXXX   XXXX  to correct and remove This complaint is in relation to previous complaints I have  made with CFPB on   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   .
Consumer complaint received 2017-04-26
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. (MN)

My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. Th e Dept of Education tel ls me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( the d efault ) however, they should have to report my payments and show that I am trying.
Consumer complaint received 2017-04-26
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. (NJ)

I received a copy of my credit file  XXXX  from TransUnion. I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to TransUnion the write back confirming these are factual and to contact orginal creditor. On  XXXX / XXXX / XXXX  I called  XXXX    XXXX   XXXX   @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XXXX / XXXX / XXXX   Trans Union   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Dear  Trans Union  : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the Act. My Social Security number is  XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (MN)

Received a alerts from my credit report that I have a collection that was placed on there fr om amsher c ollection services for  XXXX  I filled bankruptcy last year and included  XXXX  I ask the lady can she send me a copy bearing my signature she said she not sending me anything was really rude then hung up. Call about 5 times to also get there address and repeatable hung up. To Whom It  May  Concern : This letter is regarding account #  XXXX  also accounts #  XXXX  which you claim 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. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing th at I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancele d. 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 do n't owe, is a violation of the Fair Debt Collection Practices Act ; 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 will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for   : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.       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 respon  se, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Consumer complaint received 2024-10-22
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: Apelles, LLC (GA)

VALIDATION AND CEASE AND DESIST Collection agency name : Apelles Address : XXXX XXXX XXXX XXXX, OH XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Apelles I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NC)

I purchased a " XXXX XXXX '' at XXXX yesterday and put {$460.00} on it. Both the phone number and website state that the card is active and {$460.00} is the available balance. Ive attempted to pay a bill, get snacks at a gas station ( in person ), and get food at the grocery store but all of my purchases have been declined ( and marked in the transaction history as declined ). There is no means to contact a human customer service representative on the phone number and the only problems I'm allowed to report on the website are " Unauthorized transactions '' or " incorrect balance ''. Selecting either option sends me to a dead end. There is a physical mail address on the website " XXXX '' but I have no hope in pursing that route considering there are many accounts online of the exact same thing happening to other customers. Please help!