davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Recovery Corporation (KY)

First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be!
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am the XXXX XXXX for the City of XXXX XXXX. A resident, XXXX XXXX, came to see me last week to discuss a concern related to obtaining a fixed rate mortgage on his home to replace a home equity line that has an adjustable interest rate. Last year, XXXX XXXX obtained a home equity line for {$75000.00} for the property he owns at XXXX XXXX XXXX in XXXX XXXX, OH. The property has no other mortgage or lien against it according to XXXX XXXX. He visited our local Fifth-Third branch to apply for a mortgage loan, but he was denied, because based on a drive-by appraisal, Fifth-Third determined that the home had a market value of {$44000.00}. In 2014, the home received an appraisal of {$94000.00} at the time the home equity line was opened. XXXX XXXX 's credit score is XXXX. He has recently improved his property with a new roof and windows. The property is well-maintained and owner-occupied. We believe that XXXX properties were used as comps in the appraisal. Property values in the area have increased over the last three years. There have been XXXX new homes constructed on XXXX XXXX XXXX street in the past XXXX years which have sold for over {$160000.00}. The City has seen an increase in the number of low-ball appraisals in the past few years which cause our residents to be unable to refinance loans or obtain new loans. In our opinion, this is a form of redlining, and it is causing disinvestment in our community. The city is in the process of undertaking an analysis of our XXXX data which will be released in XXXX. Preliminary results suggest a large discrepancy between deposits and lending in our community.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

[ Your Full Name ] [ Your Address ] [ City, State ZIP ] [ Date ] [ Transuinon, XXXX XXXX XXXX XXXX XXXX ] [ Credit Bureau Address ] [ City, State ZIP ] Re : Credit Report Dispute Account Number : [ Your Account Number ] Social Security Number : XXX-XX- [ Last 4 digits only XXXX Dear Credit Bureau Representative : I am writing to dispute information that appears on my credit report pursuant to my rights under 15 U.S.C. 1681i of the Fair Credit Reporting Act.

I am disputing the following information in my report : [ Identify the specific item ( s ) you're disputing ] Account Name : not sure Account Number : Reason for Dispute : removing items on my credit. 

This information is [ inaccurate/incomplete/unverifiable ] because : [ Clearly explain why the information is incorrect i XXXX XXXX never give these company permission to run my credit and i never receive any products or customer services. These are the companies, XXXX XXXX, XXXX XXXX, XXXX, As required by Section 1681i of the FCRA, please investigate this matter and delete or correct the disputed information. Please send me an updated copy of my credit report at the above address, showing the corrections. 

Additionally, pursuant to the law, please forward all relevant notices to any data furnisher involved in this dispute. 

I have enclosed the following documents to support my position : 1. [ List supporting document ] 2. [ List supporting document ] 3. Copy of my credit report with disputed items highlighted If you have any questions or need additional information, please contact me at [ your phone XXXX [ your email address ] XXXX Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX ] Enclosures : [ List attached documents ]
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the validity of any debt your company claims I owe. In addition, I am requesting that you **immediately cease and desist** all communications with me via phone, text, and email. You are only permitted to contact me in writing through mail at the address provided above. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws, I request the following : XXXX. **Debt Validation** : Provide complete validation of the alleged debt as required under 12 CFR 1006.34 ( b ) ( XXXX ). Your agency has placed a collection account on my consumer report without first providing this validation, which is a violation of the law. 

XXXX. **Opportunity to Dispute** : I have not been provided with the required opportunity to dispute this debt in accordance with 12 CFR 1006.34 ( c ) ( XXXX ) ( XXXX ). You have violated my consumer rights by not giving me the proper chance to dispute the alleged debt. 

XXXX. **Misleading Practices** : Your agency is using false, misleading, and deceptive practices in attempting to collect this debt, which violates my rights under the FDCPA. 

XXXX. **Authority to Report** : Your agency has no authority to furnish this account to any consumer reporting agency without first providing all required disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 XXXX XXXX ) ( A ). 

In addition to the above, I am requesting the following : XXXX. XXXX XXXX XXXX : Provide the purchase agreement between your agency and the original creditor, which gives your agency the authority to collect this alleged debt. 

XXXX. **Proof of XXXX and XXXX : Provide evidence that your agency is properly licensed and bonded to collect debt in my state. 

This letter serves as both a formal dispute of the alleged debt and a **cease and desist** notice. Any further attempts to contact me by phone, email, or text will be considered harassment and a violation of the FDCPA. Any future communication must be in writing via mail. 

Failure to comply with these requests will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

I expect your timely response, providing all requested documentation and validation, within the legal timeframe. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been a victim of multiple cases of identity theft within the last two years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for TransUnion
Consumer complaint received 2016-02-25
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I have been working on my credit and fixing it for over a year, to refi my car loan with XXXX XXXX that had a huge intrest rate. I got my credit to a XXXX and was ready to start looking to refi. Well I am a Wells Fargo customer and have had over XXXX in my account for months, credit card with them, saving etc. I got an email from them stating " good news since your good standing with us you have been approved for a refi car loan with us! '' I was happy and started the loan app online. Right when it said at the end, continue, submit or save for latter I hit the " save for latter '' button due to wanting to talk it over with my Husband first before continuing. Well the next day I got a notification that a hard inquiry hit my credit. I looked it up and it was Wells Fargo! I was so mad, my score went down to XXXX 's! I called the local Wells Fargo, complained, irate and mad and explained what happened. There was nothing they could do, since it was online. At that point I thought do I just go in and see what they can do, or take the hit on my report and go some where else. I was mad and did not want to use them, after they checked my credit with OUT my authorization! I went in and since it was already a hit and checking to see if I would qualify. I got a letter XXXX weeks latter stating that my credit was too low, and had to many collections ( I had not one thing in collections! ) So not only did they check my credit with out my consent, they fooled me into thinking I was already approved and lured me into filling out an app ( even though I did not hit continue ) its still pulled a hard pull and my credit dropped, I was never refinanced and now had to go else where to get credit pulled again to get another refi, with a lower score thanks to Wells Fargos deceit! I called, complained, and they can do nothing! This hard pull cost me XXXX points!!!! I never agreed to the hard pull, SAVE FOR LATTER MEANS, IM NOT CONTINUING NOW, I MIGHT LATTER!!!! It 's not right or fair! Please help me!
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CL Holdings LLC (IL)

While living on their property, upon moving I was charged an amount that was not accurate to the agreed upon lease amount. When I attempted to pay the balance at the time the company stated that it had already been sent to collections and that the company would no longer take my payment.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for the Capital One Quicksilver card via this link : XXXX As you can see, it specifically advertises that there is no annual fee. A month after my enrollment, I noticed a {$39.00} membership fee charged to the account. I have called and emailed several times, presenting evidence of the original offer, but they reply with automated messages, ignoring the substance of the issue.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JNR Adjustment Company, Inc (FL)

The collection agency JNR Adjustment located at XXXX XXXX XXXX XXXX XXXX in XXXX Florida has this debt under someone else name and they refuse to give me a statement stating that I am released from the financial responsibilities of this debt. They said unless the person that is responsible pays in full, they can not provide me with this letter. Meanwhile my driver 's license has been XXXX and I can not get it reinstated unless they provide me with this letter.
Consumer complaint received 2015-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I owned a checking account with Bank of America. The account carried no monthly fee due to there being a waiver on the monthly fee. I received a letter in the mail indicating that the bank will be converting my account into a different type of account which carries a $ XXXX monthly fee. However, the letter unequivocally stated that I will not be charged the fee due to there being a fee waiver on the account. A few weeks later, I discovered that the fee was charged and my account was brought into the negative. I went into a BofA branch located at XXXX XXXX XXXX. in XXXX, FL. I brought the letter with me and showed it to XXXX at the branch. XXXX studied the letter, and then nervously told me that he 's not a lawyer and could n't interpret the letter. I asked him to waive the fee, which he attempted to do but told me he could n't since the system would n't allow it. I was unhappy with this response, and told him that I would deposit cash to bring the account to a XXXX balance so that it could be closed. I did and XXXX closed the account. I chose to close the account because I did n't want to give the bank additional opportunities to harvest fees on the account. The {$25.00} fee had already been charged despite the letter indicating, clearly, that a fee " will not be charged ''. The charging of the fee was an unfair and deceptive practice, in that the fee was not reasonably avoidable, and the terms of the letter I received in the mail was misleading. I would like my {$25.00} refunded.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

Extremely poor customer service & tracking/monitoring for consumer payments/payoffs.submitted a payoff a month ago still not processed, improper credit mark This company has extremely bad customer service and a very bad process to track payments and payoff checks. I 'm a military member whom send Chrysler Capital account number XXXX a cashiers check for the loan payoff amount of {$27000.00}. Three weeks later this payment has still not processed and because of this I received a late credit mark on my credit report which is showing more than 30 days and my score dropped by XXXX points. This payoff check was overnight to the company more than three weeks ago. It was XXXX overnight delivery service and was signed for by XXXX of the employees at the company. I have called a numb of times and keep getting told that there is no way for them to track checks that they have received. XXXX XXXX XXXX XXXX i find this extremely unprofessional, how can there not be a tracking mechanism for consumers who submit cashier or personal checks. How can there not be a mechanism for consumers not to get penalized in their credit reports for paying off their accounts on time. In over 15 years of dealing with finance companies this is the worst I 've ever seen. Their customer service is horrible, no one knows how to provide the proper answer or help the consumer. I find this very unprofessional, very unethical, for consumers such as me that work hard to keep their accounts current, to keep a good credit standing and the bad business practice of finance companies like this do not due their due negligence and try to hurt consumers credit standings to charge higher interest rates. The practices and customer service of this corporation are completely unsatisfactory. Please assist me in solving this matter and fixing my credit standing, thank you for all the assistance. XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-02-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Associates (FL)

The XXXX account was settled in full for the amount of {$300.00} final payment on XXXX/XXXX/XXXX to XXXX Case No. XXXX. There have been several different collection agencies over the last 6 months requesting payment on this account paid off and open before XXXX Who do I need to contact to stop the harassment? The last company called Piedmont Recovery called 3 times in on the same day. Each individual gave the same information of threatening to prosecute me in court ; in the same process refusing to accept documentation showing proof this is paid. This company only wants to make arrangements for payment of {$5000.00}, in which this account was settled with final payments of {$300.00} in XXXX. Piedmont Recovery is located at the address XXXX XXXX XXXX XXXX in XXXX, North Carolina XXXX. They can be contacted via phone at XXXX XXXX XXXX XXXX this is the number used to contact me and alternative number to reach Piedmont Recover is XXXX XXXX XXXX XXXX. For more information from Piedmont Recovery speak with XXXX XXXX the supervisor Manager according to XXXX XXXX XXXX 
XXXX Account Ref # XXXX according to Piedmont Recovery this was open on XXXX/XXXX/XXXX, but account was prior to XXXX, Piedmont Recovery Ref # XXXX.
Consumer complaint received 2024-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always pay my bills on time, so Im not sure why this company is listing me as late for some months. According to USC 1666b, any errors should be corrected, and my account should be updated to " paid as agreed. ''
Consumer complaint received 2015-10-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENCORE CAPITAL GROUP INC. (OR)

I am at the end of my short sale on my home. It is owned by XXXX but is a XXXX Loan, it was submitted through XXXX and has been approved. I have several other liens on the property and although multiple attempts have been made and it has been made clear that this is a XXXX loan and they are not giving anything to the Judgement liens on the property, I and the agent along with the real estate broker have been able to put some money together and pay some of the judgements in an attempt to settle for less then the original amount, however, XXXX Midland Funding or XXXX is not willing to take a penny less then the full amount plus accruing interest. The XXXX position is not getting the full amount, hence the need for a short sale, traditionally they dictate the jr lien payoffs. I do n't know what else to do to get this passed through and my agent has run into a dead end. We have to close the sale by XXXX XXXX and I am out of options.
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is reporting inaccurate information on my credit file in association with an account with XXXX and is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining XXXX ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '', if I agreed to pay a one time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my Equifax credit report. My equifax credit file is reporting, " account paid for less than full balance '', " charge-off '' and late payments. All three indicate a recourse as to a deficiency on loan. As per the enclosed agreement, any and all derogatory comments from my credit file associated with this account are to be removed since all three constitute a recourse as to a deficiency on the loan.
Consumer complaint received 2016-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Opened an account with Huntington National Bank this year. liked the sunday hours. foolishly took XXXX bad checks from a scammer promising a loan, totalling more than XXXX. which was charged to me once they were n't honored. XXXX Police have a report. Huntington put account under review. then today said bank is closing account. Real sympathetic, huh? Problem is my paycheck from XXXX XXXX was to deposit today. They told me I had a XXXX balance. and check would be sent back. in 2 or 3 business days. at which point employer could reissue paper check. that could take next all of next week. Meantime I have no money, no gas and I need groceries. I want my money. I do n't have any other money. I 'd get a payday loan, but I made a typo on account number at XXXX, and that got held up. ARGGGGH.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (MD)

I have reach to the company, Carmax Auto Finance on several times letting them know about the reporting of incorrect information they have shared with all credit bureaus. Under 15 U.S Code 1681 ( a ) late payments reports to your consumer report is illegal. They been reporting every month since XX/XX/year>- XXXX, I have proof that the account has been PAANL ( paid as agreed never late. I would greatly appreciate if your company can help resolve this issue with this matter soon
Consumer complaint received 2015-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (TN)

I received a letter on XXXX XXXX, 2015 from Convergent Outsourcing to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. Convergent Outsourcing responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, XXXX, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, XXXX has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; one day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.