davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
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. (NC)

CFPB XXXX I XXXX XXXX XXXX state this letter is a second request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful  search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. XXXX ( XXXX XXXX. XXXX ). The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Consumer complaint received 2024-10-28
Product: Credit reporting 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)

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on multiple accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed payments on the following accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports. 

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Consumer complaint received 2017-06-10
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MD)

This Attorney a nd Wells Fargo have  violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has  gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to   cease and desist ALL collection activity until validation of the original note is provided.  <P/>  This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd  request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/>   I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains.
3. Provide details how the alleged debt was calculated.
4    . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt.
6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust.
7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ).
8. Provide evidence that you are licensed to collect in my state.
9. Provide your license numbers and the Alleged Lender 's Registered Agent.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (SC)

I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MD)

I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.
Consumer complaint received 2017-06-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Associates Loan Servicing LLC (NC)

In    2013  I considered taking a course at  XXXX   XXXX   College  online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections.
Consumer complaint received 2017-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (DE)

On  XXXX   XXXX , I called and requested to have my wife 's credit card replaced. Specifically asking not to have mine shut down because that is a huge inconvenience. The rep was refusing to assist me with this specific issue. She was rude, over talked me, kept repeating herself and refused to escalate the phone call per my request. I disconnected after she refused to assist and reached a different rep, where I was assured my wife 's card only would be replaced.     Subsequently, my wife had my card, and only my card when she was out of town on  XXXX   XXXX . While she was trying to purchase gas to get back home the card was declined. My wife had to ask a stranger for money to get back home. Extremely embarrassing and humiliating, especially when we are successful hard working people and I was assured my card would not be closed. My wife came home late and did not tell me this situation until later in the day,  XXXX   XXXX . Prior to finding out this information, I went to   XXXX   this morning to make a large purchase for my house. I had everything rang up in my cart and when it came time pay, my card was declined. Once again extremely embarrassing. I had to put everything back because that was once again my only and preferred method of payment.     I am extremely disappointed and dissatisfied with the previous service I received.
Consumer complaint received 2016-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Services, Inc. (CO)

They call every day, multiple times per day ( I have my call log save on my phone, so I have proof ). I have now had to block them from calling or messaging, as they call every day while I 'm at work, despite being told and asked multiple times to stop. Now, they just call and do n't say anything, but the calls keep coming.
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,   XXXX   and  XXXX   XXXX  respectively. The attache d medical collections were instantly filed by Overton, Russell, Doerr & Donovan, a law firm located in the state of New  York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows :  1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.      2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the    right report any or all collections previously ordered paid.   In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  Overton Russell Doerr & Donovan for a continuous illegal collection practice ( s ) against  consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center  of Overton Russell Doerr & Donovan alo ng with a permanent injunction against same from this continuous abusive practice.
Consumer complaint received 2017-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (KY)

My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

A great nephew of my wife was murdered  XXXX . When we finally got the wallet after the trial, we found a  XXXX   XXXX  prepaid tax refund card and we were able to determined that there was a little over {$1000.00} in this account. We have been try to cash this card since  XXXX . Note the great nephew only has his mother  ( m y wife 's niece ) and my wife as relatives. The mother is in a  XXXX   XXXX  and my wife has a power of attorney for her. Since  XXXX , we have contacted  XXXX    XXXX    express ten times and have faxed then different information five times. Each time we respond, they would come back and with more information that they needed and we would comply. Finally, we received a letter from t he American Express Resolution Team requ esting forms filed through the court system. In checking with an attorney, we found that it would cost us far more way more then {$1000.00} to do this. American  Express has hindered us at every turn. I guess American Express will  get to keep the money rather then the mother who needs this money to fix her teeth.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (TN)

On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money immediately.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (KS)

I have been lied to numerous times by this company. I lost my job and feel a bit behind. When I was contacted by collections they said I would be put on the Fresh Start program, which was a program, where I paid {$90.00} for 3 months and the account would be re-activated.     When I called in to make my payment, the collections rep said  Well  your account is only behind {$120.00} or some weird amount, and said if I was to pay that my credit line would be unfrozen. I paid that, and the account remained frozen.     Then I was told that if I paid all the collection accounts on my credit bureau, the account would be unfrozen. To date, I have paid every debt I have with the exception of  Discover  Card, who I have been current with for months, but they refuse to unlock my credit line dispute my complying with everything they have asked for me to do to unlock my credit line. I even provided them with copies of the letters from my supposed Bad debts from the data-furnisher themselves, and copy of the certified checks sent to them, but they wont unlock the credit line.     This company has lied me to at leas t seven  times, and their internal collections department will do anything to make you pay more and wont keep up their end of the bargain.     These are a bunch of lying thieves who do nothing more than pray off of sub-prime borrowers.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

Commenity Bank acquired my credit report and no one has any record of it. I did not authorize this Commenity Bank/  XXXX   to pull my information. When I call they have no record of it but its still showing on my credit report. It shows that the inquiry was acquired in  XXXX . I called in  XXXX  and asked to have it removed to no avail and they can not find anything in their records that I even put in the inquiry. Thank you!
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc. (NJ)

I was contacted by my doctor at  XXXX   XXXX   XXXX  for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the  XXXX  with check number  XXXX . They did not contact me again. This was written on  XX/XX/XXXX    and the next time I heard about this was last month when I applied for a car loan. I paid this  XXXX  by phone on Friday  XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (CO)

I spoke with  National Credit Systems  on  XXXX   XXXX ,   XXXX   a t   XXXX   XXXX   (  MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all  XXXX  CRAs on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX   I called all  XXXX  CRAs and none of them had received an electronic communication. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ) I called  National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all  XXXX  CRAs to remove the account from my report. On  XXXX   XXXX ,   XXXX   at  XXXX  ( MST ), I called  XXXX  and was able to have the agent call National Credit  Systems  and  get  a verbal confirmation of removal from them. This has since been removed from my   XXXX   report but not  XXXX  or    XXXX   I would  National Credit S ystems to either respond to the disputes that I have placed with the  XXXX  CRAs or to actually do what they have promised and send the removals over.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have disputed with experian a couple of times, I feel like they 're not properly investigating my dispute. And all they 're sending me every 30 days is a credit report no letter about the informations about investigation of the dispute. I have asked for them numerous of times.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

We applied for a Sams club MasterCard through Synchrony bank on XX/XX/20. They gave us an unusually high interest rate based on an unusually low credit score. We inquired about the score and were told that they took the score directly from the credit reporting agency. When we obtained our score from the agency, it was 169 points higher than the number Synchrony claimed that they were given. 

In a letter dated XX/XX/20, Synchrony reversed their story and claimed that the score used was correct because they used a proprietary score and that the score was in fact correct. There is obviously nothing on a credit report that would cause a score to drop 169 points below that reported by the professional reporting agencies. Synchrony is obviously using fraudulent scores to gouge customers with high interest rates.
Consumer complaint received 2017-06-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America (DC)

We received a notice dated  XXXX   XXXX  from Financial Corporation of America alleging a medical debt. We responded  XXXX   XXXX  citing subsecti on 809 b of the F air Debt Collection Practices Act with a request that FCOA cease activities to collect this debt until they provide documentary verification of the debt. Thus far, we have received no documentation. However, we received a second notice from  FCOA reg arding this debt, dated  XXXX   XXXX ,  2017 . We understand this second communication to constitute a viola tion of the Act.   The account number in question is  XXXX .