davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

AMCA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, NY XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMCAor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Consumer complaint received 2016-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I had a billing dispute with XXXX that they refused to correct so out of frustration I paid the bill of {$1500.00}. XXXX subsequently turned this item to a collection agency despite it being paid. I have called XXXX repeatedly and Diversified Consultants, a collection Agency. I even supplied proof of payment i.e. cancelled check and they still reported this item as past due to XXXX. Subsequently I contacted XXXX and they continue to be unresponsive yet my credit rating has been seriously impacted.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items.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
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. This amount is from two fraudulent orders for Apple products which I have no use or need for. Prior to these orders, a request to close XXXX account was made but ignored. XXXX conveniently has no record of my request and has requested numerous affidavits which I will not send in, previous ones were mailed in with nothing done. Please note, there is no proof of delivery for either order, only a signature signed as XXXX, which I never and have never signed my name like this, this is fraud. Also, I have not ordered anything from this company since on or around XX/XX/XXXX, these orders were placed in XX/XX/XXXX, over a year since last order. They claim to have " thoroughly investigated '' the orders which merely consists of verifying billing and shipping address, which obviously match. If they did not match then orders would not be processed and shipped out, which is obvious. In closing, please advise Schlee and Stillman to remove account from collection and credit bureaus, if reported. They have not provided any proof I received these orders or even placed them. I also wish to reiterate I requested account be closed prior and failed to do so.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (IL)

SLS ( Specialized Loan Servicing ) is a fraudulent mortgage company that is trying to foreclose on my home. I have sent documents ( per the company 's request ) on 3 separate occasions. Each time I send the requested information ( RMA, check stubs, XXXX, hardship letter, homeowners declaration page, XXXX then call for a status of my application I get a customer service representative that reviews my documents and ALLEGEDLY finds something else wrong. I highly disappointed and deeply saddened by the practices of this company. I have repeatedly sent paperwork that is not accepted by this company, although it is everything they have asked me to send. PLEASE HELP! 
This company is playing a maze game without an out! 
My property address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX LOAN NUMBER XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing ( SLS ). Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and has repeatedly requested duplicate information. In example, I submitted requested pay stubs for a non-borrower on XXXX XXXX, XXXX via email ; however, SLS again requested the non-borrower 's pay stubs on a letter dated XXXX XXXX, XXXX. Moreover, SLS requested income information for me, although the RMA submitted and various documentation illustrated that I was unemployed and not receiving any form of income. SLS has failed to process my application in a timely manner. SLS has also required to submit unnecessary duplicate information. In fact, SLS initially closed my application as a direct result of their own errors. 

Furthermore, SLS systems reflect that I have been approved for a workout program, but I receive correspondence that I am missing documentation that was previously submitted.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

XXXXXXXX XXXX XXXX HIRED BY HSN SAYS I OWN XXXX DOLLARS ON A HSN CARD BECAUSE I HAD FLEX PAID AND I ONLY PAID FOR THE CARD CREDIT AND NOT FLEX PAY.I PAID THE DEBT. PAID THE CARD OFF AND AT NO TIME DURING THE PAYMENT SEETTLEMENT WAS I INFORMED THAT THE ACCOUNT CREDIT CARD HAS IS NOT PART OF FLEX PAY FOR PURCHASED. I PURCHASED ITEM WITH THE CARD THAT USE FLEX PAY. I GOT THE CARD SO I CAN USE FLEX PAY. SYNCB WAS THE BANK AT THE TIME AND UPON PAY.ENT OF DEBTi WAS TOLD THAT THE THE CREDIT BUREAUS WOUKD BE NOTIFIED OF THE ZERO BALANCE. 
2. HSN GOT PAID AND CLOSED MY ACCOUNT NOW THEY HIRE XXXX TO COLLECT ON A DEBT THAT WAS PAID. 
3XXXX TELLIBF ME I DIDNT PAID THE FKEX PART ON THE CARD. 
4. I GOT A SETTLEMENT AND WAS NEVER TOLD ANYTHING ABOUT THE HSN CARD NOT BEING PART OF FLEXPAY. THATS WHY I GOT THE CARD TO USE FLEX PAY. 
5. I HAVE A ZERO BAN E THAT HSN REPORTED .NOW HSN WANTS TO COLLE CT ON A CLOSED ACCOUNT.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (FL)

I applied for a loan with Loan Depot XXXX. The process was a nightmare but I have a specific complaint about the loan. Loan Depot sells the loan to a 3rd party. They approved and " funded '' the loan on XXXX XXXX. That is when I started paying interest on the new loan. However they did not pay of the old loans until XXXX XXXX. I was charged duplicate interest for the loans during that period of time. I should not have to pay interest on a new loan until they actually fund the loan and pay off the old loans.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Diversified Consultants, Inc. (IN)

I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital one has placed outdated collection information on my credit report, concerning the Payment protection settlement agreements. I never received compensation for the XXXX account I held with Capital One, concerning the Payment protection add on services. When I notified the previous debt collection company that they were violation of the Settlement agreement administrative proceeding file number XXXX and The FCRA laws by contacting me regarding the debt which arose from not being able to use Payment Protection on the Capital One cards,. I asked the firm who contacted which stated Captial one transferred the debt to them and I asked for information on the transfer process and was not given any information, on how the debt was obtained. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/Capital One then started a lawsuit against me for not paying the debt in Nevada State court when it should have been filed in Nevada Federal Court, concerning the original settlement agreement administrative proceeding file number XXXX and CASE NO. : XXXX. I explained and the debt demonstrated that I was protected under the class action lawsuit, so this should have occurred. The attorney should be sanctioned for not filling the case in Federal Court because it seems they were deliberately trying to hide the fact that I am a class action member and they did not care about the prior settlements XXXX prior settlements. I was told we must go into arbitration in the original terms and conditions and this did not occur as well. case number - XXXX Nevada justice court.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Two things - XXXX failed to honor a travel voucher due to me for a cancelled flight ( then rescheduled flight ) that carried travel insurance. In the meantime, my credit card company failed to cancel my credit card account after I found fraudulent charges on it. XXXX essentially charge my credit card twice for a flight and failed to honor my travel insurance or travel voucher for the rescheduled flight. In total, I was actually due a refund from XXXX. Now there are charges on a credit card that I thought I had cancelled and the credit card company, after receiving all pertinent documentation to this fact, notified the credit bureaus that I am overdue on my credit card payment - on a card that I do n't have and that I had believed in good faith was closed permanently.
Consumer complaint received 2016-01-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XXXX/XXXX/2016 I made a payment in full to Capital One on my secured credit card. The limit on the card is XXXX the balance owed was XXXX. I paid the entire amount. I have never missed a payment and so far as I know I have never had a payment returned. In good faith I went out to use the card and was unable to use it. Upon calling Capital One I was informed that they were holding my funds. At no time in the year that I have had this account have I ever had funds held for verification of payment. XXXX a customer service supervisor at Capital One would do nothing to assist other than to tell me to call them when the bank is open so they can verify the payment has cleared.
Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One placed a Judgment against me in 2011 for a debt I owed. My paycheck was garnished until the debt was satisfied. I have the satisfaction letter from the courts that the debt was paid. Now years later I am being harassed by the company Capital One uses to handle their collections. They claim I never paid the debt and are trying to get me to pay more money to satisfy the debt a second time. I have repeatedly told them that it was already taken care of and they will not listen. I try to call Capital One directly and they transfer me back to the collection company. To make it worse, Capital One is still reporting to the credit bureaus that I owe them money. I have sent numerous disputes to the bureaus to have this corrected and they are violating the Fair Credit Reporting Act by still reporting the balance. 

Please please help so I can move forward with my life!
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I do not now nor have I ever had a credit card with Capital One. They are falsely reporting that I had a XXXX XXXX credit card managed by them. They are reporting a {$750.00} credit limit with a {$2000.00} balance. I have reached out to them over the course of four years to attempt to clear this matter, and they have not acted. Each person assigned to my case ends his/her tenure with Capital One due to their company downsizing, and my dispute has never been resolved. Basically, it seems to come down to they are too big of a company to be held accountable for incorrect reporting.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX 2015, I applied for a Secure Capital One Credit card with a XXXX dollar spending limit. For some reason, it acted as if I applied for a normal credit card and added a hard inquiry on my credit score which is negatively impacting my total overall credit score. I 'm assuming this is based off my of my current credit score, which is why I applied for a secured credit card in the first place. I would like for this to be removed as soon as possible, as I never applied or signed up for a normal Capital One Credit Card. 

Thank you.
Consumer complaint received 2016-10-12
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Oracle Financial Group LLC. (TX)

A XXXX XXXX from Oracle Financial Group called my husband about 10 days ago threatening a summons and lawsuit. I called the number back and spoke with a XXXX XXXX. I advised XXXX XXXX we are in the process of filing Chapter XXXX Bankruptcy. He stated they were closing the case. Today, this XXXX XXXX called again making the same threat about the same payday loan that my husband took out several months ago. In my original conversation with XXXX XXXX, about 10 days ago, I gathered sufficient information to confirm their tactics are designed to frighten a person into paying a debt. We have received no written communication about this debt, which is quite small, and I offered an email address so the communication could be sent to us for review and so that we could pass it on to our attorney. At that point, XXXX XXXX backed out completely stating they were closing the case. Now we get another call today. My husband is XXXX and quite ill. This call frightened him considerably. I am not calling them back, on the instructions of our bankruptcy attorney, but I find their tactics deceitful and dishonest. There is no summons, etc. because they do not even have our correct address. They 're just trying to frighten us into paying them.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

This is an official complaint on BMW Financial Services XXXX XXXX. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX BMW dealership. Upon communication between these two institutions XXXX dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by XXXX XXXX XXXX to BMW Financial was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships XXXX XXXX XXXX & BMW Financial XXXX to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tate and Kirlin Assoc (WA)

I received a settlement offer for a debt XX/XX/XXXX and replied with a written validity request/dispute on XX/XX/XXXX. As of XX/XX/XXXX I learned the debt was sold following my dispute, failing to provide me information within the 30 days.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

I am a victim of Identity theft. Someone open a XXXX XXXX account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for {$1200.00}. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out something out about the account they would contact me. So at this point I was not thinking clearly so I gave her my PO Box number. The next day I get a statement account from AFNI in the mail with this other person name on it. I am not the person they are looking for and I do not want any more mail address to someone else coming to me.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2015-12-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (OR)

Starting on XXXX we began receiving automated calls from EOS-CCA instructing us to call them regarding an outstanding debt. No details were provided in the call, only an XXXX number to call. We have not received any alternate communication with details of the claimed debt. The calls were at least daily until recently when the frequency of calls has fallen to around one per week. Our home number is listed with the FTC Do-not-call list and I do not believe we have any pre-existing business relationship with EOS-CCA. 

From a review of our credit reporting it does not appear EOS-CCA has reported this debt any of the credit agencies.