davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

VALIDATION AND CEASE AND DESIST National Credit Systems XXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear ( XXXX XXXX  ) 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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 XXXX I dispute that I owe this debt to you. Should you transfer this debt to another XXXX, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2016-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc. (OK)

I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying.
Consumer complaint received 2023-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grain Technology, Inc. (NY)

I am writing to file a formal complaint against Grain regarding inaccurate information that has been reported to the credit bureaus, causing significant damage to my credit history. Despite my repeated attempts to rectify the situation, Grain has failed to address the errors and has not taken appropriate action to correct my credit report. 

The issues I have encountered with Grain began when their mobile application prevented me from logging in, leading to the reporting of late payments. Despite my persistent efforts to contact Grain and resolve the matter, I was unable to reach anyone for assistance. It took over four months before I was provided with a link to make a payment, only to discover that my XXXX debit card was not accepted. Consequently, I had to rely on my daughter to make the payment for the amount Grain claimed I owed. 

To my dismay, Grain unexpectedly refunded the payment made by my daughter, stating it was an error on their part. I have sent multiple letters to dispute the late marks on my credit, but each time Grain has verified them without making any corrections to their errors. I have included the email correspondence between myself and Grain as evidence, which clearly demonstrates the prolonged response times and Grain 's failure to address the inaccuracies in their reporting. 

I firmly believe that Grain 's inaccurate reporting and their subsequent failure to rectify the situation have significantly impacted my credit history. As a responsible consumer, I have always been committed to maintaining a positive credit record, and Grain 's actions have unjustly tarnished my financial standing.
Consumer complaint received 2023-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recently seen these on my credit report. i did not authorize these. I reached out to all these company 's and they still will not remove them. i want them removed off of my credit report CAPITALONE XX/XX/XXXX XXXX CAPITAL ONE XXXX XXXX, VA XXXX CAP ONE AF XX/XX/XXXX XXXX CAPITAL ONE XXXX XXXX, VA XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX CAP ONE AF XX/XX/XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CAPITAL ONE XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

We recently requested that Santander Bank ( our mortgage holder ) would suspend the escrow account requirement for property taxes on our mortgage loan. At the time of our signing, we were told we could apply for such a waiver in 2 years after good standing on our loan. When we applied for the waiver in due time, we were informed of a fee of XXXX of our mortgage balance equaling {$460.00}. This fee is unexplained, inappropriate and unfair. At no time at our signing or in our phone conversations with the bank was such a fee described or explained.
Consumer complaint received 2017-11-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (NC)

I am having 2 issues with a company called MRS associates. 

1. They are making repeated calls to my cellular number but when i answer the call they disconnect. I know it is them only because when i call back they have an automated answer telling me who it is. 

2. When I call back MRS associates will not tell me what debt they are trying to collect or give me any information unless I answer a litany of their questions to " confirm '' information they claim to already have. Since I do not know who these people are or what their scam is I have refused to provide them any information about me. In turn they refuse to tell me what debt they are collecting and they also continue to call. They insist that they have my address and ask me to " confirm it '' but they have yet to send me anything in writing.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

I signed up for XXXX XXXX so I could lock/unlock my credit report from Equifax by pressing one button on their website. I had to unfreeze my credit via mail, which was confirmed by Equifax on XXXX XXXX. I tested the ability to unlock the report on XXXX XXXX and re-locked it on XXXX XXXX. 

The next week I planned to unlock all three credit bureau reports so I could get new auto insurance. I tried to unlock my credit using the button again the next week on XXXX XXXX. Instead of unlocking the report, the Credit Lock Status showed as " Status : An error has occurred. Please contact customer support ''. 

Since then, I have emailed Equifax multiple times, and called both Equifax and XXXX XXXX well into double digit times. XXXX XXXX  kept sending me to Equifax 's freeze department to confirm I did not have a freeze on my account. I have talked with Equifax 's freeze department three times and confirmed three times my credit was unfrozen on XXXX XXXX. 

On XXXX XXXX, a XXXX XXXX rep took my information so that their IT department could fix the error is 2-5 days. There has been no fix. On XXXX XXXX, another XXXX XXXX rep told me she escalated the issue and the error would be resolved in 24 to 48 hours. The error is still present today. 

I keep getting told either they can not do anything, to call the freeze department again, or that they will " escalate '' it and get it fixed only for nothing to happen. I can not get auto insurance as a result even though I really need to switch my insurance.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an email for 0 % interest on balance transfers for 18 months with my capital one venture one credit card. I filled out info and did the transfer in XX/XX/XXXX but when i received my XX/XX/XXXX statement i was charged 16 % interest. I called the customer service line on XX/XX/XXXX and was told that it should be no interest on the next statement but for this billing cycle i have to pay the interest charge even though its supposed to be 0 %.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (IN)

I was originally contacted over the phone by XXXX XXXX to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (KS)

Last month, I had informed them that their billing procedures violate the Federal CARD Act, to which they replied that they are following all procedures and they credited my account for the overcharged interest. This was fine. 

Now, I 'm guessing in retaliation, they added nearly {$1000.00} in " purchases '' at an extremely high APR, while I made less than {$100.00} in purchases. 

On top of that, they used nearly everything I paid was allocated to the lowest APR on the card, while barely touching any of the higher APR, and not a single penny towards the highest APR, which is a complete and direct violation of XXXX : Allocation of Payments, exactly what I had informed them of previously. 

I have communicated this with them yet again that they are blatantly disregarding the CARD Act that was implemented on X/XX/2010 and gave precise examples, but this time I was ignored. I 'm sure I am not the only one they are taking advantage of, but I 'm not going to sit there and continue to pay them for breaking the law.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Terrill Outsourcing Group (IN)

I was originally contacted over the phone by XXXX XXXX  to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.
Consumer complaint received 2017-11-27
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: ALLY FINANCIAL INC. (IL)

On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

In response to my compliant number XXXX dated XX/XX/XXXX re : not being able to access my accounts online with CapitalOne without first submitting my income, the matter was resolved ( thank you ) by CapitalOne advising that typing XXXX would circumvent the need to include my income. 

On XX/XX/XXXX, I received a letter from CapitalOne advising that because I was not " ..using a significant portion of the Credit line on your account,,, '', they were reducing my credit line in 1/2 to @ {$10000.00}. 

I 've had this credit card since XX/XX/XXXX and I have a checking, and savings account. They never tried to lower my credit limit prior to their XX/XX/XXXX letter. It just seems like more than just a coincidence that after my compliant, my credit availability was reduced but never before. 

I believe, as a result, my credit score ( as reported on CapitalOne 's credit monitoring service ) has decreased from XXXX to XXXX. The reasons given was a decrease in my credit use availability. The 50 % decrease in credit availability would cause the % 's to increase. Less credit available with same credit usage would result in a higher credit usage percentage. 

BTW, I pay my balance each month in full. 

All i am asking is to increase my credit limit to what it was before my complaint to the CFPB. I believe what Capital One is trying to backdoor the resolution by CPFB - when I ask my credit to be increased, they 'll require my salary be disclosed. 

Thank you.
Consumer complaint received 2024-09-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lela Mae Portfolio Management Group (MA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference ID : XXXX Original Account Number : XXXX Balance Due : {$1100.00} I have been harassed via email on this debt I know nothing about. 
Even after my request to verify/validate the debt, this debt collector has not responded. 
Below is an excerpt of the many email communication received, " This is our final notice regarding your XXXX account. We have attempted to contact you more than XXXX times over the past 60 days without receiving a response. 
Once your account is closed, the 50 % settlement offer and payment plan option will be void, and the full balance will be pursued. 
This is your final opportunity to arrange a payment plan or settlement before we close your account : Pay Online or Set Up a Plan : Click Here Payment ID : XXXX If you can not pay the settlement in full today, your only option is to " decline the settlement offer '' and arrange payments for the full balance. 
Regards, XXXX XXXX Lela Mae Portfolio Management Group XXXX ( XXXX ) XXXX ''
Consumer complaint received 2017-11-27
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. (NJ)

on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.