davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (AL)

A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, Equifax settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


[ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, XXXX, and Equifax, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (SD)

XXXX debt is reported XXXX by AFNI as XXXX seperate debts and again by XXXX XXXX XXXX. XXXX debt is on my credit report XXXX times ( XXXX by same company AFNI ). I do not understand how they can do this! It hurts my credit report by showing I owe more than the actual amount of only {$210.00}. The original creditors of XXXX and XXXX XXXX are the same debt as the company sold and sold all debts to XXXX. It should only be XXXX collection account for {$210.00} showing original creditor as XXXX. Can the XXXX reporting of the same debt be dealt with since it is just incorrect information. I have n't even been contacted by the collection agencies showing on the report just from the original creditor a long time ago. I am not paying the same bill XXXX different times!
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. 

I demand the below accounts deleted from my consumer report immediately : XXXX XXXX XXXX XXXX - CHARGE OFF $ XXXX The reporting of this account is violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. I paid off the vehicle and have the certificate of tittle in my possession proving the vehicle is paid off. I demand complete removal of the account as a charge off and reflect proper paid off comment in full. this has affected greatly my consumer reports and life.
Consumer complaint received 2016-01-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (OR)

I received a letter in the mail stating I owed {$5100.00} for a loss that occurred on XXXX/XXXX/15. The letter is from Afni Subrogation Department and states it is on behalf of XXXX. It states the insured 's name ( which is not mine ). Enclosed is a payment coupon as well as a form to fill out my insurance information. They also list all of the consequences of not responding to this collection. I do not know who this insured person is, nor was there any incidence that involved me on the above date, or any date for that matter. I have never been involved in any matter with XXXX. This is not my debt.
Consumer complaint received 2019-05-23
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. (PA)

I had an outstanding bill of {$130.00} from an XXXX XXXX medical provider. The provider did not update my billing address at the time of service so the bill was sent to the incorrect address. I was not aware of the bill until after the item went to collections with XXXX XXXX XXXX and I received a direct phone call from the collections agency. I paid the bill immediately upon notification and extinguished the debt. 

As a result of XXXX XXXX clerical error I have a collections Derogatory Mark which is negatively impacting my credit score. I disputed the issue with Equifax and all they did was confirm that the debt was mine, which I don't dispute. I dispute the legality of the debt going to collections without being contacted. Equifax left the derogatory mark on my credit report and updated the dates associated with the extinguished debt.
Consumer complaint received 2016-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (GA)

I have a house loan with Central Mortgage Company ( CMC ) in AR. In XXXX XXXX, I had issues with my house & it required work ( major reconstruction ). My insurance company agreed on the construction - work was performed & finished XXXX XXXX. The problem is the CMC is not issuing the check to pay the contractor for the repairs on the house. They are instead sitting on the check in their account making interest - since the insurance company had to cut the check to the mortgage company, myself, and the contractor. Information required from the contractor has been sent in two times to the CMC, yet they want it again. This has been going on since XXXX & now it is XXXX. The contractor is speaking to a lawyer, I am afraid my house will have a lean against it, & I will be sued. This could cause me to be homeless & on the streets, not good for someone XXXX. I keep speaking with CMC customer service & someone in hazard insurance department. They state they need the liability information on my contractor, yet they were sent this information twice & CMC & keep losing it. Further, CMC XXXX, I live in XXXX. There is no reason they need to see his liability insurance, especially since the work is done & the insurance company XXXX only allowed the contractor to work on the house since he was licensed XXXX, insured, & trained. This contractor has done work on the house since XXXX. I need help please.
Consumer complaint received 2021-11-29
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: Experian Information Solutions Inc. (PA)

i have written XXXX XXXX, XXXX, and experian to investigate this account and that it is reporting 100 % accurate and factual... ..each time they write back and say that it is verified as accurate,,, ,how is this so? they did not investigate this account as look at the inaccurate reporting on my credit report that i have attached ... ..it says that it is an open account and it also says that it is a charge off ... how is that possible? it can not be both... .one is reporting 0 months in terms and the other is reporting 0 ... .the comments are way different between bureaus ... ... ..the date of last active are different between bureaus ... ..account type detail is are different between bureaus ... .they are just pencil whipping this and not conducting proper in investigations ... this is just what i see with my untrained eye ... if they are investigating this as they should be they should be catching this right away with their trained professional eyes.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received a piece of mail from American Express with a prequalified offer for the Blue Cash Everyday Card offering me 12 months with a 0.0 % introductory purchase APR as well as 0.0 % APR for balance transfers. I applied for the card and was approved. Upon speaking to a customer service representative I was told that I did NOT have the 0.0 % APR for purchases, and that this offer was never made to me. I called and spoke to ANOTHER customer service representative who informed me that I DID have the 0.0 % intro purchase APR. Having gathered XXXX conflicting answers to my inquiry, I called again and was told that I did not have the 0.0 % purchase APR. Furthermore I was also told that, that offer was not available on the website or anywhere else. Appalled that I had basically just been called a liar by the marketing team, I went on the americanexpress website and quickly found the offer terms for the XXXX Card. If, this promotion is not offered, it should not be promoted on the American Express website, through American Express mail, or on third party websites, i.e. ; XXXX XXXX. This is false and deceptive advertisement. I also asked XXXX, XXXX, XXXX, and XXXX, the XXXX different employees that I spoke with if there was any situation in which the introductory APR would not be available to a customer, a question in which the employees could not answer.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2015-05-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TN)

i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I recently found out that regions bank place an overdraft fees of {$110.00} on XXXX, I called them today to send me my last statement as I never wrote a check or cause any overdraft fee, I closed my account with this bank, but instead of them closing my account they kept it open and then charged me two overdraft fees because I did not have the amount to maintain this account, and to know this is a wicked bank, I was never aware of this until last week when I went to open an account I found out that region falsely my account and place {$110.00} overdraft on my account, not {$1000.00}, not {$5000.00} but a fees that they imposed on me after I requested them to close my account
Consumer complaint received 2015-12-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Resurgent Capital Services L.P. (WA)

Lvnv Funding garnished over {$10000.00} on a debt that was aged out in Washington state and that had gone through a mediation that had a class action lawsuit against and the mediation was thrown out. They sent out a number of threatening letters that appeared as official documents. The company sent out lawsuit paperwork that appeared as more of the bullying attempts and did not bear official seals of filing. Then without any further notice stole the money out of my account without warning.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Received a notice that I requested a new account with Wells Fargo. I did not request the new account. A few days later, via USPS I received a credit card for Wells Fargo and a letter. I took the confirmation letter to the local Wells Fargo banker in XXXX on XXXX XXXX, he spent some time with me trying to determine the status of the account, then told me the account was now on hold. He also gave me some tasks to complete, to get with the local police department ( which I did ) and to contact the Credit Reporting companies ( which I did ) to make them aware of possible identity theft. 

Recently I received a third letter from Wells Fargo about my checking account and thanking me for being a " loyal Wells Fargo customer ''. I took that letter to the local Wells Fargo banker in XXXX. The banker said he thought all was well, because the account was on " hold '', but in a few days I should call the 800 number on the letter and check to be sure. 

I called the 800 number ( XXXX ), was placed on hold, then was told someone would call me back. XXXX of Wells Fargo returned my call, I explained the situation, he said that Wells Fargo could only place the account on " Hold '' and it would be " Frozen '' and then he said he would " close '' the credit card account.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing to demand the immediate deletion of inaccurate and unverified information from my credit report. Despite my previous attempts to resolve this issue, your failure to correct these errors is unacceptable and has caused significant harm to my financial stability, mental health, and overall well-being.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ATTACHED TO THE DISPUTE LETTER IS PROOF THIS IDENTITY THEFT REPORT WAS IN FACT FILED ON IDENTITYTHEFT. GOV WEBSITE AND AN OFFICIAL. XXXX, transunion and XXXX CLAIM THIS IS NOT A REAL REPORT. IT IS A REAL REPORT WITH PROOF! I have uploaded a second identity theft report affidavit that iis IN FACT been filed with an official government website. IDENTITYTHEFT.gov is an official website to report the id theft. I have submitted my document once again. THESE ARE OFFICIAL AND AUTHENTIC REPORTS BEING MADE. Please quit stalling and delaying the process as I am tracking the time length and the FCRA states I have rights to a fair investigation. Please investigate and block the information immediately as it is harming my report and name. I will pursue litigation with damages very soon. The bureaus are now in default of a proper response time of over 30 days. This is another violation..
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I have several outstanding issues that remain unresolved with my PenFed accounts. 
1. My auto loan title thing remains unresolved. I had previously sent the original title as requested by PenFed. Then when they lost that, I sent a copy. They did n't accept a copy so I had to get a duplicate title which they 've now acknowledged receiving but the issue is not yet put to rest. This was the subject of a previous complaint. 

2. My first mortgage loan still has mortgage insurance on it. This was the subject of a previous complaint - PenFed agreed to remove the mortgage insurance once an appraisal came back with a value that put the loan to value ratio below 80 % ... which has been done but I am still being charged MI. 

3. My home equity line of credit application is still in limbo. 

4. I was charged twice for the appraisal. I was promised a refund but this has not yet materialized. 

5. My application for an XXXX XXXX travel points card has not been processed. 

6. My overdraft line of credit is not linked to my checking account rendering it useless.
Consumer complaint received 2015-12-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (IN)

I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.
Consumer complaint received 2015-06-04
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (VA)

I am currently unemployed, due to my current financial situation between XXXX XXXX XXXX XXXX I was assessed {$430.00} in overdraft fees by BBT. I have exhausted all communication with BBT which ends up in me being frustrated. BBT 's Rep 's are not showing any mercy towards my current situation. An unemployed person can not paid back {$430.00} in bank fees.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AL)

I co-sign on a loan with KIA Finance for my son. They initially started off with misrepresentation by telling me if I cosigned for my son for 6 months they would be able to take me off the loan. Later I found out that they could n't take me off and he would have to find someone to refinance the car in his name only. Now over a year later, I contacted my son so he could make a payment of {$310.00} by XXXX/XXXX/XXXX so my credit would not be messed up. I got the amount off of their website in the amount due column. Today I notice that the {$310.00} was paid but it was still showing us {$78.00} past due. It appears they took the {$78.00} out and applied it to a nsf charge that was done on XXXX and another nsf charge that was paid on XXXX/XXXX/XXXX. One of the agents said that whoever put the payment in put it in incorrectly and they can not apply part of the reg payment to nsf charges. I also asked if he owed these charges why did n't they take it out of the payment when he over paid in XXXX and XXXX. I asked if they could reverse the payment so that it will not show past due and they said they could not. They are giving me a credit for {$30.00} and I do appreciate that but it still does not help with the affect this will have on my credit. They told me that they could apply the funds paid any way they wanted to. I explained to them that one of the charges did n't occur until the XXXX of XXXX so we would not have had knowledge of this until the next statement was issued and the other charge should have been took care from the overpayments in XXXX and XXXX. Right now I am trying to get the {$47.00} up so my credit will not have any negative marks on it. I am totally confused at Kia 's misleading business habits. It is very upsetting to pay what their website asked for and find out the funds was mishandled.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-01-27
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: INTERCONTINENTAL CAPITAL GROUP (MD)

I received an official looking letter in a XXXX envelope. It said that my FHA MIP premiums could be reduced effective XX/XX/2015. The following pages were government FHA docs which included the name of the Acting Assistant Secretary for Housing - XXXX ( XXXX XXXX ). I called the number and they were a mortgage lender. They said they were affiliated with the government. 
Fortunately I 've worked in the mortgage industry so I realized at this point that they were trying to get me to refinance my mortgage. They 're only affiliated with the government in the sense that they 're able to provide FHA loans. It 's completely misleading to the consumer who thinks he/she is receiving a reduction in mortgage premiums NOT a standard FHA refinance which could cost thousands and/or add years to they 're mortgages. The way the company ( XXXX XXXX XXXX based in NY ) presents themselves is a scam.