davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (WV)

I have a collection with Progressive XXXX  thru a Caine and weiner debt collection company. I have not had a vehicle since mind XXXX and started a policy on one through another insurer about XXXX XXXX months ago. 
I have a collection on my report over {$300.00} from them and it does not make sense. They also attempted to verify themselves through email and not a certified letter through the postal system. Their collection tactics included no attempt to write me whenever they bought the debt from progressive so I had no idea it would ever hit my credit reports. I am attempting to buy property and this has set me back mightily and caused financial harm.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (FL)

On ( XXXX ), I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over XXXX  days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

XXXX REPORTED ON MY CREDIT ON XX/XX/year> {$960.00} XXXX REQUEST SOME ADDITIONAL INFORMATION THEY CAN'T PROVIDED THEM AND I CONTACT THEM THEY CLAIM THEY ARE NOT RESPONSIBLE FOR THIS COLLECTION
Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Hi, This is in regards to an envelope I've received today. Any similarities to other cases I've filed is because it's another example of the same misdeed. 

According to the Fair Debt Collection Practices Act ( FDCPA ), envelopes used by debt collectors to send letters to consumers can only include the collector 's business address and no other symbols or language. For example, in 2021, the Third Circuit ruled that including a barcode on a clear window envelope that could reveal the consumer 's internal reference number violated the FDCPA I'm not just making that up. Take a look here : XXXX XXXX XXXX The firm Mullooly Jeffrey Rooney & Flynn LLP ( MJRF ) routinely violates this portion of the FDCPA. I have mentioned this before, and they insist ( contrary to the FDCPA ) that they can violate the law. 

As this is another violation, I am putting another complaint in. 

I would ask the CFPB to consider an enforcement action against this firm. Every time they do something wrong they claim I should not file another complaint for the same issue, even though it's another violation. 

This is a specious argument. I would like to see XXXX XXXX try that argument with a cop. " Sorry officer, I was speeding and ticketed yesterday so I can speed all I want today )
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hillcrest Davidson & Associates (PA)

XX/XX/year> Multiple phone calls and texts, and disguising collection phone number as a member of my household. Calling family members with threatening tone and requests for information. Agency representative made numerous calls and texts after requesting that they stop, was informed by the rep that he did not have to and could call anyone including friends and family as much as he wanted, and used threatening tone with my children for if they would not contact me. 
Was told by rep also that he did not have to stop harassing me at work or on my cell phone, those rules did not apply to this situation. 
Rep name was XXXX XXXX. 
We were also threatened with Negative XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (FL)

XXXX XXXX XXXX XX/XX/XXXX {$460.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00}, XXXX XXXX XXXX  XX/XX/XXXX {$830.00}, XXXX XXXX XXXX XX/XX/XXXX {$870.00}, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} DELETE ALL INQUIRIES AND ACCOUNTS
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (OK)

i pulled my credit and it informed me that i was short selling stocks and outstanding balances and loans i did not authorize. i also filed my taxes and was supposed to get around {$6000.00} back i did not receive instead it was deposited into a roth ira account i dont own.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: DailyPay, Inc (MD)

Dailypay has access to my earned income and will not release it because i am closing my account. My paycheck is being withheld even though i dont owe them any money. Dailypay takes your entire earnings even if you dont owe them any money
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Caine & Weiner, I hope this message finds you well. 

I am writing to formally request a copy of the assignment contract related to the XXXX bill in the amount {$500.00} dollars that was discussed on XX/XX/year>. To ensure that all terms and conditions are clearly understood and agreed upon, I would like to review the formal contract at your earliest convenience. 

Please send the assignment contract to my email address at XXXX and to the physical address provided above. If there are any additional forms or information required from my side to facilitate this request, please let me know, and I will be happy to provide them promptly. 

Thank you for your attention to this matter. I look forward to your response and to moving forward with the assignment. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

Several insurance, financial services companies, an XXXX management company, and an electricity company have pulled my credit without authorization. I have not applied to these companies for electricity services, insurance or credit cards. Isn't this against the law in protecting my personal information? 

Date Company Request Originator Description XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XXXX XXXX, XXXX DISCOVER FINANCIAL Promotional Inquiry XXXX XXXX, XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquir XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL SERVICES Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry XX/XX/XXXX DISCOVER FINANCIAL Promotional Inquiry Name Requested On 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : Account number : NAME : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. 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 Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On r about XX/XX/year> I went to XXXX XXXX XXXX to purchase a vehicle while waiting I noticed my credit had been used but 5r 6 different financing institutions r leanders without my consent an I have a active fraud alert on all three credit reporting agencies.. with pacific instructions that I should be called if any credit is to extended too me.. an I never received one call so there inquiry was unauthorized an each other financial lender had no authority to run my credit .. they violated my consumer rights an the fair credit reporting act .. an I would like to b compensated for each inquiry the some of XXXX $ an would like all hard inquiries removed..
Consumer complaint received 2018-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NY)

I " inherited '' them as my servicer when they purchased the company that held my loan. Green tree and now ditech bought forced insurance on my property, at double the going rate. I have a Co-Op which means the building has its own insurance. After numerous complaints and hiring a attorney, ditech conceded that they made a mistake. Their lawyers admitted that they were wrong and ditech sent me a letter admitting their error. This is after months of them threatening to foreclose my home and ruining my credit rating. Then ditech sent me a bill for an escrow fund which I did n't understand but paid it for the amount of {$4000.00}. I then realized that they use this escrow account to PAY for the forced insurance which they ADMITTED it was incorrect. I telephoned them about this and after speaking with several people they stated that they will " look into it. '' And when you ask them, repeatedly, and nicely as a customer for them to fix their errors they continue to gameplay. Furthermore, they continue to not cashed my past mortgage payments then they add late fees or worse send a foreclosure letter. I 'm also attaching a letter emailed to them.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MI)

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, aconsumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector orcreditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC (NY)

There are XXXX hard inquiries on my credit account that do not belong to me. I live in XXXX XXXX  XXXX and have lived here since XXXX. There are many auto loan inquiries for businesses based in XXXX  ( I do not have a drivers license so I can not obtain an auto loan nor would I need to and I am not based in Texas ) there are other loan inquiries as well that do not belong to me. I do not have any paper work referencing these inquiries or loans as they were not made by me. There is also a rental leasing debt from The XXXX XXXX XXXX XXXX which does not belong to me as I have never rented a full apartment on my own.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANKERS HEALTHCARE GROUP LLC (VA)

On XX/XX/XXXX, I filed a formal complaint with Bankers Healthcare Group, LLC after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized. 
I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system. 
Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION (NV)

Over the span of three months, fraudulent charges totaling {$14000.00} were made on my business account, which I discovered at the beginning of XX/XX/year>. Upon realizing this, I immediately contacted Nevada State Bank to report the fraud. The fraudulent charges began in XX/XX/year>, but during the investigation, it was found that the first fraudulent charge of {$7.00} occurred in XX/XX/year>. Due to this, the bank credited only the {$7.00} from XXXX, citing the 60-day dispute rule, and informed me that the remaining {$14000.00} was outside the allowable dispute window. 

Details of the Charges : The fraudulent charges were all labeled as XXXX XXXX  expenses, which are identical to legitimate charges my business incurs regularly. My business spends between {$24000.00} and {$36000.00} annually on XXXX XXXX, making it nearly impossible to differentiate between legitimate and fraudulent charges due to the identical labeling. 
XX/XX/year> : XXXX fraudulent charges totaling {$660.00} XX/XX/year> : XXXX fraudulent charges totaling {$4400.00}. 
XX/XX/year> : XXXX fraudulent charges totaling {$4900.00}. 
XX/XX/year> : XXXX fraudulent charges totaling {$3700.00}. 

XXXX totaled {$14000.00} from the fraudulent account. I was told I was negligent at not finding them so they would not cover the cost. I have attached two statements. Both look identical to each other. Even the best accountant would not be able to spot the fraud. 

The {$7.00} fraudulent charge from XX/XX/year> was not recognized as fraud at the time because it was labeled in the same manner as our regular XXXX advertising charges. This charge was mistakenly logged as a legitimate business expense by my accountant. 
Actions Taken : As soon as I noticed the fraudulent activity, I reported it to the Nevada State Bank fraud department. I spent hours on the phone with the fraud department, and they concluded that it was indeed fraud. However, they informed me that the only recoverable amount was the {$7.00} charge from XXXX because it was the only one within the 60-day window.

I also contacted my business banking representative, who was very understanding and assured me that she would do everything possible to assist. However, her team ultimately denied the appeal, stating that I should have been more diligent in reviewing my statements.

Outcome : The decision to deny coverage for the {$14000.00} in fraudulent charges due to a {$7.00} charge in XX/XX/year> has been devastating to my small business. The charges were cleverly disguised as legitimate expenses, making it impossible to detect the fraud sooner. Despite the fraud department and my banking representative initially expressing that this should be an easy case to resolve, the final decision has left my business with a significant financial loss.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (VA)

We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from XXXX the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents