davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA ZIP XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

I have previously disputed the account in question on XXXX separate occasions, yet each investigation has resulted in the account being verified. Despite these verifications, I have not been provided with a detailed description of the investigation process, as required by law. 

Moreover, I have filed a complaint with the Federal Trade Commission ( FTC ) because this account only appears on my Equifax report and not on the reports from the other credit bureaus. This discrepancy raises serious concerns about the accuracy and reliability of the information being reported. 

This letter serves as a final warning. If my rights continue to be violated and I do not receive the required documentation and resolution, I will take further legal action to protect my consumer rights. 

Below are the details of the disputed account : Creditor Name : XXXX Account Number XXXX EQUIFAX
Consumer complaint received 2024-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (GA)

No correspondence including collection letter stating my right to dispute collections was received. No phone call and no letters has been received by any mail service. 

I am writing to request validation of a debt that you have reported on my credit report. I do not have an account number for this debt, as I have never received any correspondence from your agency. However, I am providing the following information to help you locate the account : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please provide the following information : 1. The name and address of the original creditor.

2. The original account number, if available.

3. The amount of the debt.

4. An itemized statement of the charges and payments.

5. Proof that you have the legal right to collect this debt.

According to the Fair Debt Collection Practices Act, you are required to provide this information. Please note that this is not an acknowledgment or acceptance of the debt. A copy of this letter will be sent via certified mail to the address listed on my credit report as well as all three credit reporting agencies.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TX)

I am writing to file a formal complaint regarding fraudulent activities that have taken place involving my ex-fiance. On XX/XX/year>, I discovered unauthorized accounts and transactions on my credit report from your company, which I believe are a result of fraudulent actions by my ex-fiance. 

Furthermore, I would like to bring to your attention that Ive been a victim of Identity theft and my driver 's license was stolen at XXXX XXXX XXXX XXXX. This incident has added to the complexity of the fraudulent activities that have affected my financial well-being. 

I have already involved the local law enforcement authorities and am fully committed to prosecuting anyone found to be involved in these fraudulent activities on my credit report. 

I kindly request your urgent assistance in investigating this matter and taking appropriate actions to rectify the fraudulent accounts and transactions on my credit report.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

Between XX/XX/XXXX - XX/XX/XXXX a collection agency named L J ROSS ASSOCIATES added a collection account to my credit report I was never notified by mail by this company at all just appeared on my credit report randomly .... 

XX/XX/XXXX I wrote a letter requesting the following info from L J ROSS ASSOCIATES : " 1 ) Complete payment history, the requirement which has been established by Spears v. Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509.Please provide the verification by line item ( with an explanation of each Item, such as when the purchase took place, how much the item was, were the goods received, when the goods were received, etc. ) for the entire amount you claim I owe, obtained directly from the Original Creditor. 
2 ) Date of Last Activity 3 ) My FULL, COMPLETE, and CORRECT social security number that may help identify me as the correct person you are trying to collect from.

4 ) Agreement that bears the signature of the alleged debtor, wherein that person agreed to pay the original creditor.

5 ) The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

6 ) Proof of photo identification ( i.e., driver & # XXXX ; s license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
7 ) Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v. Arrow Financial Services, 302CV577, 2002, WL 32173704 ( D.Conn, Oct 29, 2002 ) - information relating to the purchase of bad debt is not proprietary or burdensome. Debtor must phrase clearly to obtain : The source of debt and the amount the bad debt buyer paid for plaintiff & # XXXX ; s debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect debt. 
8 ) Proof that this debt has not been written off as a tax liability.

9 ) Any other intimate knowledge of the creation of the debt by you, the collection agency. '' Never received a response therefore I sent a letter XX/XX/XXXX stating " As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. '' No response and it is still reporting on my credit report
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (GA)

This company has been charging late fees with every payment for months! Even when payments are not late. I had a 30 day late reported to credit when I was only 2 days late ( XXXX and XX/XX/2024 ) and Honda told me that they couldnt remove it once it was submitted to credit bureau, which I know is untrue and said because I had previous lates last year they wouldnt give me grace on any late days. I have also been paying one or two extra payments a month to help pay off quicker. They told me that if i did not like it to file a compliant. I have spoke with three different people over the phone and neither of them seemed to really help me or give me any real information as to why they are reporting to credit now. I am applying for a loan to purchase a house. I explained to them that I would love a Grace period as I am paying this loan off on XX/XX/2024 and I do not need this on my credit, especially since this is not of my fault. they then said they could not help me!
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (MI)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX . Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"
Consumer complaint received 2024-06-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

XX/XX/2024 Sent XXXX XXXX XXXX letter disputing validity of the account and that i was not liable for this debt. 

Between XX/XX/2024 - XX/XX/2024 XXXX XXXX XXXX Removed collection from my credit report Between XX/XX/2024 - XX/XX/2024 XXXX XXXX XXXX re-added the collection on my credit report under a different name, Columbia Debt Recovery LLC. 

I addressed XXXX XXXX XXXX Columbia Debt Recovery LLC XXXX XXXX and All business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 and XX/XX/2024 I sent letters stating " As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. '' No response and this is still on my credit report
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (VA)

I am filing this complaint in regards to a credit card issued to me by Navy Federal Credit Union. The complaint I have is that they have been charging me an above 6 % interest rate. I am protected as an XXXX XXXX XXXX XXXX enlisted in XXXX  from these interest rates by state law listed below : XXXXXXXX XXXX Laws Revised Statutes XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Limits on creditor interest rates Universal Citation : XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court may XXXX a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  eff. XX/XX/XXXX. 


Following this legislature is the credit card, current interest rate, current balance, and issued date : XXXX XXXX XXXX XXXX : Current Interest 16.24 %, Current Balance {$22000.00} ; Issued XX/XX/XXXX. 

I have frozen the Navy Federal credit card to make above minimum payments in advance of due dates.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

I would like to file a complaint against Jefferson Capital Systems , LLC a debt collection agency located in XXXX, MN. Sometime in XXXX I received a letter from them regarding a debt that I don't owe and have disputed for years. The letter asked how I wanted to respond & that I had to upto XX/XX/XXXX to dispute the debt, which I did. On XX/XX/2024 I received a notification from my credit monitoring that a new account had been reported to my credit by Jefferson Capital and I immediately called them. I voiced my concerns & asked why this debt had been reported to my Credit Report without being validated as I had sent them a letter stating I didn't owe the debt. The reps I talked to stated they had received my correspondence but it hadn't been processed yet. I asked why would they report the debt to my credit without processing my correspondence. I was transferred to a different dept. At XXXX point I asked to speak to a supervisor and was transferred to a rep outside the XXXX, only to be told the rep couldn't access my account as it was a XXXX Account & was transferred back to the XXXX person in the XXXX who I proceeded to explain what was going on & asked why this account was reported to my credit account for the fifth time. This individual again confirmed that they had received my correspondence, but it hadn't been processed yet, when I further pressed & asked why they had reported the account to credit bureaus if they hadn't processed my letter & validated the debt, he stated that they still Report the account regardless of whether XXXX says they don't owe they debt, but they report it as a disputed account. At this point I knew the company was lieing & playing games with me because if they hadn't processed my letter, how did they know the account was disputed for them to report it as such. I don't owe this debt & I would like to file a complaint against this company for not only reporting a disputed account to the credit bureaus but also for continuing to try and collect the debt on the phone after I made it clear severally that I don't owe the said debt.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (FL)

On XX/XX/2023, i mailed a certified debt validation letter to MRS BPO LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX via certified mail. The letter was delivered on XX/XX/2023. The tracking history and number is attached. MRS BPO LLC has not responded or mailed any proof of verification that I owe a creditor. If any, MRS BPO LLC failed to explain the alleged debt, show any actual transactions, or the like. 

I requested the following : what the money you say I owe is for ; explain and show me how you calculated what you say I owe ; provide me with copies of any papers that show I agreed to pay what you say I owe ; provide a verification or copy of any judgment if applicable ; identify the original creditor and agent that logged the alleged transaction. prove the Statute of Limitations has not expired on this account ; show me that you are licensed to collect in my state ; and provide me with your license numbers and Registered Agent. Furthermore, a complete payment history, starting with the original creditor. ( I need to have proof of my payment history with the original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees. ) As of today, MRS BPO LLC has failed to respond to my debt validation request.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

My mortgage company was switch three months ago to Nationstar Mortgage and I never received up to date statement. I try calling them, every time I call they telling me that they will male it. Even I made my payment for XXXX 2015, I just received letter today that they did not received my payment!!!!!!!!!!!!! Worst experience ever.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Citibank has blocked my account and I can't access my funds! I need to pay my bills and everytime I call them, they do nothing! This should be illegal, my account is apparently under review but it's been 2 weeks. I need my money. Please help me!
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

PLEASE VIEW ALL SUPPORTING DOCUMENTS ATTACHED TO COMPLAINT I received a letter from Jefferson Capital stating that I allegedly owed them a debt. Confused on the debt that they were referring to I immediately sent them a debt validation letter on XX/XX/2024 via certified mail. I received notification that Jefferson Capital received my debt validation letter on XX/XX/2024 with a signature as proof. While anticipating a response ( which I never received ) from Jefferson Capital, I received several notifications on XX/XX/2024 and XX/XX/2024 from my credit monitoring sites stating that an account has been placed in collections in my name and is now reflecting on my credit report, when I looked to see what the account is I see it is an account from Jefferson Capital. 

Not only did I send a letter requesting for debt validation I also continued to exercise my rights and demanded that Jefferson Capital cease and desist any and all collection efforts of this alleged debt immediately. 

Jefferson Capital failed to validate the alleged debt that they claim that I owe, and Jefferson Capital failed to cease any and all collection efforts of this alleged debt, and continued collection efforts by reporting this alleged debt to my credit AFTER I requested validation of the debt and demanded that all collection efforts be ceased.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I had received and email from XXXX XXXX about an account being sent to collections with instructions to respond by XXXX. I had responded on XXXX just like the email said in the subject line " Dispute '' with the associated reference number. Attached to the email was a debt verification request and dispute of debt letter. The original email said that as long as they received, telephonic, written or electronic communication by the established date they would not submit to the various credit bureaus without first verifying the debt and that could take 30 days. I have never received a response to my initial verification request yet today my credit has been negativity effected even though I did what I was initially asked. I sent another email asking why this has happened and still haven't received a response.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (FL)

Dear Self/South State Bank It has come to our attention that you have been using our copyrighted material without authorization. As the owner of the copyright, we take this matter very seriously and demand that you cease and desist all unauthorized use of our copyrighted material immediately. 

We understand that errors or misunderstandings can occur, but we must insist that you rectify this situation promptly. Failure to do so may result in further legal action being taken against you.

We are willing to discuss a resolution to this matter, but it is imperative that you contact us as soon as possible to address this issue. We value our intellectual property rights and will take all necessary steps to protect them. 

Please respond to this letter in writing within 30 days to confirm that you have ceased using our copyrighted material and to discuss a potential resolution. 

Thank you for your prompt attention to this matter. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (PA)

My account with BMG MONEY was never late! I have had exceptional payment history witH BMG MONEY and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

BMG MONEY Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports