davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CA)

LVNV XXXX. XXXX XXXX XXXX, Sc XXXX XXXX : Acct # XXXX ... 

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$670.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was cancelled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

XXXX XXXX
Consumer complaint received 2023-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (AR)

This third party debt collector is the second collector trying to collect a debt not owed and refused to validate the debt is owed by me. I have sent a affidavit notarized and certified mail disputing the debt requesting they provide the contract that binds me to pay a debt, requesting the verification that I a living breathing man signed a contract with my wet ink signature. They have yet to respond and the debt is still on my credit report which they are now not acting in good faith. I have attached the affidavit i sent them. My medical information is private and this attempt is a violation of HIPPA laws
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Waypoint Resource Group, LLC (MN)

XXXX XXXX XXXX acting on behalf of XXXX XXXX reported a XXXX dollar debt to XXXX I had already resolved a debt with XXXX XXXX XXXX  that was collection on XXXX XXXX co behalf a month or two earlier and so I disputed the charge. XXXX reported that the debt was valid so I called XXXX and settled the debt again and paid XXXX on XX/XX/2023. XXXX then reported the debt to XXXX on XX/XX/2023 I Disputed the debt with XXXX and they did not provide a clear response to the dispute. I contacted Waypoint and the confirmed the debt was resolved I took the opportunity to tell them that they never sent me letter reporting the resolution of the debt which I requested at the time of resolution since XXXX seemed to be pulling a fast one me and I felt I needed documentation. XXXX reported that the sent me an email and would send another. they also indicated that the were allowed 45 days for updating debt reports I challenged them that they in fact created a new report after having resolved the debt and they maintained they had 45 days to resolve the situation I have since been pre approved for a mortgage and nearly failed to get approval from another mortgage company due to the XXXX report I reported again to XXXX and XXXX the error Waypoint finally sent me my email conformation but it was dated XX/XX/XXXX as if I had just resolved the debt. At this point I feel XXXX is being purposefully duplicitous and XXXX is being willfully ignorant or unacceptably incompetent and disputing credit reports i have suffered harm in the form of lack of access to preferred credit and even the threat of denial of credit I would like to have this harm addressed and sanctioned.
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (TX)

This debt collector engaged in abusive deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

I purchased something from XXXX XXXX XXXX XXXX XXXX and they offered credit card with promo 12 months deferred interest, I took that offer, now in XX/XX/2023 before those XXXX promotion balances expire I contacted customer care of the bank and made a minimum payment plus entire amount to cover this XXXX promotional balances, I requested to allocate everything I paid on top of minimum payment towards those XXXX promotional balances to pay them off in time to avoid interest rate. They said that they stopped manually allocating payments few months ago its their bank policy, so system will allocate this payment accordingly not to be worry. following month I've received a statement showing my payment and they allocated entire payment towards revolving balance but XXXX towards those expiring promo balances with deferred interest rate, I contacted them again, asking why my payment was allocated or distributed completely wrong and referred to CFPB rule {$1000.00} ( a ) XXXX stated that they should allocated any payments over minimum payment in the last XXXX billing cycles towards those promotional balances, or allocate it manually, they said im right and its a system error that they don't understand how it happened, so the management admitted there is a issue and filed a dispute to their financial department to correct the issue. Fast forward, now Im 2 days before promo balances will expire on XX/XX/2023 and nothing has been done, I called again and they said it can take up to XXXX billing cycles from now to have a result of this dispute, they confirmed that they will XXXX deferred interest over {$700.00} to my account, and if results of dispute shows they are wrong they will credit those money back to me. It looks like bank implemented a system to make it difficult or next to impossible to pay off promotional balances in time so that can collect deferred interest rate. I uploading XXXX statements for XX/XX/2023 and XX/XX/2023, showing my payment and on the last page it shows how the payment been allocated, I highlighted it
Consumer complaint received 2023-11-27
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-07-12
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. (NJ)

this is the complaint for incorrect accounts in Exparian, and XXXX the bureau ignored my complaints. I need this to remove in my file. 

Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (CA)

On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXXXXXX. I deposited the check into my checking account ( XXXX XXXX XXXXXXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX XXXX XXXXXXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX XXXX  XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and Early Warnings.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I am writing to express my utmost dissatisfaction with the recent experience I have had with Mohela. I am a customer with and I have encountered a series of issues that need immediate resolution. 

The problem started when I received a notice from Mohela indicating that my automatic withdrawal was approved. In light of this, I contacted the customer service department to confirm and ensure that the necessary steps were in place to process this transaction correctly for the month of XXXX and was told that it would take effect in XXXX and no payments on my end are needed via manually. Unfortunately, I have faced significant challenges in trying to rectify this situation. 

Over the course of XXXX weeks, I called your customer service line XXXX times, waiting for extended periods on hold, which lasted over XXXX hours during each call. To my dismay, the representatives I spoke with on these occasions not only failed to resolve my issue but also claimed that they had no record of my previous calls. The level of inefficiency and inconsistency in your customer service is truly disappointing. 

Additionally, during XXXX of these calls, I requested a change to my due date in order to accommodate the miscommunication and error that Mohela had caused. Regrettably, I was met with further frustration. After an additional hour on hold, I was informed that my request would not be approved, and my request to escalate the matter were refused. This blatant disregard for my situation is not only unprofessional but also unacceptable, given the circumstances. 

I understand that errors can occur in any organization, but the way these issues have been handled Mohela 's customer service department is nothing short of frustrating and unacceptable. As a customer, I rely on accurate information and efficient support to manage my financial obligations. 

I kindly request that you take immediate action to rectify this situation. I expect the following : An investigation into the handling of my previous calls and the recording of customer interactions. 

Approval of my request to change my due date effective immediately to accommodate the miscommunication caused by Mohela. 

Improved training for your customer service representatives to ensure that such errors are minimized in the future. 

An apology for the inconvenience, frustration, and wasted time I have experienced during this ordeal. 

I urge you to address this matter promptly. If no resolution is reached, I will be forced to escalate this complaint further, including reporting my experience to relevant consumer protection agencies and seeking legal advice. 

I hope we can resolve this issue amicably and avoid any further complications. I look forward to your prompt response to this complaint. Please contact me at [ Your Phone Number ] or [ Your Email Address ] to discuss the resolution of these issues.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMRON PROFESSIONAL SERVICES (NE)

My information was compromised on a XXXX government job website XXXX years ago. Since then I been receiving non stop calls about debts that I owe. But I do n't owe anything. They wo n't stop calling. They state that they are going to turn it over to the state attorney, and I am going to be locked up. They call all my family members, harassing them. I have yet to see anything officially in writing by certified mail. They call me from XXXX, XXXX, XXXX XXXX, XXXX, if not these number change with an automated message. APS is the collection agency I guess. XXXX that calls in regards to account # XXXX. Account number has been associated with a couple of these numbers but different voice messages.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Motor Finance, I am having trouble recognizing an account from you on my credit report. It says I owe a past due debt. Could you please provide me any and all account documents proves the alleged debt as belonging to me. Thank you very much for your time and assistance in the matter.
Consumer complaint received 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Attempted to access the company website multiple times during the week of XX/XX/23 to view my mortgage loan and make my monthly payment but their website is not working. On XX/XX/23, I attempted to call the company but the phone number is no longer working. As of this e-mail there has been no communication from the company advising of any issues. It is unknown if this company is still in business or what is happening with my mortgage. 

Also, the company never sent out an Escrow Analysis Statement for this year explaining an increase in my mortgage payment which I know they are legally obligated to do. My payment increase goes into effect on my XX/XX/23 payment but again, no statement received explaining this increase.
Consumer complaint received 2022-11-08
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)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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  XX/XX/XXXX
Consumer complaint received 2017-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Credit & Finance, Inc. (WI)

Two weeks ago I had sent a letter  of VALIDATION to Atlantic Credit & Finance Incorporated . Prior to the letter of Validation, I sought out verification first and did n't receive any, instead today I received a letter with an old billing statement from the original creditor about the debt I owe. I know that I owed the Original creditor, but as  for Atlantic Credit & Finance Incorporated, I w anted VALIDATION that I owed the debt to them as in I wanted a signature of mine consenting to their company to collect this debt. I just only received VERIFICATION of said debt in the form of an old billing statement.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (GA)

I received my refund check in the mail because I mistakenly used the wrong account number which was linked to a XXXXXXXX XXXX  card. It being a temporary card it didnt go through, so the check was sent back to the IRS for them to mail the check to me. Once I received the check in the mail, instead of paying a check cashing place I insisted to deposit the check in my bank account which is Regions bank.

When I gave the check to the teller, she then told me I would have to wait 1 business day then the funds would be available. Never did she say not once that it will be a 7-8 day hold. I deposited the check on XX/XX/2023 and the amount was {$5300.00}. I am not able to get out any funds and i am not able to pay any bills Ive never had to go through this it is very inconvenient and unprofessional with no communication on what I need to bring in to get my funds released.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc. (MI)

At XXXX XXXX XXXX XXXX ARS called my brother on his personal cell phone looking for me. That cell phone is not linked to me at all and the only connection is the last name. As far as I'm aware it is illegal for ARS to contact or even threaten to contact friends and family to try to collect on a debt.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax is reporting inaccurate and false information on my report.The account in question has fraudulent charges, wrong balances, and dates. I decided to settle the account despite the charges but the account remains reporting as if I own it and with the invalid charges.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Byrider Franchising, LLC (TN)

I took out a loan with cnac for a XXXX XXXX XXXX XXXX, which now is under recall with NO KNOWN repair solution at this time. Due to this no insurance company will cover my vehicle, and CNAC requires full coverage insurance. I had a current policy with XXXX XXXX and when it was time to renew policy was denied coverage. I requested an exception, even acknowledging that I would have to pay more for high risk, but was denied. I called CNAC and asked about picking up their insurance and was told I could add collision protection but would still need to have state insurance coverage. So I requested a payoff amount in order to try to get loan to pay off in order to not default my contract agreement of insurance coverage. The amount was more than my app even stated my total loan amount was. I requested to XXXX that they swap me vehicles that is insurable and was told that I could come start a new loan agreement but all I've pd in past is null. They would only give me XXXX in trade in value and I owe {$10.00}, XXXX. This vehicle is for my ex wife, whom is on XXXX  and I am her rep payee. She barely makes enough to pay her payments and at times I pick up her insurance premiums. She doesn't have funds to just start over with a different vehicle, nor funds to be penalized by state for not carrying insurance on a car that is being financed, by cnac for defaulting on contract by not carrying insurance or because she pays it off early just to get out of contract. Considering the fact that the XXXX isn't legally able to be used on the street and due to no fault of her own, she is unable to utilize the product of which she purchased. CNAC basically said to make sure she makes her next payment but their is nothing they will do to help resolve the issue. Would it be possible to cut the added interest and fees and only pay the vehicle purchase amount in order to help her get out of the contract deal. She shouldn't be stuck with a noninsurable vehicle yet be held for the fees and interests of the future of the loan. What can she do? Should this be a XXXX issue or CNAC?
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00}