davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (PA)

I have files multiple disputes with CURRENT BANK and I stated to them my identity was stolen due to my car being broken into last year and this year I had my information stolen recently while my car was being repaired at a shop. I provided police reports and other evidence to back up my dispute the dates are from XX/XX/2023 to XX/XX/2023 Ive got a letter recently from social security administration stating my account was breached, Ive also provided this information to the company I also provided a letter from the Federal Trade Commission showing a identity theft report. I havent gotten none of my money refunded and I was told no error found during their investigation. All the evidence I provided to the company is valid and it was not Honor please help me.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

I am currently in the dispute process with chime. I have had a negative experience in the past with them where my dispute was wrongfully denied. I have been the victim of fraud where my apartment building never refunded me my deposit after moving out on good terms and I want to make sure that chime does their due diligence and refunds me my money that I am rightfully owed. It seems as if they dont accept anyones disputes and they just let these merchants steal money from their clients. Transaction amount : {$2400.00} Date : XXXX XXXX ( Move-in date ) Date refund expected : XXXX XXXX DISPUTE NUMBER : XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Managers, Inc. (WA)

It currently shows that I owe an alleged debt with Grimm Collections. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector.

On a report of credit that is connected to me, it shows that Grimm Collections has account connected to my personal information that is closed, but continues to increase every month. 

That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. 

This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Consumer complaint received 2022-12-03
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: Lockhart, Morris & Montgomery Inc. (MD)

In accordance to the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (CA)

They are telling the credit agencies that I owe money. I owe nothing. They never brought that to my attention. Their upset because I had to switch banks, because they fraudulently was taking money out ofy account. And I busted them. I tried resolving the issue with them, but no luck. So I changed banks
Consumer complaint received 2019-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting
negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IA)

My fiance and I got a loan through Santander Bank. My fiance has a payee due to her being XXXX and suffering from mental health issues. Her payee has made all of our payments and bills for past 5 or so years, so when she started paying our loan we thought everything would be fine. She stopped making payments 3 months ago and we were never informed, nor were we called, and they claim it was because we had them placed on the no call list, which we did not and how would we be allowed to if that was the primary phone number on the account? The vehicle was repoed yesterday and when we called the bank today the person we spoke with was very rude and kept asking is in rude manner why we thought things were going to be any different if she gave us a chance to regain our vehicle, after she asked that 5 times we finally told her we didn't understand what she wanted us today because everything we said to her was met with the same, " No, now that's what you should of done before we repossessed it, what will you do diffefently? '' Which when we answered she would repeat the same queation! When I finally asked her what she wanted the answer to be, she said that she would be right back and then came back on and told us we would not be allowed to get the vehicle back unless paid in full. We'Ve already paid over {$5000.00} on that vehicle and just recently had brand new tires placed on it which cost us almost {$1000.00}. Please help us. I can be reached at XXXX
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  - {$13000.00} ; XXXX XXXX - {$310.00} ; XXXX XXXX XXXX - {$830.00}, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-10-19
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. (FL)

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX - misreporting on Equifax Additionally, I have informed the credit bureaus ( Equifax and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USAwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Consumer complaint received 2019-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation (CA)

This company has never responded to the original complaint submitted on XX/XX/XXXX via CFPB website. 

This is my second complaint. This company is in violation of the FDCPA ( Fair Debt Collection Practices Act ). I've asked this company to provide the following via and enclosed " Credit Disclosure Statement '' : *Amount of debt purported to be owed *Date debt was charged off *Was the debt ASSIGNED or PURCHASED from a previous creditor *To state the amount of money paid for the ASSIGNMENT or PURCHASE of said debt I have revoked their power of attorney and I do not give them permission to do business as a third party in my commercial affairs yet they keep committing this FRAUDULENT ACT. 

They continue to be in violation of the FDCPA ( Fair Debt Collection Practices Act ) by not providing their verified proof of claim via the " Credit Disclosure Statement '' They have yet to substantiate their claim.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I obtained a mortgage with Countrywide in XXXX. I understand that they were sold to Bank of America. I finances condominium located at XXXX XXXX XXXX XXXX XXXX Apartment XXXX, XXXX XXXX CA XXXX. I was very young and inexperienced. In XXXX I struggle to maintain payments plus HOA fees plus lease on XXXX. My apartment was facing foreclosure. I started receiving dozens of letters and pamphlet in the mail. I choose one individual who ended up taking advantage of me, and I took him in XXXX XXXX small claims court. I won, then he treaked me again by negotiating those astronomical triple fees he imposed, while he filed an appeal. I ended up selling condominium in XX/XX/XXXX, 2 months before 2 year mark owning it. Countrywide overcharged me while I was struggling pay the mortgage. They piled illegal excessive fees on me. While I was behind on my mortgage payments Countrywide deceived me to pay astronomical fees. They inflated these fees. It was a class action against Countrywide filed by FTC in XXXX. I would be part of {$100.00} XXXX recipients, class members, but I haven't received notice because I moved. I was defaulting on my loan while Countrywide imposed inflated fees on me, ordered property inspections and other. While I had delinquency Countrywide was earning huge profits by funneling default related services through subsidiaries that it created solely to generate revenue. Countrywide jerked up cost of fees and services solely to make profit, and demanded from me to have these services while they were not necessary or appropriate while I was trying to keep my home.
Consumer complaint received 2019-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NE)

I informed the company that this account was the result of identity theft. The theft is a close family member of mine and I have chosen not to press charges against them for their crimes against me. Since I have elected not to press charges, I made this company an offer of settlement in exchange for the complete deletion of the tradeline. They advised they would not delete even if I paid.
Consumer complaint received 2019-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (WI)

I fell behind on my mortgage payment from a divorce and financial obligation to care for my XXXX kids with XXXX XXXX   because of medical bills and other cost of living expenses. I contacted my mortgage servicer, Quicken Loans, and applied for a mortgage modification or a application for success. I turned in the paperwork required that they asked for. I have since called them three different times and Quicken has told me to resend my paystubs, my application was with underwriting and I need proof of increased expenses like medical bills. I feel Quicken is making this process longer to make me fall further and further behind in my payments until I give up and Foreclose on my home. I turned to XXXX XXXX XXXX for modification assistance, but afraid that it may be a scam. They told me to pay them XXXX dollars a month for 5 months for their assistance and stop paying my mortgage in that time. 
Please help, XXXX XXXX XXXX.
Consumer complaint received 2019-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (NE)

This company is attempting to collect a debt that I am unfamiliar with. According to my credit report they are collecting a school related debt. The period of time that they are reporting the account opening, I was not attending school. For this reason I am doubt the validity of the information they are attempting to collect. Despite doubting its validity, at this point is more important for me to have the erroneous information removed from my credit report, immediately. I am prepared to offer a settlement of {$980.00} in exchange for a complete deletion from my credit report.
Consumer complaint received 2019-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NE)

This company is attempting to collect a debt I do not know anything about. Within the last week I was made aware of the debt they are trying to collect upon. Although I am not familiar with the debt I am willing to settle it with a payment of {$100.00} in exchange for a complete deletion from my credit report. I have an important transaction I would like to handle ASAP that requires this account to be removed from my credit report. If you do not accept my settlement offer, I demand validation of the debt you seek to collect.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (NJ)

Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - verification through the physical verification of an original signed consumer contract or promptly remove from my credit file to which they have repeatedly replied with XXXX are also in violation of HIPAA : to which I have recently requested documentation of what they recieved from the provider of service in connection with this alleged debt
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OH)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, XXXX U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act several accounts has violated my rights by reporting late payments. 


15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hauge Associates, Inc. (NE)

Nearly a month ago I requested the company either settle a debt I strongly believe does not belong to me or provide documentation to validate the debt they seek to collect. My request can be viewed in complaint XXXX-XXXX. The company provided a narrative of the account but did not provide any documentation to validate the debt. Despite not sending any information to validate the debt, they continued to report the information on my credit report thus violating the FDCPA. Despite not believing the debt belonged to me, I made a generous offer to settle the debt to which the company did not agree to. The company stated they would contact me via mail, however ; I have yet to receive any documents from them.