davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear : Transunion, XXXX, and XXXX Date- XX/XX/XXXX RE : Account XXXX To Whom It May Concerns : I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

How did you investigate this account with out any documentation? I contacted the collection agency your rep told me about and they could not validate the debt. This collection agency subsequently removed all information regarding this account from my credit reports. If this incorrect information is not removed from my credit reports, I will file suit against your company.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management Regarding Final Settlement for a Debt Collection I contacted Midland Credit regarding : Account : XXXX XXXX I contacted their offices regarding a settlement for {$300.00} for these accounts apiece. I spoke to XXXX XXXX. He transferred me over to XXXX XXXX. She in detail told me to fax over a handwritten letter indicating to cancel the dispute from a credit agency for which I did on XX/XX/XXXX. I in turn contacted them again on XX/XX/XXXX to follow up. I was told again to re-fax another letter over for which I did. I contacted them again today, and I told the CR that I am in the process of filing Chapter XXXX and was trying to settle these XXXX accounts for {$300.00} apiece. The lady CR said that nothing had been done and to refax another letter again, I told her NO! I had already done what they requested, and still no action. XXXX hit my credit report again, playing games, from XXXX to XXXX. 

I did what they requested for me to do in order to move forward with the final settlement and they are purposely ignoring it and play games on the telephone.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (AK)

Equifax is only offering one year of credit fraud/identify theft protection - basically a trial period, for free. It then auto renews, and charges the consumer for the protection. 

As Equifax is the company that : a ) is responsible for exposing all of our information b ) rendered us vulnerable to credit fraud and identity theft - for life. 
It has now also put itself in the position of being able to *profit* from our need for perpetual protection. 

Worse still, if you use Equifax 's service, you must -in writing- state that you op-out of the arbitration clause, and within 30 days. 

As is now well known, the breech has exposed consumer information such as : social security numbers, bank account and credit card numbers, addresses, mother 's maiden name, drivers license, birthdays, investment accounts, account transaction information ( date, to/from who, amount, etc ), retirement and pensions, estates, medical insurance, XXXX, XXXX, medical records, court cases, legal actions and activities, subscriptions, prescription information and accounts, other licenses, mortgage/rental accounts, auto loans/insurance, student/college loans, driving records, voter information, potential tax return theft/tampering, etc., etc. 

As a side -but related, note, no one has yet discussed the potential for blackmail. How many people -including politicians and policy makers- might be held XXXX by the threat of revelation of some item they do n't want made public? 

The scope and scale of this breech is almost unfathomable. What can be done with all this data is unimaginable. None of the information exposed can be recovered, the damage can only be mitigated. The cost of such mitigation should be born by Equifax. 

A check of current companies that also provide such services has revealed that the cost of such protection currently starts -at min- $ XXXX p/year, per person. That means my husband and I will have to pay about {$500.00} p/yr for protection, for the rest of our lives, and possibly beyond that as it may have unknown/unforeseen impacts on estates. 

As the credibility and long term viability of Equifax may be in question, and Equifax is aggressively seeking to limit consumer 's ability to seek legal redress, Equifax should a ) pay for lifetime credit fraud and identity theft protection and, b XXXX pay for whatever company provides the service to the consumer - not just Equifax 's services and, c ) should completely eliminate the arbitration clause.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  should not be reporting collections/chargeoffs on the XXXX XXXX  XXXX account number XXXX ; XXXX ; XXXX ; XXXX and XXXX and XXXX. Experian and XXXX  should not be reporting collection/chargeoff for account number XXXX. ( Please see pages attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/21, I placed some deposits into the night deposit box at the Bank of American branch at XXXX XXXX XXXX, XXXX, GA XXXX. The branch then closed due to COVID. They still have not processed my deposits. I talked to the bank on XXXX and again on XXXX and they did not seem to care. I still am waiting for my deposits to be credited to my account. Once they allow me to place deposits in the box set up for that purpose, they bear the burden of responsibility to process said deposits. If the branch was planning on closing and not collecting the items in the box, then the box should be sealed.
Consumer complaint received 2020-08-20
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX AND XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 
3. Proof of Claim that BANK OF AMERICA has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. 

I hereby serve Notice that failure to provide Proof of Claim by BANK OF AMERICA has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring BANK OF AMERICA from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX AND XXXX XXXX. 

It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. 

Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of BANK OF AMERICA agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 
6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

In XX/XX/XXXX, I received a collection from XXXX of {$150.00}. I disputed it and it was removed from my credit report. Today, XX/XX/XXXX, Afni ( a different collection agency ) called and said I owed for the debt. They have not filed it to my credit report yet. They also will not proved the original debt. I asked for documentation of the original debt and she emailed me a login page to the company ( XXXX ). I also asked 3 times to dispute it again, and she ignored my requests. I also have not received anything in the mail from Afni, like they claim they sent. She claimed Afni got my debt back in XX/XX/XXXX and this is the first time I am hearing from them. 
This debt they claim I have is also from XXXX. 
The debt is {$150.00} and Afni said they would settle with {$76.00} as of XX/XX/XXXX Ive attached the email they sent when I asked to provide me with documentation. As its just a login page, that I cant even login to because I dont have an account with them. Ive also attached pictures of my credit report of when I disputed it and after when if was taken off.
Consumer complaint received 2023-01-12
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: Nelnet, Inc. (PA)

Firstmark Services continues to violate my right to privacy, which is a violation of the XXXX XXXX XXXX XXXX. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated XXXX parties. 

Firstmark Services continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that the Fair Credit Reporting Act requires them to furnish information about me without my consent when XXXX XXXX is OPTIONAL WITH MY CONSENT. 

I have suffered monetary actual damages from the results of Firstmark Services furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. 

*see attachments*
Consumer complaint received 2021-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Bass & Associates, P.C., Attorneys at Law (MI)

Bass & Associates, P.C. ( Bass ), sent me a a settlement letter dated XX/XX/XXXX for my defaulted student loan account with the U.S. Department of Education, Federal Student Aid. On page 1, Bass stated, " This notice confirms our offer to accept {$4400.00} as full settlement and satisfaction of your obligation on this debt. '' Page 2 at the end of this Bass letter ( XX/XX/XXXX ) states, " Loans included in this agreement : Nos. XXXX, XXXX, XXXX, XXXX & XXXX. This comprises the five loans, not the two they portend was agreed. Again, it's on their letter, and thus, the understanding was the five loans as full settlement for the total of {$4400.00}. In addition to this letter, phone conversations took place between Bass & my grandmother, XXXX XXXX, affirming the agreement. A cashier 's check in the amount of {$4400.00} was received by USDOE prior to XX/XX/XXXX deadline. 

The five above-referenced FDSLs : XX/XX/XXXX-two with XXXX XXXX   XXXX ; XXXX-three with XXXX  XXXX XXXX and XXXX XXXX. 

Now, Bass is saying they meant to only include 2 of the five loans but the settlement agreement is stated in the XXXX XXXX, XXXX letter for 5 loans, and my grandparents and I adhered to the agreement. XXXX should be responsible for their actions in their arrangement with USDOE. Our agreement should be enforced.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This complaint pertains to ACH payments that were never authorized by myself and I had made clear to Cap One that they should not take 3rd party payments of any type by both phone and by letter that was delivered to Cap One through their secure email system. I have this email and the proof it was sent attached. Capital One did remove all fraud activity but the 2nd application of fraud is the ACH and Over the phone payments that were made by 3rd parties, from accounts that nobody in my family have any relationship with. All of these fraudulent payments were made to attempt, as I believe, to pay down the capital one XXXX ( had a XXXX balance ) and Quicksilver Accounts so that they could " trick '' capital one to allow the accounts to have more of a balance. This worked to a certain level and I called Cap One to remove the fraud, they did, but did not remove the ACH or Call in payments ( Fraud as well that should have been removed when the original fraud was removed since they are related ). This closure is ridiculous with a long-term client who warned the company not to take any 3rd party payments without my vetting in advance. This did not take place and Cap One posted the payments completely against my directive to them that is attached.
Consumer complaint received 2021-06-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : :XXXX XXXX XXXX Account number XXXX -- XXXX XXXX.Account number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks
Consumer complaint received 2021-04-01
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. (TX)

I disputed information stating XXXX XXXX XXXX XXXX processed charge off payments in XXXX - XX/XX/XXXX. I sent documentation to Experian and the other reporting agencies that the total amount of the loan was paid in XXXX. It was a voluntary surrender of the RV, it was sold at auction and I paid the balance of {$39000.00}. XXXX XXXX XXXX XXXX erroneously reported that I had a balance and I fought it through a private consumer credit agency. XXXX XXXX XXXX XXXX closed the balance when realizing their error ; however, reported as charge off in XXXX which has plummeted my credit scores. I did everything right and am still be punished in XXXX after loan was paid off in XXXX. I want my credit history with this account accurately reported to all the agencies.
Consumer complaint received 2018-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Despite paying the minimum payment on my Citi Double Cash card, my monthly statements show increases in the balances subject to interest and interest applied over the last four months. No fees were incurred, and the APR was fixed on a promotion. If I am paying the minimum payment with a fixed APR and no fees, my balance subject to interest should be decreasing since the minimum payment should cover the most recent interest applied plus some amount toward the principal balance : XXXX balance : {$4800.00} Payoff with only minimum due : 19 years Minimum payment due : {$95.00} Paid : {$95.00} XXXX interest applied : {$41.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$88.00} Paid : {$89.00} XXXX interest applied : {$42.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$89.00} Paid : {$89.00} XXXX interest applied : {$46.00} XXXX balance : {$4600.00} Payoff with only minimum due : 19 years Minimum payment due : {$92.00} Citicard representatives could not explain to me why my balances subject to interest, interest charges, and minimum payments are increasing monthly if I am making minimum payments and the overall balance is decreasing.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XX/XX/XXXX I accidentally overpaid my credit card bill. I thought I was paying the current balance, but I paid the statement balance. Since my credit card did not have a high balance, my account was now at - {$3700.00}. I contact them on XX/XX/XXXX and they said they could return the credit to me. They took my bank information and I was told my money would be returned in 2-5 business days. On XX/XX/XXXX, i still had not received the money so I called and spoke with 3 different people. Each time I was given contradictory information. I was told my money was on hold. When I asked why I was transferred to someone else. This person told me he couldnt do anything because my payment was already pending. I was told that 2-5 days was not true. it was 5-10 days from XX/XX/XXXX. Each person I spoke too told me a different story and timeline. The final person I spoke to said the money would be deposited by XX/XX/XXXX. Today is XX/XX/XXXX and I still do not have the money and no one is willing to explain why.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I 've pleaded with Transunion to update my credit report. My maiden name is XXXX. All of my former employers have been deleted from my history. My drivers license have been stolen in the name XXXX XXXX XXXX. I 've mailed a copy of my current information to them. 
My last address is XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX XXXX is one of my employers. XXXX XXXX, XXXX XXXX XXXX XXXX is my first employer. Social Security have this information on file.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Hello CFPB im Making My Complaint Today Against XXXX XXXX XXXX They Are Reporting False Information To My Credit Reporting Saying I Owe An Alleged Debt Which They Are Breaking The Law Because This Company Is Not Licensed & Bonded In The State Of Georgia To Collect From Me. 

Contacted Debt Collector Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Signature They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading False Accounts. 

Under 15 U.S. Code 1692d- Harassment and Abuse I Have Been Harassed and Have Trauma This Account Is In Violation. Under 15 U.S.C. 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence.

Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you XXXX XXXX XXXX  that I refuse to pay the alleged debt you are claiming I owe on Account Number XXXX, and I DEMAND you cease & desist all further communication in compliance with this law ; Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Consumer complaint received 2022-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

Enhanced recovery company try to collect a debt from I sent them two certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Enhanced Recovery Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I have not got a response back they sent me a bill from XXXX in the mail.