davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (GA)

had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement. I was told the original settlement amount was 65 % of the XXXX total. That is roughly 2600.00.  When I requested this in writing along with an itemized receipt I was told I would not get a letter until completion of payments ( which I was told was XXXX, not XXXX. ) Zwicker made the agreement so they should have it in writing somewhere. Something showing the total amount and not just verbal. They have already received XXXX and XXXX and XXXX are now requesting the full amount of XXXX again. Is this legal??
Consumer complaint received 2021-06-30
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 (NY)

Capital One 1 ) Didnt provide me with the Original Contract With my signature 2 ) I didnt sign any contract with the collection agency that was harassing me, I dont have relationship with the collection company or a valid contract with the collection agency 3 ) The charge is off and was send to a collection agency 4 ) Capital One have inaccurate information in my credit report 5 ) The last active of the last date payment dont match between XXXX and XXXX The report dont accurate and must be remove 6 ) On Transunion the last date active is XX/XX/2019 On XXXX The last active is XX/XX/2019 XXXX ) I was really ill and affected by XXXX and my main job was closed and even like that Capital one that sent the account to collecting and sold the debt to collection agency was still harassing me by email to pay
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NJ)

Three payments of {$840.00} were received by XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; XXXX agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX wiped out my account with a levy. The amount is XXXX. The date was XX/XX/XXXX. The debt is supposedly a very old credit card amount. 

I was never properly served. I called them and they said that they tried to contact me in XX/XX/XXXX. 

Midland 's phone number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WV)

XX/XX/XXXX To whom it may concern : The purpose of this letter is to report wrongdoing by Wells Fargo that has caused financial hardships and adverse credit standing for me since XX/XX/XXXX. I have been in contact with Wells Fargo about a business credit card payment error where their online payment system processed a payment transaction resulting in a double payment on XX/XX/XXXX. 

Since I am retired and have a fixed income there was not sufficient funds available to pay Wells Fargo the XX/XX/XXXX payment due to the previous monthy payment being double the amount so XXXX payment was not paid. Wells Fargo contacted me and said that I would have to pay two payments for XX/XX/XXXX to make the account current. I managed to make a double payment in XX/XX/XXXX and they refunded the missed payment fee and made some adjustments. I asked about the effects on my personal credit score and the Wells Fargo representive said that since it was a business account that my personal credit score would not be affected. 

I checked my credit history this month and found that there was a drastic reduction of my credit score in XX/XX/XXXX. I believe the action of Wells Fargo was the reason my score dropped so much because I am current on all other accounts. My score has been low since then and I have not applied for a home equity loan, car loan or credit card as I had previously planned. Managing my credit is important to me and just when I got it up there all the planning I have done will be of no benefit this year. 

Confidence and trust in Wells Fargo is neccessary in order to do business there. I have also mailed an application to be part of a class action law suit against this company. I had not planned to do that until I learned that Wells Fargo had been untruthful to me. This happened in XX/XX/XXXX and they were still doing the multiple payment scam to others until this month. They knew about it and continued to do it. Unexcusable. 


Sincerely, Attachments :
Consumer complaint received 2016-01-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (IL)

AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, and I am submitting complaint this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXX XXXX Inquired on XX/XX/2021 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Innovis (CA)

2 Certified lettershave been sent to XXXX  # XXXX and XXXX   # XXXX they have refused to VALIDATED & investigate all accounts that were list on paperwork I have asked called they now state they were never sent or have recipe any CERTIFIED mail from me which is a Lie I'm now ready to file lawsuit against them for not VALIDATED proof that these accounts are my accounts and the amount they have stated I owe is true I also request a Certified copy of the True Bill as proof all updates of the Investigation shall be sent to me by email @ XXXX by XX/XX/2018 I gave them 25 days to reply and they have refused all actions I have requested them to do also I stated that a IRS Tax Lien Claim also be VALIDATED all claims have been denied from these companies to VALIDATED these claims UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-26
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. (LA)

Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX  they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc. (GA)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-01-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KS)

1. When I agreed to the SAM mortgage change there were many months of payments being held in a suspense account. I was told by Ocwen 's agent that those payments would be credited to the account and to the mortgage balance. The mortgage balance at the time was approximately 140k. The new amount was over 150k because they were charging me for the money they had in suspense. It was never corrected. The real SAM mortgage balance should have been the app.140k minus the principal amounts in the suspense account, minus the mortgage forgiveness. 

2. I last had to turn to the CFPB for help with inaccuracies in my escrow account. At that time the agent from Ocwen informed me due to earlier corrections in my account that I was a payment ahead. We agreed that I wanted that it to remain that I was a payment ahead. Now, I see that I am not a payment ahead, have not missed a payment and want to know where that payment went.
Consumer complaint received 2022-08-11
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. (TX)

on XX/XX/XXXX at XXXX XXXX XXXX I called TransUnion about a dispute that I sent to them certified mail on XX/XX/XXXX. The representative said to me that the only documented information about the dispute of this collection, " XXXX XXXX XXXX '' was the documents sent to them from CFPB and verification from them on XX/XX/2022. I asked the representative directly does she see the certified mail sent out. TransUnion did not respond within 5 business day that they were putting the Collection company on investigation. I sent in the certified mail a letter stating that " XXXX XXXX XXXX  '' was not bonded in the State of Texas to collect any collections. I also sent in that letter the other Collection company " XXXX XXXX XXXX '' this is the company they used to try and send me collections information which I never received. XXXX XXXX XXXX also is not bonded by the State of Texas to collect any collections. I submitted documentation from the State of Texas Secretary of State showing proof, which I will attach. I the representative to look twice to see if they received the certified mail and she said they have not. This is a blant disregard for looking at the investigation for this collection.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

This regards our Chase Freedom Visa credit card # XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX use this card. Expiration was XX/XX/XXXX. ( Do n't worry, we have since gotten a NEW C.C. because of this fraud. ) ( Another Chase Freedom Visa C.C. ) No one asked for NOR ordered ANY of these items! The ( 4 ) fraudulent, XX/XX/XXXX charges just appeared on our statement! Here are Dates of Transaction, Merchant, & Amount : 1 ) XX/XX/XXXX XXXX XXXX XXXX for {$92.00} ( Visa says XXXX? ) 2 ) XX/XX/XXXX " " {$5.00} ( Visa says XXXX XXXX XXXX? ) 3 ) XX/XX/XXXX XXXX XXXX XXXX CA for {$92.00} (? ) 4 ) XX/XX/XXXX " " {$5.00} (? ) We spoke with " XXXX '' at Chase Visa : XXXX ( ext. XXXX XXXX XXXX ) ( M-F XXXX XXXX - XXXX XXXX CST ) Nice gal, but she needs CFPB Help! Please HELP us remove these bogus charges! CFPB : You are a strong right hand of hard-working Americans. May XXXX Bless You! With love! XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (SC)

On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TO WHOM IT MAY CONCERN :
I AM WRITING TO DELETE THE INFORMATION IN MY FILE. THE 
ITEMS I NEED DELETE ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE 
CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY 
CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL 
TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE 
DELETE THE ITEMS AS SOON AS POSSIBLE.
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
2. XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES 
1. XXXX XXXX  2. XXXX XXXX XXXX XXXX-XXXX
3. XXXX XXXX XXXX XXXX
4XXXX XXXX XXXX XXXX XXXX
5. XXXX XXXX
6. XXXX XXXX XXXX XXXX
7. XXXX XXXX XXXX XXXX
8. XXXX XXXX XXXX  9.XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX and I had XXXX XXXX at XXXX in 2017. Since then, my wife and I have had a loss of income because of time missed from work and medical expenses. In addition, my medical premium went from {$150.00} to {$600.00} per month. I am currently on my 6th month of XXXX and I have 6 more months to go. 

I have struggled off and on to keep current with this mortgage, due to my XXXX XXXX, and I have always managed to keep it. However, after this unexpected XXXX and treatment I need help with the 2 payments that are past due. In the beginning of the workout I was given a 12 month repayment plan and I was able to pay back 6 months of it. But it was becoming to difficult to maintain the higher payment. I was working with XXXX XXXX during this process. But in the middle of my repayment plan they cancelled me due to non-payment, which was their mistake. They had 2 different escrow increases for my payment that I was not aware of. So I shorted one of my payments {$100.00} without knowing. They kept sending me letters as if I was the one who messed it up. I did not. I did not default on my repayment plan, they made a mistake. But then I told them that it was not affordable any longer and that I needed some assistance that was closer to my regular payment. I requested medical assistance, and can you believe it? No help for XXXX patients, none. So sad. 

I begged and pleaded with them that I can only afford my regular payment and that I would like the 2 past due payments placed in a medical forbearance or deferment. They said they do not offer these. Again, I am on XXXX and all I am asking for is that those 2 payments be paid back over 2 years. Or until I am healthy enough after XX/XX/XXXX to move or sell my property. They have not offered me anything I can do while I am on XXXX. They also switched my point of contact to XXXX XXXX, without notifying me. I left him a message yesterday and I no one is helping me. 

I will file chapter XXXX bankruptcy if I have to, to save this property, I will. But I think it would be easier for everyone if we came up with a reasonable solution that is not so health invasive for me. As I am already overwhelmed and tired from treatment. 

I am asking for the past payments to be spread our over 2 years. Thanks for your help.
Consumer complaint received 2021-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and Equifax has done nothing but collude with the company. Equifax has done nothing to correct my credit report. The account is XXXX XXXX XXXX. Account # XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Fair Collection and Outsourcing does not have a signed contract to that states I agree to pay them. The Fair Debt Collection Practices Act and the Fair Credit Reporting Act clearly state this. In my past dealings with FCO, they were very non communicative, rude and dismissive when a consumer disputes an account with them. FCO will tell you can only dispute an account twice. Which is violation of the FCRA and the FDCPA. Reporting an noncollectable account with the Credit Bureaus as a current balance a violation of the FDCPA.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I submitted a request in writing to Freedom mortgage on XX/XX/2017 to have the PMI taken off of the account. That day I spoke with a representative who said everything on my account met the requirements to have PMI removed. We have paid the mortgage balance to 78 % of the homes value, we have never had a late payment, and we have had the mortgage for almost 3 years. I called back a week later and was told to submit the request again, which I did through a written email. The company acknowledged on XX/XX/XXXX that they received my request and were working on it. I called in a few times and was told by 3 different representatives that my account met all of the requirements and they were not sure what the hold up was. I was also advised by all three representatives I would receive a call when the decision was made. I called again on XX/XX/XXXX and was advised that the PMI was declined because I had not had the mortgage long enough, we needed to have it for at least 5 years. I was also told that we needed to pay the mortgage to 75 % of the homes value. I cited the 78 % as stated in the Home Owners Protection Act and was advised that the 75 % requirement was Freedom Mortgage 's requirement. I called back later that day and asked for a supervisor who was really not able to explain why it was declined. I then asked for his supervisor and was told no one above him was in and that I would get a call back in 24 hours at most. That call never came. I called in again on XX/XX/XXXX and spoke with another supervisor. This supervisor told me he did not see a request was ever put in for PMI removal and I needed to start the process again. I asked for his supervisor and again was told there was no one above him there at the time. I was again promised a call back within 24 hours. It had been 5 working days since my first request for a supervisor call back and I still have not heard back.
Consumer complaint received 2018-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. 

They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.