davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In response to my first complaint, I am attaching an e-mail that I received from a representative of Capital One. Apparently this was just a joke. I have called 4 times, was put on hold for about 20 minutes, and the " foreigner '' I spoke to ( I could not properly understand him ) said this lady was not available. I guess the joke ( more deception ) is on me, right? Attached is the e-mail for your review : XX/XX/2017 Capital One Case : XXXX Dear XXXX XXXX, I 'm reaching out to you about your concerns. I would like to try to help you with this. 

Please give me a call at the phone number below at your earliest convenience. 

I am available from XXXX.-XXXX PT, Monday-Friday at XXXX. When contacting me, please use XXXX as the XXXX-digit PIN when prompted. My XXXX-digit extension is XXXX. I 'm glad to help any way I can. 

Sincerely, XXXX XXXX, on behalf of Capital One
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (IA)

We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Today, XX/XX/2016, I was notified that Capital One received a report of possible fraudulent activity on my account. I requested the source of that information and was told that such information was not available to the person who assisted me, XXXX, a Fraud Department Supervisor. I was told that my current credit card is being replaced even though I have paid my account balance in full for the past 4 months, or the duration of having the Capital One Platinum credit card. the actions of the company seem to me arbitrary since the company is unable to provide the source of the compromise. I believe that there is possibly no justifiable reason for the action of re-sending me a credit card due to the fact that the company is unwilling to disclose the source of the information stating that my information has been compromised. I am unaware of the rationale for the actions conducted by the company and would like full disclosure for the reason for why my account may have been compromised.
Consumer complaint received 2022-02-12
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. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXXXXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2016-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lyons, Doughty & Veldhuis, PC (RI)

I have received repeated calls from a collector for a debt that is not mine. I have visited their website and left voice messages indicating that they have the wrong person. The robo calls continue over the weekend as well as during the week.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TRANSUNION IS CONTINUOUSLY ALLOWING DEBT PURCHASING COMPANIES TO PLACE DEBT ON MY REPORT WITH NO PROOF OR SIGNATURES OR VERIFICATION. i HAVE BEEN FIGHTING FOR THE PAST FIVE YEARS AND XXXX CLASS ACTION SUITS AGAINST THEM AND XXXX. I HAVE BEEN UNABLE TO PURCHASE HOME BEING KEPT IN BONDAGE OF RENTING AND HIGH INTEREST RATES FOR CREDIT!! I WANT THOSE OLD XXXX CARD AND XXXX DEBTS REMOVED. THE IRS IS ALSO CHARGING ME IM FIGHTING THE SAME ALLEGATION AND IT WAS CHARGED OFF AS WAGES FOR XXXX. I NEVER EVER HAD XXXX DOLLARS WORTH OF DEBT BEFORE THIS ALLEGATION ASIDE OF MY CAR. I ONLY WANT TO ACHIEVE THE AMERICAN DREAM BEFORE I DIE AS A RENTER!!!
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (PA)

I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.
Consumer complaint received 2022-02-12
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: EQUIFAX, INC. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXXXXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2022-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXXXXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC. (LA)

CBS Collect is trying to collect on a debt for {$250.00} for XXXX XXXX XXXX XXXX that I am already paying through XXXX. I have tried to reach out to them to have this removed but when I call I am placed on hold and no one comes back on the line. This collection shows on my XXXX  and XXXX.
Consumer complaint received 2015-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.
Consumer complaint received 2016-02-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (MA)

An account was placed on my XXXX credit report without notice or verification the debt/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collections items were reported inaccurately or incompletely, failing to provide sufficient information to verify the debt 's accuracy and validity. As a result, I am unable to ascertain the legitimacy of these collections items and dispute their inclusion on my credit report.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The collections items were not adequately investigated by the furnisher of the information, despite my repeated requests for verification and validation of the debt. This failure to conduct a proper investigation violates my rights as a consumer under the regulatory provisions outlined above.

Violation of 12 CFR 1006.34 ( d ) : The collections items were not reported in a timely manner, exceeding the permissible reporting period specified under the regulatory provisions. As a result, I have been unfairly burdened with negative credit information that should have been removed in accordance with the applicable timeframes.

Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : The collections items were reported without proper documentation or evidence to substantiate the debt 's existence and validity. This lack of supporting documentation violates the Fair Credit Reporting Act ( FCRA ) provisions outlined above, which require furnishers of information to provide accurate and verifiable information to consumer reporting agencies.
Consumer complaint received 2024-02-12
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

The Creditor Service of Morgan reported a collection account on my credit file without giving me a notice of my right to dispute. I have even written to them several times asking for an explanation of the debt they are reporting on my credit report, but they still refuse to respond.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have a collection on my Equifax credit report that is inaccurate. I have disputed the charge several times through Equifax with no luck of having it removed. This same charge was found to be incorrect by a XXXX dispute investigation and it was removed from that credit report. I want it removed from my Equifax report as well.
Consumer complaint received 2024-03-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

To consumer financial protection bureau ( CFPB ) From XXXX XXXX XX/XX/year> Re final demand for removal of inaccurate collection account and substantial compensation This serves as my final and unyielding demand for the immediate removal of the erroneous collection account associated with rent recovery solution from my credit report The continued process of this demonstrably false information constitutes a egregious violation of my rights and a blatant disregard for both the law and ethical business practices. 
The following violations are undeniable : 1.Absence of private of contact : no contractual agreement exists between me and rent recovery solution rendering their claims to any debt utterly baseless. This fundamental legal principal make the inclusion of this account on my credit report a blatant act of fraud and a direct attack on my financial well-being. 
XXXX violation the presence of this inaccurate account flagrantly contradicts the following practices of the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and. ( XXXX ) consumer reporting agencies obligation to maintain accurate complete and up to date credit reporting information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rent recovery solution obligation to refrain from furnishing inaccurate information to the credit reporting agencies XXXX XXXX rent recovery solution potential liability for significant damage and penalties from noncompliance with the FCRA XXXX additional violations the false account further breaches the following legal status XXXX XXXX. XXXX these provisions mandate the credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information Fair debt collection agency ( FDCPA ) and XXXX fair debt collection practices act ( XXXX ) these acts prohibit the sale or purchase of debt known or suspected to be illegitimate Federal law XXXX XXXX. XXXX Mail fraud and XXXX XXXX. XXXX XXXX be applicable to this case due to potential for deception and fraud. 
My demands are clear and nonnegotiable -Immediate investigation -account removal -substantial compensation -written acknowledgment and guarantee * admitting their error in reporting false account * guaranteeing they will cease all attempts to collect * providing a detailed explanation of the steps they will take to ensure error are never repeated
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

USAA credit card is continuing payment holds on funds submitted. I paid {$400.00} on Friday, XXXX XXXX, 2016 and it was released from my bank ( XXXX XXXX XXXX yesterday XXXX/XXXX/16. Can you please talk to someone in billing of USAA Credit card at ( XXXX ) XXXX and straignted this issue out. I would greatly appreciate it.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (TN)

In 2012, I was on contract with XXXX for XXXX cell phones and a data plan. I was in the middle of being kicked out of home, and having found a new place to live I was understandably low in the bank. I had paid my bill on time and in full for several months, so I contacted XXXX to discuss delaying payment ( and late fees ) until a later time in the month to give me time to accumulate the funds. I was told that this would be acceptable and could pay at a later date. When I prepared to pay my bill, I was surprised by not only one late fee, but several other undefined fees that added up to more than twice my normal bill. I was unable to pay ; however, I needed to move to another provider as to continue service for myself, my brother, and my business partner. I was unable to settle the debt in full ; however, I had attempted to contact XXXX to negotiate a payment plan which was denied in full. I have since been unable to pay this debt in full and would like to present this case for what it is and have the debt settled.
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TN)

I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. 
Thanks for the letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-09-07
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY (MO)

My complaint is of lack of concern for AmEx customers. XX/XX/XXXX XXXX I began to balance my checking account to make sure all payments and paychecks were submitted before we go XXXX to have a planned XXXX XX/XX/XXXX I made a note in my checkbook that I had it scheduled to be paid, however I realized my Amex card payment was not made. I 've had the card for over a year, making every previous payment on time. I called to make a full payment and ask for the finance charge and late payment fee to be removed. I was told that I do not qualify to have the charges removed. My credit per Fico score is really good-per even Amex 's free Fico Score ( over XXXX XXXX. Note : over 20 years I have had a few late payments due to scheduling or forgetfulness to different credit cards. One time I had not realized that I had n't made a payment until the next statement was sent. Yet EACH time XXXX removed the charges. I know who values me as a customer-I still have their cards. Again, Amex makes it easy to not use them as a main credit card. Yes, I do realize I missed a payment by several days. No concern for my business means I have no concern about their business.
Consumer complaint received 2022-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I received a collections notice from XXXX in XXXX over a rental damages debt. I have never even heard of the creditor, called XXXX XXXX. I never rented property from XXXX XXXX. I requested verification and it was not provided. The creditor originally listed was XXXX XXXX, which like XXXX XXXX I have never heard of. And when verification was requested, they told me they would email me verification and they never did. 
This started as being listed as " joint debt '', now is showing as just mine. I have made multiple requests to contest it on my credit report, and it always ends up staying on, even without being able to validate. It just added notes that I have contested it. I have received several letters, the last one dated XX/XX/XXXX. I have received phone calls. So, I am continuously being harassed and have attempts made to collect a debt that is not mine, nor was verified to be mine. This is a violation of FDCPA as they continue to go after debt that is not mine, and I have requested multiple times for them to prove or remove and they have done neither. Once verification is requested all collection attempts must be stopped and verified before they can continue, and this was not done.
Consumer complaint received 2020-09-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$5800.00}, {$15000.00}, {$21000.00}, {$0.00}, {$1000.00}, {$11000.00}, {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

8. XXXX XXXX CRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.