davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TN)

Caine & Weiner did not respond to my verification request within thirty days. I challenged the Caine & Weiner to provide proof that we have a contract for any services rendered or compensation which gives the debt collector the right to do. If Caine & Weiner cant provide such proof, the companys acts are considered false and misleading pursuant to 15 Usc 1692e ( 2 ) ( B ). According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Didnt Caine and Weiner purchase this debt or was it referred? 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication that a sale, referral, or other transfer of any interest in a debt shall not cause, I, the consumer to be subject to part of the FDCPA. I challenge you to prove that you not violating the FDCPA under penalty of perjury. I have sent a cease and desist letter and demand you to cease all forms of communication immediately pursuant to 15 USC 1692c ( c ). Again, communication is the conveying information to person directly or indirectly through any medium. You are reporting an alleged debt ( conveyed information ) to a person ( consumer reporting agencies through a medium ( consumer report ) medium. My consumer report is my reputation in commerce to which you are inducing injury. Caine and Weiners failure to comply may result to litigation under 15 USC 1692k
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maury Cobb, Attorney at Law, LLC (MN)

Received a alerts from my credit report that I have a collection that was placed on there from XXXX XXXX XXXX for XXXX I filled bankruptcy last year and included XXXX I ask the lady can she send me a copy bearing my signature she said she not sending me anything was really rude then hung up. Call about 5 times to also get there address and repeatable hung up. To Whom It May Concern : This letter is regarding account # XXXX also accounts # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (NV)

RE : Richland Holdings , Inc. d/b/a ACCTCORP OF SOUTHERN NEVADA We firmly believe this debt collector regularly violates the FDCPA rights of the consumers against whom it collects. 
In our case, specifically, they took a debt approximately worth {$2900.00} and within 2 years turned it into {$10000.00} ( that 's over 3,000 % in interest and fees ). Further, the interest rate, 24 %, which they claim to have used in our case is excess of the max penalty of 19 % assigned to the contract tied to this debt which was with XXXX. This debt collector enriched itself unjustly in my case by misrepresenting the amount that is owed and charging exorbitant interest fees on top of the original debt. 
I would like this company Richland Holdings , Inc. d/b/a ACCORP OF SOUTHERN NEVADA to be investigated for false representation of the amount owed and unfair practices, which are both violations of my rights under the FDCPA, and for predatory business practices and unjust enrichment.
Consumer complaint received 2017-05-22
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: Experian Information Solutions Inc. (GA)

Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on  XXXX / XXXX / 2017  in regards to an account,  XXXX   XXXX  Bank, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on  XXXX / XXXX / 2017  requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.     Under the Fair Credit R eporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and retained in their file at the time of my request concerning the accounts that they are reporting in my credit report. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.      I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing  them to 3rd parties, Experian is damaging my reputation and credit worthiness.
Consumer complaint received 2018-03-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (NY)

Wakefield and Associates made numerous calls, when I answered the phone they hung up.Secondly, I requested proof of the medical bill they said I owed. Never sent me proof, and ruined my credit with XXXX XXXX Here is the current history of this corrupt company How many Complaints are there against Wakefield & Associates?

As ofXX/XX/XXXX, the XXXX  has closed 149 complaints against Wakefield and Associates in the past three years, with 75 closed in the past twelve months. The largest percentage of complaints alleged problems with billing and collections. Most of the remaining complaints are fairly evenly split between advertising and sales issues and customer service issues. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has logged 129 complaints against Wakefield, and XXXX  lists at least 6 cases of civil litigation naming Wakefield & Associates as a defendant.
Consumer complaint received 2016-02-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (CT)

I was scammed on my Chase credit card by someone I met on line at a dating site called XXXX. I have sent all this information to Chase Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. Chase has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX XXXX price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order XXXX XXXX  proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, XXXX XXXX continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. XXXX XXXX not only repossesed my vehical on X/XX/17 when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. XXXX XXXX has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on X/XX/2017 and validation of the current debt that is being reported to my credit.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Self Financial Inc. (TX)

I applied for a credit builder account so I can build my credit fast the loan was for XXXX would be a few years to pay off but I paid it off within the first week so I can build my credit fast so I can get low apr rates on a new car I wan na buy, after paying off the loan I was supposed to have my money back in my account by 10-14 days and its been 45 days and I cant speak to a person I keep getting emails saying they are looking into it, they asked me to upload my driver license and bank statement which I also did 45 days ago and nothing changed i basically gave this company XXXX of my hard earned money and they wont even call or email or returned a dollar of my money
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dobberstein Law Firm, LLC (WI)

A company by the name of Dobberstein Law Firm is reporting a debt that I never applied for. Ive never done business with this company nor any of its affiliates. They have a small claims case filed against me that are in current precedings.
Consumer complaint received 2022-02-03
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: TD BANK US HOLDING COMPANY (NY)

I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the 3 national credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. 

Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. 

On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Skagit Bonded Collectors, LLC (WA)

collection agency did n't identify them self as a collection agency says they are only required to say mini miranda it once and that they did it on a letter they sent informed them that is wrong fdcpa clearly states that it is on every contact they sent me a validation letter we requested and it was XXXX more than what I owed part of it was 2 months that landlord could n't rent apartment yet apartment was rented 30 days after I moved out can get proof if needed they are overly aggressive and refuse to adhere to fedral law I can not and will not do business with a company that thinks they are above the law
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  / XXXX / {$0.00} XXXX XXXX / XXXX / {$420.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-06-23
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: EMPIRE MEDIATION SERVICES LLC (TX)

Add this scammer to the pile of bottom-feeding fraudsters I 've filed complaints on over the past two years -- each one a downstream player in the XXXX XXXX XXXX Scam. They are harassing me regarding a debt that never existed, and they are committing myriad FDCPA, UDAAP and TCPA violations in the process. 

A robocall was placed to my cell number, which has been listed on the National Do Not Call Registry since XXXX 2013. 

The caller ID indicates XXXX number, while the message instructs me to return the call at a different number. There are XXXX of reports listed on consumer complaint websites indicating both numbers are tied to XXXX or Empire Mediation Services. 

The message does not give the identity of the caller or the company they represent. It does NOT tell me the caller was attempting to collect a debt. 

The message DOES tell me I have only 48 hours to respond to the call. It uses words like " case '' and " retain '' -- words that most consumers associate with legal matters. The message is cleverly worded to give the impression that there is impending legal action against me.
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (OH)

We use a Synchrony Bank Lowes credit card for purchases. They offer us a promotional no interest payment option for 6 months on purchases over {$290.00}. However, payment is required, like any normal credit card on purchases that are less than {$290.00}. 

On the statement, there is nowhere to determine how much our payment should be to the bank, in order to not pay any interest on the non promotional purchases. The only payment information they show us on the statement is the full statement balance, which included the promotional purchases, and the minimum payment, which is {$25.00}. 

I would like to know the amount that I need to pay in order to not pay any interest, or receive any other fees for late payments. Also, this information should be made readily available on every single statement, as it is currently deceiving to only show the minimum payment and full statement balance. 

For example, if I purchased {$500.00} on a 6 month non-interest promotional plan, and then purchased another {$200.00} as a regular purchase, the amount needed to pay off the credit card to avoid late penalties would be simply {$200.00} for month 1. If that amount was not paid in full in month 1, then it would include interest charges plus the amount not paid in month 2. 

There is nowhere on the statement that shows what that {$200.00} balance is. 

I have contacted customer representatives twice, but they do not understand what we are asking, and do not fully give us an answer .... It seems like they may even be intentionally deceiving us.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (NV)

This is my XXXX attempt to notify you that I am a victim of identity theft and I'm sending a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These items are unknown to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS is required by law to remove any items which are found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance Owed : {$69.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX  XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX  XXXX Inquiry XXXX XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX Date XX/XX/2021 ; XXXX Inquiry XXXX XX/XX/2021 ; XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX  Inquiry XXXX XX/XX/2021 ; XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX XXXX  Inquiry Date XX/XX/2021 XXXX
Consumer complaint received 2022-07-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX
Consumer complaint received 2017-08-13
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)

On XXXX XXXX, 2017, I disputed a collection account ( XXXX XXXX  ) with Equifax to no avail. Despite the fact that Equifax received information that the debt was disputed and XXXX XXXX  failed to validate the debt in accordance with 15 U.S. Code 1692g, Equifax failed to delete the account off of my credit report. In fact, Equifax failed to even acknowledge my dispute.