davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

Neither my old mortgage company nor my new mortgage company gave a 15-day notice of changing servicers as is required by federal law. 

I received a notice in the mail of the sale of my mortgage. I immediately, same day, got on line and discovered that the transfer had all ready been completed. Essentially no notice was given. 

I assure you that i received no email of the impending transfer and I did not receive a text message. My old mortgage servicer has all that information and could have notified me. 

If I had gotten the 15-day notice I would have immediately paid off my mortgage which is probably the exact reason NO mortgage company likes to give advance notice. 

This is NOT the first time this has happened to me. A couple of years ago the same thing happened -- different mortgage company -- and my monthly payment to the old mortgager was no where to be found for weeks. Finally it showed up.
Consumer complaint received 2020-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (WA)

I am making against BBVA. My father obtained a HELOC in XXXX when the bank was called Compass Bank. He paid the loan off completely, but the bank failed to properly close the account and release the lien. My father and mother were unaware of this until recently. My father passed away in XXXX. Now, my mother is trying to get another loan with the house as collateral. We found out that there is still a lien against the house during the application and closing process. She can not close on the new loan until BBVA releases the lien. I called BBVA probate department approximately one month ago. They confirmed that the HELOC my father obtained in XXXX was completely paid off. I requested that they properly close his account and submit a lien release. I submitted all the requested paperwork immediately. However, they still have not closed the account or released the lien 6 weeks later. I have called back serval times requesting an update. I filed a complaint last week with BBVA customer service. Customer service assured me that the problem would be resolved within 72 hours. I called customer service again today in order to follow-up, but no body is taking responsibility. I keep getting transferred to another department or hung up on. Every time I speak with someone, they say they do not handle this particular problem. The client care solutions department has not been able to figure out who I am supposed to talk to. I have requested to speak to a manager, but the representative says they are not taking calls or they are not available. If the client care solutions department can not handle the problem, then I have no other recourse. I do not live near a physical branch were I can submit a complaint. I have no way of getting my problem solved. Therefore, I am submitting a complaint in the hopes that you can investigate BBVA 's failure on multiple levels. First, they did not close the account properly and never released the lien when they should have. Second, it has been 6 weeks and they still have not resolved the issue or been able to give me an update or estimated time in which it will be resolved. Third, even though I submitted a complaint, the client care solutions department had not taken responsibility in solving the problem. Fourth, I have been unable to speak to a manager every time I requested to speak to one.
Consumer complaint received 2020-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I have a degratory mark on my credit. I received a letter said I owe XXXX for medical bill. I do not recall and do not owe them money. I contacted them, a girl said a doctor put my name on their system so they charged me. I asked for the doctor she said they dont know. I asked her to dispute it, she said she will and I told her I know this is a scam. I do not owe any medical bill. If I ever did I already paid for them. And this letter is go green something. I looked it up it is a scam.
Consumer complaint received 2020-07-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and Experian dropped my credit score 23 points without reason or explanation. I called Experian XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX XXXX  male I've been a victim of this kind of discrimination for years and I need answers.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2020-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FC HoldCo LLC (NC)

on XX/XX/XXXX I lived in XXXX  and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX   not my ex he was in XXXX  They original company sold the loan to a company in XXXX  that collects old debt and XXXX  is a wage garnishment state, XXXX  is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX  and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX  in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in XXXX  in XX/XX/XXXX I called them and said I dont live in XXXX  I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in XXXX  will do wage garnishments but XXXX  will and being I do not live there how can they sue me the truck was repo from XXXX  and me and my EX live in XXXX  plus XXXX  has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo
Consumer complaint received 2020-06-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I sent a wire transfer to a bank of america that I did not know was fraud and when I submitted police report Bank of American didn't do anything to protect me or reimburse me or help me in any way
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CO)

Arhaus had a promotional deal with Commenity bank to offer 6-months interest free if paid in full. 
We bought furniture in XXXX ( furniture was delivered in XXXX ). I did not receive a bill from Commenity bank so I called Arhaus which directed me to an online portal to login. I was able to login but not able to pay the bill. The system said it was unable to process any payments beside {$99.00} or paid in full. I called Commenity and talked to a representative there who told me that the system was delayed in getting me setup. Therefore I could pay the {$99.00} to avoid any interest paymetns and after that continue with the payments. I asked if the promotional 6 months began then and I would need to pay off the credit card before XXXX, he confirmed. 
I setup automatic payments to Commenity bank for $ XXXXmonthly to pay off the balance in 6 months ( {$9800.00} total ). 

The part that I'm upset about is we were charged $ {$1400.00} on XX/XX/year> Interest Charge on Purchases. 
Yet the info I was told and the online system was not even setup to receive proper payments for 2 months of the promotional period. 

I feel like we were mislead in order to get charged extra interest.
Consumer complaint received 2020-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (SC)

I wrote to cancel the loan before it was even deposited on XX/XX/2020 as outlined in The contract by writing. It said that I must submit it in writing to their email XXXX. I did this and received no response. Once the funds had been submitted into my account I called them and they said they would take the amount of the loan back with no charge on Friday XX/XX/2020. But I have received no written communication that the loan has indeed been cancelled. I followed the instructions in the contract to cancel the loan exactly as was stated. I just want clear written communication that the loan has indeed been cancelled.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (MD)

i had a claim on my collections report which I never received a bill from XX/XX/XXXX. They had billed the incorrect insurance. I was not aware it was on my collections until XX/XX/XXXX. I have sent several emails to the billing department including the eob with the payment information and the claims adjustor has sent the payment information including date of service, payment date and date payment was deposited.
Consumer complaint received 2021-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (FL)

Common Wealth Financial Systems Inc. re-aged an old medical account and submitted it as a debt owed to them to the major credit bureaus. I do not owe this company anything, I have never signed any agreement with them. I reached out to the company and asked them to remove the inaccurate information from my account and they sent back a letter in reference to the debt including a list of my medical procedures. I sent back a response for them to remove the info from my credit reports and also to cease distributing my medical history because I did not sign a consent for them to use my medical information. They have violated my HIPPA rights. 
The company posted a debt of {$920.00} with an open date of XX/XX/2021 to my credit report. I have asked that they remove it and I have not received a response as yet.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I paid off the balance of my apple card by goldman sachs in XXXX of 2021 it reported to the bureaus that it was paid in full. This last saturday XX/XX/XXXX they reported that there was a {$9.00} balance ( after the card had been paid in full and account was closed ) causing my credit score to plummet
Consumer complaint received 2024-12-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Slovin & Associates Co., LPA (IN)

I am writing to file a formal complaint regarding harassment and unfair debt collection practices by XXXX XXXX XXXX and their assigned attorney 's office, Slovin & Associates. Below are the details of my case : Background on the Loan and Bankruptcy Filing : In XXXX, I filed for XXXX XXXX bankruptcy, which was dismissed in XX/XX/XXXX. 
Following this, XXXX XXXX XXXX informed me on multiple occasions, through recorded phone conversations, that my balance for the auto loan on a XXXX XXXX XXXX was {$0.00} and that they would send me the title for the vehicle. 
After over a year of back-and-forth communication without resolution, I ultimately surrendered the vehicle to XXXX XXXX XXXX in XXXX under the understanding that the balance remained {$0.00}. 

Debt Sold and Harassment by Third-Party Collection Agency : In XXXX, despite prior assurances, XXXX XXXX XXXXXXXX sold the debt to a third-party collection agency. This agency began contacting me and harassing me about payment for the vehicle, including threatening wage garnishment. 
I subsequently filed for XXXX XXXX bankruptcy ( Case # XXXX ), which was successfully discharged. The company was notified of this bankruptcy proceeding by the court. 

Continued Harassment Post-Bankruptcy Discharge : On XX/XX/XXXX, I received another letter from Slovin & Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) attempting to collect the discharged debt. 

Today, I contacted Slovin & Associates and spoke with an individual named XXXX, who was rude and unprofessional. She claimed I was being sued for the debt and refused to accept any information regarding the bankruptcy discharge. Instead, she demanded my updated contact information, which I declined to provide. I reiterated that the debt was discharged and that I do not owe it. 

Impact and Planned Actions : I have been subjected to years of harassment regarding this discharged debt. This ongoing behavior is not only distressing but also a violation of federal bankruptcy laws and fair debt collection practices. 

I intend to pursue further action against both XXXX XXXX XXXX and Slovin & Associates. In addition to submitting this complaint to the CFPB, I will file complaints with the FTC, my states Attorney General, and the U.S. Trustees Office. I will also consult with my bankruptcy attorney regarding the possibility of sanctions against these companies. 

I request your assistance in investigating these practices and ensuring that XXXX XXXX XXXX and Slovin & Associates comply with federal regulations. Please confirm receipt of this complaint and advise on any additional information or documentation you may require.
Consumer complaint received 2021-10-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (MA)

ALLY FINANCIAL is falsely claiming that the documentary evidence that I sent to them on XX/XX/2021 and XX/XX/2021 was a debt validation request, which it was not. What I did send them was a dispute of " alleged '' debt based on the multitude of ways in which they've violated me as a consumer and natural person. Pursuant to 12 CFR 1006.38, by not responding to these disputes they have overshadowed my right to dispute the " alleged '' debt. However, if ALLY 's intention was to validate the " alleged '' debt on their own accord, they failed to do so by not following the debt validation notice guidelines set forth in 12 CFR 1006.34.

ALLY has not only neglected to respond to my disputes in a lawful manner but they have taken adverse action against me for exercising my right to do so. As per a letter I received from ALLY via dated XX/XX/2021 ( attached ), they state " we have placed a restriction on your account and will not accept payments unless they are made in certified funds such as a cashier 's check, money order, or payment through a third party such as XXXX XXXX or XXXX. '' In doing so ALLY is in violation of 12 CFR 1006.14 for oppressive and abusive conduct, 12 CFR 1006.22 for attempting to collect an " alleged '' debt through unfair and unconscionable means and 12 CFR 1006.6 ( c ) for attempting to collect an " alleged '' debt after receiving a cease communication notice from me on XX/XX/2021. 

Nevertheless, pursuant to 12 CFR 1006.34 I am lawfully entitled to request a validation of this alleged debt, which I am now officially doing. With that said I have sent ALLY and their CEO an official validation request via certified mail, which was confirmed received on XX/XX/2021.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One Visa Platinum Card was closed in XXXX of 2018 without any notice. I was told it was as a result of return payments on the account. Throughout the course of my tenure with capital one, I accrued reward cash offers and had no issues redeeming them for statement credit or gift cards. I currently have a balance of XXXX and was told that I would not be able to redeem them due to my account closure. As previously mentioned, my account was closed with no warning. I did not receive an email or letter stating why it was closed or that it was closing. I did not find out until I tried to use my card and it was declined. I have contacted capital one about receiving my rewards credits as either a statement credit or redeeming it for a gift card and they are refusing to honor my rewards because the account is closed. I was never given an opportunity to redeem said awards before account closure because I was never even told my account was being closed. I am confused as to how I can redeem awards before the account is closed if I am not notified the account is being closed.
Consumer complaint received 2020-07-07
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}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX XXXX XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.