davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Radius Global Solutions LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc (CA)

I noticed on my credit report I have a collection for Stuart Lippman and associations the balance is XXXX. I contacted them early XXXX of 2019 regarding this issue. The first day I called nobody answered, the second day I called a guy told me the person handling this matter was not available I even asked him can he enlighten me on what is this regarding my credit. He went on explaining he could not see what it was and I would have to talk to the person who was in charge. I called again the next day no one answered. I would like to remove this matter from my credit.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX putt my account in collection status as of XX/XX/XXXX. I did not open an account with XXXX XXXX and nor do they have my consent to report anything on my credit or any public record. 

I had an account with Barclays, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by XXXX stating you can start paying and paying Barclays account, without explaining that Barclay has already reported this account as charged off in XXXX and no matter what i do XXXX can not remove that derogatory remark from my credit. 

When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with Barclays, I explained the whole situation again to then and asked them for my original contract with Barclays to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with XXXX and the Barclays account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. 
How can one account be reported negatively twice on the credit report. I do not acknowledge XXXX as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for Americollect Inc to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2019-08-28
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. (PA)

This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX XXXX claims {$2100.00}, and the account is unknown and was not validated. 
XXXX XXXX XXXX claims {$170.00} account is unknown, and was not validated XXXX XXXX claims {$830.00} and the account is unknown, and was not validated
Consumer complaint received 2020-01-20
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I contacted Experian to have my social security number fixed since they have a wrong social security number on file under my name. I was told to send a copy of my social security card, a photo ID and proof of address through their online system or by mail. I tried submitting them online and everytime it had a new requirements I must meet ( pdf or jpeg, black and white only, certain size file ) once I completed all the requirements I still got an error message but without any description this time. I tried again a few weeks later thinking something was wrong with the system but I had the same result. 

I sent the documents my mail at the end of XX/XX/2019 with tracking and got confirmation that they were delivered to their PO box in Texas a week later. 
I have called twice since and both times, I was told to wait another week. I called again today and my call was dropped multiple times. I have waited on hold for a total of 6 hours and still do not have a solution. This is ruining my life, I have not been able to start building my credit because it is always been denied, i was turned down for an auto loan because of this issue.
Consumer complaint received 2020-01-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PRESTIGE FINANCIAL SERVICES INC (NM)

I purchased a car on XX/XX/XXXX in the amount of {$17000.00} with an interest rate of 21.13 %. I let the car go and the car was sold for {$6100.00} in which Prestiage Financial received payment of that on XX/XX/XXXX. I have paid {$10000.00} in payments and I have been getting garnished and have paid {$8300.00} and paid voluntarily {$1500.00} to stop the garnishment. They have been unfair and stating I still need to pay {$250.00} a month on top of garnishment in XX/XX/XXXX and a payment of {$1500.00}. According to my calculations Prestiage Financial has received {$26000.00}. 63. They keep threatening me they are going to keep garnishing my wages and greasing me with phone calls. I never received a judgement letter to go to court as they send it to an old address when they new my current address and failed to send it to the correct one and stated they had no control over that. I am tired of being threatened by them and I have almost been evicted on several occasions due to this. I am seeking help in regarding this matter and an investigation.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I requested a settlement but I got sick and had medical issues I explained to them and they said it was fine and the agreement will be ok but then canceled but never known until I made payment on the account. They put Muiltiple missed payments when I was making payments. Harassing me even after the sold the account to a third party collection agent. Had multiple furnishing for inaccuracies on the account. Refused to take off credit report even though they keep reporting incorrect information on the account I am still paying on and I made a payment XXXX and put missed payment still. I asked for a goodwill will no one will answer me on it to remove from my credit report. At the time the car was repossessed XXXX XXXX XXXX XXXX for XXXX and having XXXX XXXX. I called to let them know about what was going to and I was hospitalized. They wouldnt work with me at all even though we were struggling badly while I was out of work as a single mom. I asked that Id be forced off credit report with the inaccuracy of the account that they are messing reporting to credit bureaus. I feel as if they should remove due to natural disaster since the XXXX ended me up as hospitalized while pregnant. Please help me I really need help this is the last thing I can think of the have someone just help me with the capital one auto charge off.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I did not recieve credit for fraudulent charges from XX/XX/XXXX I stopped monthly payments XXXX until XXXX which has not happen yet USAA reported me deliquient They refused to resolve fraud I reported beginning XX/XX/XXXX Executive Resolutions reviewed account responded " You did not report fraud until XX/XX/XXXX '' Enclosed XX/XX/XXXX Statements has 6 Reversed Credits each reference begins F for fraud XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Clearly fraud was reported PRIOR to XX/XX/XXXX for reversed credits to appear already posted on XXXX Statement 1 ) WHAT WERE THESE NEW CHARGES OF REVERSED CREDIT FOR? ( Security of ) 2 ) * How can there be reversed credits IF NO FRAUD REPORTED BEFORE XX/XX/XXXX?
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The account with XXXX XXXX XXXX was closed and charged off back inXX/XX/XXXX and on XX/XX/XXXX it was removed from my credit report and they placed it back on my credit report this year XX/XX/XXXX and should be off on XX/XX/XXXX i want this account removed from my report because I even called the collection office and they dont even have an account for me because that account was written off back in XX/XX/XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Monarch Recovery Holdings, Inc. (CA)

I had been phone repeating call from XXXX Monarch Recovery robocall. Never received written from Monarch Recovery nor are reporting any of my credit bureaus messages left on answered Machine. They a last name ask press 1 if that is name or press 2 if not.
Consumer complaint received 2020-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

I am a XXXX XXXX investment  client who is partnered with Bank of New York Mellon who provided our debit card and checking account privileges. 

Over the course of the last three weeks, I've worked within the guidelines afforded to me through the client relations team for processing the disputes/fraud claims as well with my financial advisor for these unauthorized charges to a comprised and closed debit card. I have patiently afforded XXXX XXXX and BNY Mellon it's partner to properly address this serious matter and they've done nothing but overdraw my account and restrict my monies for both my XXXX XXXX accounts as well trying to hold me responsible for debit card charges that they are still putting through as a of a few days ago on a closed card from over a month ago. This is not legal, neither does Visa and Master Card operate under these procedures or policy guidelines. 
I need someone to HELP address this immediately, they have fraudulently taken over {$3400.00} dollar from a good client that they had absolutely no complaints with. 
This entire situation is not only troubling, but disturbing in the way it's been handled, creating a relationship that is now irretrievably broken down. I simply want all my monies returned immediately, and have nothing to do with a company who handles business like this. 
" PRIME EXAMPLE '' WHO WOULD PUT A CHARGE THROUGH FOR OVER {$2000.00} no authorization and say that's legal as well continue to do it? 
Please call me immediately at XXXX, this was not handle professionally, neither was I ever followed up with. 

Unauthorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX reversed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (FL)

Comenity- XXXX XXXX On XX/XX/2019, I visited XXXX XXXX and felt pressured into purchasing an item. The store manager used the " this is a one-time offer only '' and the " think about what this means for your partner '' sale tactics but I was still unsure about the item and was not ready to purchase. So, the store manager used his " I hear what you're saying/I know how you feel '' tactic and convinced me to purchase the item while I had 60 days to decide if I wanted. The store manager offered to keep the item, clean it and hold it until I decided what I wanted to do. I opted for that option because I felt safe then that I would be able to cancel my order after I had thought about it. Soon after, a family emergency caused me to be out of the state for 6 weeks. During this time I called to cancel/return the item but though  the item was still at the store, I still had to be present to complete the order. I returned to home and visited the store within the 60-day time-frame to return the item anticipating no hassle. The store returned the item and credited my credit cards, one being a Comenity bank card I was persuaded to open at the time of purchase. Though the store convinced and assured me that I had 60 days to change my mind, no hassle or issues, they failed to mention that the credit card payment with interests and fees would be due within 30 days. So though the store kept the item the whole item and reassured me I had time to consider my purchase, the interests added up from Comenity Bank and they also included late fees. My bill is now {$100.00}. However, only {$28.00} in fees occurred during the time I actually own the time and this is the amount I believe is fair to pay.
Consumer complaint received 2020-01-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

I have been trying to refinance my VA Loan with Planet Home Lending since XXXX. I was told in the beginning of XXXX that I would be closing by the end of the month and that I did not have to pay XXXX and XXXX payments and that my new, reduced payment would take affect XX/XX/2019. I was doing the IRRL refi, as my mortgage was due to increase and I was struggling with the current payment. On XX/XX/XXXX. 2019 I was informed by the agent I was working with Mr XXXX XXXX, that I would not be closing in XXXX and would now have to pay XXXX and in 2 days, XXXX mortgage before they could process the refi. I advised again, I could not do this, I had just borrowed from my 401K in  XXXX to get current so the process could be finalzed in XXXX. I had nothing left to borrow from. I was told nothing could be done until my payments were current, NOTHING. Well at that point I reached out to my husband, who abandoned me and the marital residence, 10 days after closing, and who never contributed financially up to this point ; and I asked for assistance. He then let me know he lost his job and was unemployed and could not assist. I am now 4 months behind and no one is offfering any guidance, or advising what my opotions are and I do not want to lose my house.
Consumer complaint received 2020-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MD)

I went to XXXX  college from XXXX. Received a loan from XXXX. When XXXX went bankrupt in XXXX?, I joined FedLoan for loan repayment. 

In XXXX, XXXX, i received an email stating that FedLoan is being investigated sued by the US government, and 8 other states for fraud. In the email, they stated to contact FEdLoan for the status of my loan. Upon contacting FedLoan, i was unsuccessful for the next 2 weeks in contacting the. In addition, i sent several emails regarding this manner to my FedLoan agent, as well as tried to contact FedLoan via phone several times, all with no response and FedLoan did NOT reach out to contact. On XX/XX/XXXX, they took their monthly payment out of my account at XXXX  XXXX XXXX. I contacted XXXX, informed them of the situation and asked for a FREEZE on all transactions between FedLoan Student Services, and my bank account. This morning, i noticed that FedLoan had taken out a payment without my permission. In this instance, FedLoan added letters to the end of their name, in order to bypass the Freeze within my account with XXXX  XXXX XXXX, and were successful in retrieving their monthly payment, without my permission. I have contacted my bank and informed them of this issue.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC (TX)

On XX/XX/2019, ASSET RECOVERY SOLUTIONS , LLC, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/2019 : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/2019, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. ASSET RECOVERY SOLUTIONS , LLC committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if ASSET RECOVERY SOLUTIONS , LLC had not confused and extorted money from me.
Consumer complaint received 2020-01-21
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. (UT)

XXXX XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC. (AZ)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a targeted offer from Bank of America within their online banking site in the " special offers & deals '' section for opening up an Advantage Plus checking account and received {$300.00} for " Set up and receive qualifying direct deposits totaling {$4000.00} or more within the first 90 days of opening your new checking account ''. I completed the requirements and the term says the bonus would be paid out within 60 days. It's been past the 60 day period and it has yet to be paid out. I submitted a CFPB complaint case # XXXX, got an ackowledgement that Ms. XXXX XXXX is handling my case and requesting me to call back to confirm it was my case. She never picked up my phone call and never responded to my emails. Bank of America is simply dodging to honor the promotion at this point.