davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

What Happended My wife and I have an auto loan from American Honda Finance Corporation. 
corporation. The CFPB and the DOJ recently resolved an action with American Honda Finance Corporation. The action stated that XXXX borrowers were paying higher interest rates than white borrowers. Honda was required to pay {$24.00} XXXX in restituion to affected borrowers. My wife is XXXX. When is CFPB going to send us our portion of the settlement?
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CO)

I was with XXXX for about two months, they did n't supply service/towers in my neighbourhood, never had reception, towers were always out of service. I called daily on landline to get service on my non working phone, their answer was that it was the phone, not the towers, reset my phone multiple times did not help. They did not fulfill/breached their end of the contract, I moved service because they could not supply me service. I paid the two months I was with them and returned the phone.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Debt Recovery Solutions, LLC (IL)

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip : XXXX, NY XXXX RE XXXX Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

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 offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Consumer complaint received 2015-12-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation (MD)

On XXXX/XXXX/15, I attempted XXXX purchases with my debit card issued by XXXX XXXX XXXX XXXX. Both were declined although I had funds in my account. I visited the credit union on XXXX/XXXX/15 to see what happened. The representative informed me that the debit card issuer STAR determined that my card was compromised and cancelled it on XXXX/XXXX/15. I had received a new card, but did n't activate it because there was no explanation issued with the card about why my current card was being replaced.Although my card was cancelled on XXXX/XXXX/15, no one informed me and I continued to use the cancelled card until I was embarrassed in a restaurant trying to pay for lunch.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.
Consumer complaint received 2016-03-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

At Transunion I spoke to a Supervisor named XXXX. I have approximately XXXX hard requests that are not mine. He told me he could not dispute them. I had to call them individually then make a police report for FRAUD. I called each XXXX they say they have no applications for me so then it was an error. I ca n't get letters so They will not take off my report. The police said they need to do there job. If there are no reports then there is no fraud.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HORIZON BANK (TX)

I received a letter dated XX/XX/XXXX with a check enclosed for {$330.00}, that stated our mortgage company, First Horizon was unable to process our payment because the loan had matured. This prompted me to call to inquire what did this mean. The representative at First Horizon stated she did not know why the check was sent to us and that someone would call back to assist us further. No call ever came. A few weeks later I called again to inquire about check being returned and I also requested an audit of the account. This loan had been sold/transferred many times so I wanted to verify that terms and amount had not change. To date, I never heard back from anyone or received any correspondence until XX/XX/XXXX when I received letter from debt collector stating that we were facing foreclosure. We called First Horizon this morning and asked what prompted this. XXXX been inquiring about the returned payment and have requested an amortization schedule/audit to no avail. After being transferred several times this morning all we have discovered is that when I entered into Loss Mitigation back in XX/XX/XXXX, it was incorrectly listed as incomplete. I have proof that I provided all information/documentation that was requested and at the time of request I was given verbal confirmation that all was good. I have never received any other correspondence after that stating otherwise. We are totally perplexed about this whole debacle and wondering how are we now in foreclosure when no one from First Horizon has made us privy to any of this. First Horizon refused payment from us and then not respond to any of our requests since XXXX and then proceeded to put us in foreclosure. Our hands are tied and after speaking with several departments this morning were still none the wiser. XXXX done our due diligence but we are not in control of how First Horizon conducts business. Initially our loan was with First Horizon and then XXXX and then XXXX XXXX and now back with First Horizon. A few payments were sent to the incorrect mortgage company due to this merry go round. Please research the history of this account so that we can have clarification of what transpired and where the ball was dropped. It doesnt make sense that until XX/XX/XXXX, all payments had been accepted. First Horizon returned our payment so how were we to stay current if they refused to process payment? First Horizon deliberately made this account go into default by refusing payments. Theres been no emails or letters from First Horizon inquiring about missing payments. And when we asked back in XXXX and XXXX about the returned payment and request an audit of this loan they provided NOTHING.
Consumer complaint received 2023-01-18
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: JPMORGAN CHASE & CO. (SC)

I signed up with the following moving company in XXXX to move us from XXXX XXXX XXXX XXXX 

United States XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX  : XXXX XXXX : XXXX I decided to do it on my own so we cancelled in the XXXX hour window. I submitted the cancellation email like they requested and waited for my refund. I didn't hear anything for a week so I reached out and asked for an update. They said they were processing my request. Then nothing happened so I followed up again and they responded saying it would be handled by Monday. Nothing happened so I filed a dispute with my credit card company who is Chase Bank. They told me they would take care of it and they removed the {$2600.00} charge from my card. I didn't hear anything from them till XX/XX/XXXX saying the dispute was closed and we were responsible for the money. I called right away and gave them the supporting documents that I had ( they never asked for them or reached out to me the entire time ). Since then I have gone back and forth with Chase and every time I call in I get a different answer. Some say it is being resolved, some say they are opening the case, some say it is closed. I never get any calls to update me and the messages they send in my account have been XXXX in 6 months. All those messages had nothing of substance either. They have not followed up at all and in a timely manner. This was not handled in the way it was supposed to be according to the Fair Credit Billing Act. They said they did an internal investigation and said they did everything right but they didn't do anything. This is a charge for services that were never delivered.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TN)

I received a letter dated XX/XX/2023 on XX/XX/2023. The original creditor was XXXX  XXXX XXXX. This communication was from Credit Management company from XXXX, TX, formerly XXXX XXXX XXXX. The letter has an address but no phone number. I was given the phone number by another company. XXXX. 

I contacted their office on XXXX XXXX at XXXX XXXX XXXX. The call lasted XXXX seconds. They said they are representing a XXXX XXXX XXXX, XXXX. I spoke to a gentleman named XXXX. I advised him that this was a XXXX 's XXXX  case. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX were advised of this when I was sent there by my employer. They were given all information when I was initially seen. I disputed the debt through XXXX XXXX as it showed up on my Credit Report. I believe that is why I received the letter. I received from this company what appears to be XXXX pages printed from a computer and that is supposed to " verify '' the debt. The letter and their Agent identified this is a debt from XXXX XXXX XXXX, XXXX in XXXX, CA. 

When I spoke to the XXXX and provided the reference number he stated you owe _____. I then advised him this was a XXXX 's XXXX case and I dispute this debt. I advised him that XXXX  XXXX know this is a XXXX 's XXXX  claim and I don't owe them as my employer was supposed to pay according to Tennessee law. He said so I am annotating your account to show you refuse to pay. I said no I dispute the debt as it is a XXXX 's XXXX case. He said well we sent verification. I said no I want an itemized bill and if you want money take me to court. His attitude was like I just woke him up and he wasn't interested in anything I said. 

The letter and the " verification '' document both have no indication of the right to dispute a debt or a phone number to contact the XXXX. I am also forwarding to the Tennessee Attorney General.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc. (NY)

I called twice and requested that my banking information be removed as a payment method stored on my account. I was transferred multiple times and then told to send an email. I received a response, and was told to send another email. I am getting the run around. I want them to remove my bank account information from their payment system. I do not authorize it to be used as a payment method and I do not authorize them to maintain or store the information in their system. I have right to privacy, and they do not have a right to my bank account information.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had a XXXX transunion credit score for the past two months and as recent as XX/XX/2017. Having not applied for any credit and with all active credit accounts on auto pay I received a XXXX reduction from transunion while during the same period of time my XXXX and XXXX score went up by a few points. Additionally, I submitted XXXX disputes to tranunion and immediately after submitting the disputes on XX/XX/2017 my score was reduced by a substantial margin of XXXX points. Normally, emails are sent when changes are reflected on a credit report. I received no notification from transunion of any changes that I am aware of. It appears that this deduction was partly in response to my dispute submissions. This is the second time within the last year that transunion has deduction my credit report by a very substantial margin and second time the deduction occur after submitting disputes.
Consumer complaint received 2016-02-04
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Seterus, Inc. (NJ)

Seterus is the mortgage loan servicing company to which I send my monthly payments. My payments are always made within the first week of each month and are " posted '' to my account within 3 to 5 days. However, my payment of XXXX 2015 took 15 days to be posted to my account. The company charged me a late fee with the following month 's statement. Instead of paying that fee, I sent them a letter with a copy of my cancelled check showing how long it took THEM to process it. I received no response at all from my letter, until the late charge appeared on my most recent statement again.
Consumer complaint received 2016-05-16
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (TX)

Halsted Financial Services, LLC will call my cell numerous times daily. When I answer they immediately hang up. When I called back is when I found out who they are. 
I spoke to a person and he wanted the balance on an old account immediately. I explained I could n't do that and he began to berate me, saying things like, you owe the debt and telling me I was a child along with other rude and insulting responses. 
When I told him not to call my cell using a robot he hung up on me.
Consumer complaint received 2016-02-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (NE)

On XXXX XXXX a XXXX Nebraska Sheriff knocked on my door. He told me that he was there to serve me with a Notice of Quit, which he then explained was a pre-eviction step. I was dumbfounded since, to my knowledge, we had been paying our mortgage every month. Turns out, we were having some confusion with the bank and our checks were Their l not clearing. This had been happening for about 9 months, and up until this point, we had received no communication whatsoever. We were not told that we were facing Their l foreclosure, we were not told that our home was being sent to auction, but magically, they were able to inform us that our house had been sold and since Nebraska has no buyback plan we were out of luck. Our only option was to go to the bank and take out a brand new loan, which we could n't get because of the foreclosure. Had Franklin American contacted us before the sale we would have been able to pay what was owed, but since we had no idea we were in trouble we took no steps to save our home, leaving our family scrambling for a place to stay. Their lack of contact/communication is absolutely unacceptable.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nexum Group Inc (FL)

The debt listed by XXXX is something I had zero idea about up until it was posted on my report. I never received any notice of this debt other than the report. The company informed me about the debt details after I requested information. It was from a plumber who did work on my house two years ago, that I was told the seller of my house would reimburse me for. Digging further, I did find an invoice in my email but otherwise I did not receive any follow up about the payment being due. I never received any communication from the plumbing company and I never received any notice in the mail of a bill being due. Ive never received any notice of this debt. 

Additionally, the name and address on my invoice is incorrect, and it is incorrect on the debt report I was given.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/year> CCB/ALPCOS added a derogatory remark on my credit report per CREDIT BUREAU ( XXXX, XXXX, XXXX REPORTING THE COLLECTION ). Upon further research, this account was transferred/sold, and I am no longer responsible for this account. Debtor creditor did not verify this collection, also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say it's mine. According to the FCRA ( CCB/ALPCOS ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

XX/XX/XXXX Please reference my original Complaint # XXXX, filed XX/XX/XXXX I have received another notice from the same company with a " reduced '' amount to pay. 
Per my original complaint, the VA has paid this debt once, possibly twice. I am a veteran and " all bills submitted '' to the VA, are paid through the VA. 

I had a three way conversation with the nasty woman who said she was an attorney and the VA billing department. She didn't do much listening however the VA and I managed to get through the conversation with her. Arrangements to pay the bill were confirmed and all parties hung up. The VA billing did add that their bill had NEVER been submitted to the VA however it did line up with when I was hospitalized.

They can reduce the debt down to a dollar and I will not pay it! If their billing system is so messed up I get a notice once a year, and they can't find the payment sent to them. that's on them, not myself or the VA.

To reduce the bill after I filed a complaint saying I would not pay a debt I do not owe is a testament to their inept handling of this matter.

I will not pay what the VA has already paid.
Consumer complaint received 2024-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I signed up for a Rate Reduction plan with Navient. The plan was set for $ XXXX automatic payments. Whoever established the plan made an error and multiple payments were taken out over a span of 3-4 days. When I complained about the issue I was told that I owed the money regardless and there could be no refunds. I wish I'd known about CFPB when this happened. Hopefully others can learn from Navient 's predatory lending processes.
Consumer complaint received 2023-01-18
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. (MI)

I sent a letter to ExperiaXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022 and requested them to remove all old addresses, phone numbers, email addresses and employment information from the credit file and update the credit file with my current address, email and phone number. Experian never replied. 

I sent a second letter ( certified this time ) to Experian on XX/XX/2022 and made the same request. Experian never replied to this letter either. 

As a consumer, I do know I have the right to request an Experian update and remove all old and outdated information on the credit file. In refusing to reply to my request after 30 days, they have violated my consumer rights to fair and accurate reporting on my credit file.
Consumer complaint received 2022-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

After debt was verified to be forged and fraudulent XXXX was supposed to delete the records and all information about me and my XXXX child, dispose of them accordingly and was NOT TO RESELL DEBT. XXXX XXXX had previously violated 33 of my consumer rights and yet again violated another one. XXXX resold fraudulent debt to XXXX XXXX XXXX on or around XX/XX/2022. This account was once again placed on my consumer reports further damaging my character.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-Atlantic Portfolios, LLC (NJ)

According to 15 U.S. Code 1692g, which governs the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper notice of the debt and an opportunity to dispute it within 30 days before reporting or publishing it to any credit reporting agencies. 
If you feel this is my debt and you've sent proper notification please send me the certified copy of the proper notification, proper receipt bearing my signature and name on it.
Consumer complaint received 2023-01-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

I just updated my credit report yesterday and after going over, I saw a collection name CREDIT COLLECTION SEV ( PROGRESSIVE ) that do not pertain to me, so I have been disputing this inaccurate accounts since XX/XX/2022, that I did my first dispute with the credit bureaus, unfortunately, after a few months this account still remains on my report, I am now reaching out the CFPB, because I really need this collection account off my report because I'm not the debtor of this alleged collection account.