davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (UT)

I was charged {$470.00} more than authorized on a rental car through XXXX XXXX. I disputed this amount with my credit card and they reversed the unauthorized amount from my bill. However, XXXX mailed me an invoice in an attempt to collect the {$470.00}. In this letter it gave me the instructions on how to dispute this charge with them properly. I followed these instructions perfectly ( I was instructed to respond in writing within 60 days. I received their first notice on XX/XX/2022 and mailed a response with the details of why this charge was not valid, I confirmed receipt of my written response on XX/XX/2022. Per their first notice they are obligated to respond to my letter and acknowledge receipt within 30 days of receiving it. They did not do this, it also states that they can not try to collect on any amount, nor can they report me during this dispute. They have 90 days to resolve this or explain why it is correct, they did not do this either. The next communication I received was today XX/XX/2022 from a collection agency names XXXXiking Service, I told him this amount was in dispute and XXXX was required to notify me before they are able to report this or attempt to collect on it. He stated XXXX never communicated that to his company and that he was a debt collector. His email address is XXXX and his phone number is ( XXXX ) XXXX. I have attached the letter I received, a copy of the letter I sent to them in response, a copy of the tracking showing when this response was received by XXXX, as well as the " rights and responsibilities '' I was given from them.
Consumer complaint received 2020-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

On XX/XX/XXXX, I upgraded my XXXX XXXX XXXX to the XXXX XXXX which would have closed my current loan with Citizens One for my XXXX  and opened a new loan for the XXXX. When I received the product I decided that I did not want to upgrade and I wanted to wait until the newest phone came out so I returned the XXXX XXXX that I received and got confirmation that the phone had been fully returned and was received at their warehouse. I called Citizens One to let them know and they told me that it usually takes a few weeks for the loan to be cancelled and my current loan to be taken off of a " Hold Status '' and put back into normal payment status so I could continue to make the payments until the new phone came out. I checked back in at the end of XXXX and the loan was still on hold, I called both XXXX and Citizens one about this issue and they both said it could take up to 60 days for everything to go back to normal. I checked again in early XXXX and again saw the loan still on hold and no payments had been taken for my current loan for my XXXX XXXX XXXX that i still had. I called Citizens One again and they again told me it was an XXXX issue and that their back office hadn't sent them information to let them know that the phone had been returned and my current loan to be resumed. However, the loan that was opened for the XXXX was CLOSED and showed the refund to XXXX so I asked why this wasn't good enough to show that the phone had been returned and no one could answer my questions. I conference called Citizens One with an XXXX support specialist and the billing specialist that we were speaking to at Citizen 's One was rude and could not give us any information as to how XXXX normally goes about correcting this information and she said that we would have to figure it out on our own because it was not her job to fix XXXX XXXX mistakes. This has been going on for almost 5 full months and I am very frustrated as NO ONE from either XXXX or Citizens One can help me figure out how to correct this issue. I am filing this complaint because they are withholding my ability to make payments on the current loan I hold because of their back office communication problems. The attached documents show that the new XXXX loan number on the original invoice from my purchase is no longer open - as it has been paid off ( because the phone was returned ). There is the confirmation of receipt of return and a screenshot of my Citizens One online account showing my loan is STILL in " Hold '' Status.
Consumer complaint received 2020-11-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (HI)

Hello, and I hope all is well. Thank you for taking the time to review the complaint. Purchased car XX/XX/2014, signed contract, drove off the lot. XX/XX/2014 sent a new contract to sign. Email is about gap insurance. In 2014 entering into an agreement with XXXX XXXX XXXX XXXX. for a XX/XX/XXXX XXXX approved for a loan payment of XXXX/ month. Multiple violations occurred during the time of sale. Violations of the UDAAP ; Strategic and Credit Risk. 
Exposing the borrower to credit risk due to the loan 's modifications- At the time resilience score was moderate ; not using risk mitigation strategies, the bank failed to monitor, modify, and control risk. The Initial bill of sale is to ensure payments were able to fulfill the duration of the term. Modifications were the GAP insurance and The Car Warranty. With increasing material losses and Bank failures, my credit score and creditworthiness are compromised. Please review the attached emails. 

Unfair Deceptive Abusive Act Practices.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC (NJ)

XX/XX/XXXX : I first recieved a notice that I was being sued by Lyons, Doughty & Veldhuis ( LDV ) regarding an alleged debt. 

XX/XX/XXXX : I filed a response/opposition and was notified by LDV that this matter was no longer being pursued. 

XX/XX/XXXX : A notice for a default judgement was sent to an address of a home that I do not own. I was never given a summons with a court date for which I needed to appear. 

Amongst many other shady tactics, the fact that this company pulled this stunt during the middle of the 2nd wave of a pandemic for which I have lost MULTIPLE loved ones is inhumane to say the least!
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Citibank Credit Card Money withdrawal from Atm machine and unauthorized transactions, with the credit card in my possession. Dispute department, did not help to recover fraudulent charges. Ended result with phone hung up on me.
Consumer complaint received 2021-01-18
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. (OH)

This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-01-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days. 
Portfolio Recovery {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Consumer complaint received 2022-10-12
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. (NV)

On XX/XX/2022, I sent a letter requesting for validation of alleged debt from XXXX XXXX account numbers : XXXX and XXXX. I received the letter today XX/XX/2022 from XXXX XXXX dated XX/XX/2022 and failed to send me a proper validation and did not send me a what i asked for. and while i request to cease any collection reporting till the matter is resolve, they continued to report and that is violation according FCRA. i attached the copy of their response and the letter i sent to them and to the credit bureaus. 
USPS certified tracking : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/XXXX I submitted a dispute to XXXX. In this dispute, I asked XXXX to remove Portfolio Recovery Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. Portfolio Recovery is reporting a time-barred account. On XX/XX/XXXX XXXX responded to my complaint stating the information had been verified as correct. XXXX did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the XXXX response I received, XXXX is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For XXXX to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. 

Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Consumer complaint received 2021-07-16
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: EQUIFAX, INC. (NC)

I was checking my credit reports and noticed an unauthorized account furnished on my credit report. XXXX XXXX  account opened XX/XX/2013 ending in XXXX should be removed from my credit report. I did not consent to, authorize nor benefit from this account. Block and remove it. I have filed a FTC Identity Theft report which is attached. If I received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of this transaction.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OK)

Today I found out that my Best Buy card has been charged a monthly fee for " Debt Protection. '' I called Best Buy to see what this was and when I had purchased it. They said that it was in case I ever lost my job, died, etc, so I could keep making payments, and they said it had been on the account since I opened it in 2005. I never noticed this before, because I generally pay the bill online and only look at the amount due because I rarely use the card, and have primarily only used it for large purchases. In other words, I trusted Best Buy and assumed that a handful of transactions + interest would show up on my statement in a given year. At any rate, since 2005, I have been charged over {$5000.00}, although the representative could not give me an exact amount because the card was no longer serviced by XXXX, who serviced the original card ( I am attaching the statements I was able to access ... you'll be able to see year-to-date for the last three years ). 

This whole thing is problematic for a few reasons : 1 ) I never purchase or agree to these types of plans. They are a waste of time and that is why I have insurance/disability. It would be very out of character for me to agree to something so trivial. 2 ) I have no recollection of agreeing to this plan, and I have a pretty good memory. I remember specifically setting up this account in the store and paying close attention to what the representative was saying as he explained everything. I was careful about what I agreed to and what I did not agree to. This was my first credit card, and I researched it and asked lots of questions before signing a single thing. 3 ) This is not the first time something like this has happened. I have heard from close friends as well as countless people on Best Buy message boards who were mislead by Best Buy employees who used unethical tactics to take advantage of customers. 

I have spoken to several people inside of the Best Buy organization and they have told me that this will need to be reviewed. However, I was never given that option. Instead, they took money from me without my knowledge or consent for years. So, I would like to file a complaint and ask that they return every penny.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX
Consumer complaint received 2020-11-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan motor acceptance Corp is Reporting to the credit agencies that my lease is not paid off and I have an open balance of XXXX. They are doing this because I didnt pay for car damages when the lease is returned. 

I am kindly demanding that Nissan stops reporting my open lease balance and closes the account in reporting to the agencies. After that I will pay the damage fees.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (TX)

XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.
Consumer complaint received 2020-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I was paying off a utility/Electric Co, XXXX  on a monthly basis. The balance was {$85.00}. It was reported and turned over to XXXX XXXX XXXX in the amount of {$120.00}. Then to another Collection Co also. I called XXXX and the tild me not to pay them, but to pay XXXX. I did. I paid XXXX {$110.00}. It took me 2 mo 's and 5 calls to get a paid receipt from XXXX. The paid receipt shows account paid at {$110.00} to XXXX only. Not XXXX XXXX  also. My account was to XXXX only. Now XXXX or XXXX won't confirm the payment to XXXX or XXXX. The account has beed paid in Full. I have a Receipt. This must be removed from my Credit report please.
Consumer complaint received 2023-06-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC (TX)

Equity Prime sold our mortgage to XXXX XXXX with a negative escrow amount that is erroneous and illegal in the state of Texas. 

We are 100 % XXXX property tax exempt from the day our mortgage papers were signed. 

I have called EPM and can get no where as they do not have a single person i can call that is in the United States. 

They admit they charged us over XXXX in taxes and sold the loan with it. Due to their issues we are being charged now XXXX by the new mortgage servicer and being told we have to get the money and or resolution ourselves. We can not do anything and we have tried.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

During Covid I was unable to make 6 payments. I then paid the card current plus XXXX  under the limit. I had never been late or over the limit before Covid. They closed my account. I went on chat with a rep that after reviewing my account said no problem they would reopen the account, I just needed to verify it was me so I needed to call. The rep on the phone said it could not be reopened because I had been late 3 times in a year. I then got back on chat and the rep said to call back and talk to a manager. The manager told me again I could not reopen the account. I then responded to the chat that the manager would not do it. At this time the rep on chat say 's I can't reopen the account because I was late 3 times in a year.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IN)

On XXXX the XXXX, I recieved a loan from the SBA, they sent me XXXX on XX/XX/XXXX at XXXX XXXX.XXXX., the money was available all day until about XXXX. I then received a phone call from citibank, stating I needed to approve some transactions, and answer some security questions, when I called, it went from that, too my account is being frozen from me putting buisness funds, with personal money, being told this was okay for me too do by the loan officer at the SBA, I did so, well they froze my account on XX/XX/XXXX, and have yet to either release my funds and let me use them, or have yet to send them back to the sender/sba. I need help with getting my money sent back, or released too me, because, when I call citibank, they lie too me, hang up on me, and have been told different things by many different people at citibank fraud dept and customer service, ive tried calling at least 70 to 100 diff times, and faxed over note after note, at least 100 faxes, still nothing, here I sit with out my money, its ruining my life, that money was meant to help me out, and now im struggling more than ever at the expense of citibank. They have the worst customer service dept I've ever experienced, plz help me get my money back ty p.s. I have sent in my loan docs, my tax info for XXXX XXXX, and I have sent in my DBA and my EIN for my buisness proving who I am and who my buisness is, I sent this info in on XX/XX/XXXX and nothing has changed still lied to by customer service and told nothing basically. PLEASE HELP ME
Consumer complaint received 2020-10-24
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. (MO)

On XX/XX/2020, and XX/XX/2020, I wrote to XXXX, Transunion and XXXX  requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.
Consumer complaint received 2022-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (FL)

Sun coast credit union committed insurance fraud. I was late on payments and my vehicle was out for repossession. Upon being notified I reached out and paid owed balance and repossession fees bringing the loan status to current. After this I continued making the monthly payment when XXXX contacted me stating the bike is out for repossession again by them. Sun coast credit union claimed a total loss on the motorcycle and took a payout leaving me to pay the difference of {$2800.00} which is still on my credit report. After talking to XXXX XXXXXXXX numerous times they are unwilling to do anything in the matter except take a settlement. This is just wrong.