davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (GA)

The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX  and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NC)

Received notification that Sunrise Credit Collections placed a collection account on my credit profile. This company did not provide any information to verify the debt is owed by me. This company is in violation of the FCRA reporting standards.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (MI)

I am writing to dispute inaccurate information on my credit report and discharging of said fraudulent loans. In XXXX, XXXX XXXX discharged XXXX loans after verifying my identity theft claim. These loans were fraudulently opened in my name and should not be reported. 

Despite multiple disputes, including, these fraudulent accounts remain on my credit report. The responses from the credit bureau indicates the information was verified. However, these loans were taken out virtually, without a physical signature and confirmed as fraudulent by XXXX XXXX during its transition phase to XXXX. XXXX was provided with the discharge letter from XXXX XXXX, as well as all of my documentation connected to the dispute and refused to remove the loans. XXXX has since then been banned from ever servicing loans again due to engaging in abusive, unfair and deceptive acts towards borrowers in multiple ways, to which they transferred to AidVantage. Thus they have become the new owner of the fraudulent loans and despite receiving all relevant information, have refused to remove the accounts as well. 

XXXX XXXX - XXXX {$4000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$4400.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$5500.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$2600.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$11000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$10000.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$4900.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$1400.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$5200.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Subsidized {$3100.00} 0.000 % XX/XX/XXXX Show more information XXXX Direct Loan - Unsubsidized {$3800.00} 0.000 % XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc. (CT)

XX/XX/year> KIKOFF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Debt Account : XXXX Dear KIKOFF INC I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws.

The debts in question were not discharged in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law.

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA. 

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt. Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies. 

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately. 

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company.

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snap Credit, Inc. (NY)

Hello I want to dispute a charge that is being collected. I recently received notification yesterday about collection debt. I immediately call ( XXXX ) XXXX and spoke with XXXX XXXX. I was told that Snap from XXXX  file a charge and is trying to collect a debt. I do not recognize this charge or Snap and i have not lived at XXXX XXXX XXXX. I reported this being a fraud activity and i feel this is identity theft. I would like this to be removed i have never had collection or missed any payment my credit has been great and i dont have no debt this is hurting my credit score. I need an immediately attention to this matter
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (AZ)

In XX/XX/year>, I entered into a lease agreement with GM Financial for a vehicle. In XX/XX/year>, I relocated from XXXX XXXX XXXX, requiring me to re-register the leased vehicle with the Arizona Department of Transportation ( ADOT ). ADOT mandates that GM Financial, as the lessor, provide specific documentation, including a Lessor Authorization and Power of Attorney, to facilitate this registration. I promptly submitted a Relocation Request Form on GM Financials website and followed their outlined procedure to initiate the transfer. 

Starting in early XX/XX/year>, I began reaching out to GM Financial to ensure the necessary documents were sent to ADOT. I faxed and emailed the Lessor Authorization and Power of Attorney forms to GM Financial multiple times. Since submitting the initial relocation request, I have made numerous follow-up calls and emails, seeking confirmation and tracking information that the required documents were sent to ADOT. 

On XX/XX/year>, a representative from GM Financial informed me that the documents had been sent to ADOT. However, when I visited ADOT on the same day, I was told that they had not received any documentation from GM Financial. This has left me unable to legally register my vehicle in Arizona, as ADOT can not complete the process without these documents from GM Financial.

As of today, GM Financial has failed to provide me with tracking information or any substantial proof of submission, despite my continued efforts to obtain this information. Each time I contact them, I am given vague assurances that the issue is being " handled, '' yet ADOT remains without the necessary paperwork. This lack of accountability from GM Financial has put me at risk of legal penalties for driving an unregistered vehicle in Arizona, as I am unable to comply with state registration requirements due to their inaction.

This ongoing issue has caused significant stress and inconvenience, as I have spent over 10 hours attempting to resolve this matter without success. I am requesting the CFPB 's assistance in ensuring that GM Financial fulfills its obligations, allowing me to legally register my leased vehicle in Arizona.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MI)

I had a XXXX XXXX through Wells Fargo. Wells Fargo withdrew money out of my connected back account as a payment that was never authorized or needed as the balance of the card was XXXX and the card was not used for months leading up to the withdrawal. I have been fighting customer service for months trying to get this settled and have put in XXXX complaints with their executive office. Neither time have I heard back within the time frame I was told/at all. I currently have a credit of XXXX on the account but am having to fight customer service again to get that refunded to be as the card was reported lost or stolen when I never reported the card as such. It has been weeks after reaching out and many phone calls later with no escalation and no response. All I get is we cant get ahold of your case manager right now. I will be taking this to a lawyer if it is now solved and my money refund. If a lawyer is needed additional compensation will be required. Wells Fargo customer service is the most incompetent out of any bank I have ever experienced. The case manager for the most recent complain is XXXX XXXX.
Consumer complaint received 2020-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

The State of Virginia offers property tax exemption for XXXX XXXX XXXX and XXXX XXXX veterans. I have provided my mortgage company with the required documents as well as additional requested documents that include a sealed and certified letter from the state that verifies my exemption status. I have called Freedom Mortgage multiple times to have them fix the situation but they continue to request additional documents.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX-XXXX  contractors who represented the Hero and California First programs came knocking at my door to make my house energy efficient and bring my utility bill down. I had just lost my husband to sudden death and yes the house was in need of repair. These contractors totally misrepresented themselves and did not totally explain the truth. 
By XX/XX/XXXX my property tax bill which normally ranged between {$600.00}. to {$700.00}. was now over {$5000.00}. this raised my mortgage payments to over {$2200.00}. I had no equity because before my husband died he refinanced our home to receive the capital he needed to for a business. Just as I was ready to walk away from my home my children told me to apply to Keep Your Home California, Thank God they accepted my application and awarded me {$97000.00} to reduce the principal balance. These funds went to my Mortg. servicer XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX Ln. XXXX When they received the {$97000.00} I requested that they pay off the super leans from the Hero and California First. which was raising my mortg. pmts. They said no they could not. I think they are in default in handling these funds that were granted to me to help me and now that the taxes are over {$8000.00}. my mortg payment is getting harder to pay.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Noticed CFPB # XXXX Was never registered with supporting Documents HOWEVER TransUnion was sent with supporting documents Registered Letter see attached TransUnion has taken all 5 months with frivolous responses SEE ATTACHED the Ca attorney General has been notified XXXX AS WELL SENT REGISTERED LETTER This does not meet exstensions to prolong ALL BOTH AGENCIES RECEIVED DOCUMENTATION THAT QUALIFIES IMEDIATE REMOVAL AND CORRECTIONS EXAMPLE LISTING COMPANIES THAT ARE LISTED UNDER BANKRUPTCY also I would like to add XXXX and there employee XXXX has been asked to be removed from my case as well CA Attorney General was notified as well HE THINKS ITS A JOKE refer to recorded phone calls
Consumer complaint received 2020-02-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (NC)

We closed in XX/XX/2020. There was significant checks involved with upwards of 15 to 20 creditors. The company New American Funding New American Funding - ( XXXX, CA XXXX ) did not pay off my creditors directly, rather mailed checks I got a week later. There was one errant account included that grossed up my mortgage by ( XXXX. They have since taken it back but I still have no replacement funds either reducing or a cash back ). I sent all large checks - {$800.00} plus to the credit card companies with tracking - USPS lost one - so now I have another {$1000.00} lost. Because of their business practices that favor their bank account balances by forcing a MONTH OF FLOAT! I am paying interest on some debt in 2 PLACES!!!! 

I feel that this is illegal.
Consumer complaint received 2020-02-18
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: Experian Information Solutions Inc. (MD)

experian { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, experian declined to address problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (FL)

Myself and a roommate moved into an apartment managed by XXXX XXXX XXXX XXXX called XXXX XXXXXXXX XXXX XXXXXXXX XXXX. We discovered within one day that the unit was infested with roaches. Property management agreed to terminate the lease at no charge because it was within 30 days of move-in. They stated we wouldn't receive a refund on any of the prorated rent payed even though we didn't spend even a single night in the unit due to the disturbing living conditions. We returned all keys and vacated the unit where they once again reassured us there was no balance due. Seven months later I was notified of a change of my FICO score where I discovered a {$50.00} collection being reported originating from XXXX  XXXXXXXX XXXX XXXXXXXX XXXX. There was never a single notice given, never a letter, email, phone call, or voicemail received by myself or my roommate about this alleged debt or its being sent to collections.
Consumer complaint received 2024-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I bought a {$300.00} American Express eGift Card and I can't use it anywhere online. It keeps getting declined. Tried insurance companies. Tried XXXX- which complained about the zipcode? I put in my home zip code. Can't use this egift card anywhere? Read online that lots of people are having trouble too. It gets declined everywhere.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (GA)

[ XXXX LLC C/O XXXX A XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ SQUARE ] [ SQUARE INC XXXX XXXX : Formal Notice of Violation of Merchant Consumer Rights and Demand for Amicable Arbitration Dear [ SQUARE INC XXXX XXXX I am writing to formally address the illegal deactivation of my Square account associated with your services and to demand the immediate reinstatement of my account. The deactivation occurred without appropriate notice or a factual basis, constituting a violation of my consumer rights as a merchant. 

On [ XXXX ], my Square account was deactivated without any prior warning or explanation adhering to the terms and conditions outlined in our agreement and applicable law. Notably, just XXXX hour prior to the deactivation, I had spoken with a representative to verify and correct my account information. During that conversation, there was no mention of any infringement on agreement terms or any issues that would warrant such drastic action. 

This arbitrary decision has not only disrupted my business operations but has also resulted in the misappropriation of funds held in my account. 

Under relevant consumer protection laws and the guidelines established by Square, I believe this action is both unjust and illegal. I kindly request a detailed explanation of the reasons behind the deactivation, as I have not received any substantial or factual justification for this action. 

Furthermore, I demand an amicable arbitration process to resolve this matter effectively and efficiently. It is in our best interest to resolve this dispute without further escalation. 

Please respond to this letter within [ 14 days ] of receipt with the requested information and confirmation of the arbitration process. If I do not receive a response, I will have no choice but to consider further legal action to protect my rights as a consumer and seek recovery of the funds inappropriately withheld. 

Thank you for your immediate attention to this matter. I look forward to your prompt reply. 

Sincerely, [ XXXX LLC ] C/O [ XXXX A XXXX ] [ CEO ] -- -
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/year> and XX/XX/year> CCB/Ulta reported negative on my payments. I have reached out in goodwill but nothing from the creditor. I understand that according to federal law 15 U.S. code 168a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and person making the payment. I also understand that according to federal law 15 U.S code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. 

I am asking that the two late payments be removed from my credit report.
Consumer complaint received 2024-10-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WA)

I have 4 incomm prepaid visa cards. I've attempted to use them in-store and they would decline. When I called customer service, they said the cards are compromised and new cards need to be sent out. However, in order to do this, I have to submit receipts. Even though I have the physical cards, they still require receipts which I don't have. I have 4 card that have a balance of XXXX each. I'm requesting help to get these cards replaced.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC (CA)

eToro brokered an unsecured loan to me to create a cryptocurrency transaction. After the transaction was completed, eToro required that I provide a loan repayment from an outside source to be directed to an unknown addressee recipient. eToro refuses to let me repay the loan from my account so I can access my funds.

When questioned, eToro now claims it does not broker loans although our documents show otherwise. Now, eToro is holding my money hostage for repayment of a loan to an unknown source.

This is fraudulent and this agency needs to compel XXXX to open and reveal its customer service records with me and this agency. 
I have screenshots of the transactions and customer service dialogue available. 
XXXX XXXX XXXX
Consumer complaint received 2020-02-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/2020 we experienced water damage in our kitchen and called our insurance company to file a claim. It was discovered on XX/XX/2020 that our policy was not renewed/paid out from our impound account through Lakeview Loan Servicing, our lender. After numerous calls to Lakeview, with no less than 6 reps that day, we were finally advised that they had our policy renewal date of XX/XX/2020, when in fact it expired XX/XX/2020. We asked numerous times what our options were in this case, we even paid the policy in full out of pocket that day, and were told by Lakeview that they couldn't help us, even though this is clearly their error on paperwork. All loan/escrow docs had the correct insurance renewal date, but there system states XX/XX/2020. Our agent informed us that there should be forced place coverage from the lender for situations like this, and we still have not been able to get any help from Lakeview on getting this set up. Lakeview has been by far one of the worst mortgage lenders I have dealt with, and we are no closer to resolution. We haven inoperable kitchen, fans, and dehumidifiers and zero concern from the lender that caused us to have a gap in coverage.