davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

On XX/XX/year>, I sent a cease-and-desist letter to Hunter Warfield, requesting that they immediately stop all communication with me regarding an alleged debt. In the letter, I stated that I disputed the debt and that any further contact would be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I also explicitly requested that they not contact my workplace or me directly in any form, written or oral. 

Despite this, on XX/XX/year>, I received an email from Hunter Warfield regarding this alleged debt, specifically mentioning XXXX XXXX XXXX, XXXX. This communication was in direct violation of my cease and desist request. Furthermore, they have continued to attempt to contact me via email, phone, and other means after receiving my cease and desist. 

I believe this repeated contact is a clear violation of the FDCPA, which prohibits further communication once a valid cease and desist request has been made. I am filing this complaint because Hunter Warfield has failed to comply with federal debt collection laws, and I request that they cease all further communication about this matter.
Consumer complaint received 2024-10-15
Product: Credit 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: Prosper Marketplace, Inc. (AZ)

In XXXX of XXXX, prosper XXXX  XXXX  failed to verify where payments came from. Several payments were made to my account from another source and bank account and the card was fraudulently used. I did not authorize these transactions and believe my account has been compromised. I have already taken steps to secure my information, including changing my account passwords and monitoring my accounts for any further unauthorized activity. 

Please investigate these charges and remove them from my account. I would appreciate your prompt attention to this matter. I was also not notified each payment that was made. I was on time with payments until this happened and have since tried to resolve this matter.
Consumer complaint received 2022-12-19
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: BARCLAYS BANK DELAWARE (CA)

I have a loan with BRCLYSBANKDE. The current status should not be showing late because I paid it on time. XXXX and XXXX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
BRCLYSBANKDE XXXX Date Opened : XX/XX/2019 Balance : {$1800.00}.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In XXXX, we built a new home in XXXX XXXX, IL, took out a ARM with Fifth Third Bank in the amount of {>= $1,000,000}. 
In XXXX, as interest rates dropped from 6.25 % to 4.5 %, we tried to refinance with the bank, but despite excellent credit scores and income, were denied because the value of the house had declined to a point where we didn't qualify to refinance. 
Between XXXX and XXXX, XXXX, we tried 7 times to refinance ( including a request for loan modification ) with Fifth Third Bank, and were denied each time due to valuation of the house. 
In XXXX, XXXX, having been unable to refinance with the bank, we decided our only option at our ages ( XXXX ) was to sell the house since we could not afford to keep it in retirement. 
After 7 months on the market, a buyer signed a contract to purchase our house at a price below what we owe 5th 3rd Bank. Since we do not have the funds to pay the difference, we submitted a request to 5th 3rd to approve a short-sale. 
The bank, under the guidelines set forth by CFPB, sent us a retention option plan of action that would start in XXXX, XXXX. However, given our age and desired to retire, we notified the bank that after seven years of being unable to refinance, selling the house was the only option, and that the terms of the retention option were not ones we could afford in retirement. 
Unfortunately, we were told today by the bank that under the rules of the CFPB, the bank can not move forward on the short-sale purchase until it has gone through all of the potential retention options even though we, as the owner, want to bypass those options and proceed with the sale of the house. It said we could not " opt out '' of the retention option offer. 
Since the process involved with the proposed retention option would take 3 to 4 months to go through, we have the major risk of the buyer walking away, and being back at square one with no buyer for our house. 
We are requesting that the CFPB allow 5th 3rd Bank to bypass the retention option it has laid out, and proceed directly to the short-sale offer from the buyer so that we can get the sale of our house done much sooner. 
Please advise whether this is something the CFPB can do for us. If the buyer walks away, our only option in the absence of a second buyer coming forward with a price higher than what we owe, would be to have the house go into foreclosure. 
Thank you very much.
Consumer complaint received 2021-12-10
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: Crown Holdings, LLC (MO)

XXXX XXXX  company repeatedly reported a debt I did not owe on my credit report. I called XXXX and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XXXXXX/XX/XXXX. After several disputes it was finally removed. I
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

in the month of XXXX i call capital one call in an payment on XX/XX/XXXX, i check back on my account on XX/XX/XXXX in which i spoke whith an capital one rep, he told me that my 25 min payment was deny by my bank the told him the reason why was because it was not money in the account to cover the payment, so we call my bank which is XXXX ( XXXX XXXX ) an rep from them told capiital one rep that was an supervior, that the reason why the money did noy withdrew was because, capital one fail to colcect, on the note, it was not because it was not money to cover the XXXX $ payment note, that they did not deny that, that capital one did colcect to note or the money, afther she confrim or told, them the capital one rep said thats funny, ask for XXXX banking info i told she the bank rep told them, then he said ok, we capital one is going to corcet this.the bank rep hange up me and the capital one rep was on the line he told me to hold on, he was going to fix it, or corrcet it, he came back on the phone said the bank said that the reason why was because it was not money to cover the payment, then i told him " we just got off the phone whith my bank she told just mins ago that that was not the reason why, that it was beacause of you all, why did not you colcect the note '' ) i also ask if i can faile an complant so i can get the statement letter ect..he said no.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AZ)

Notice, am XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX. 

This written request is in response to consumer reporting agencies ( i.e XXXX, XXXX or Equifax ) decision to decline to block the information I have identified as identity theft. I have the right to believe and do so believe that the consumer reporting agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be conspiring against my rights according to 18 USC 241. 

I have yet to receive any notarized affidavit from a consumer reporting agency or Senior Executive of the company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ) stating that I received goods, services or money under penalty of perjury and provide lawful proof. 

I am challenging the accuracy and integrity of the consumer reporting agencies and each company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ). I have attached documents of my consumer report which include many inaccuracies. 

XXXX XXXX XXXX XXXX : The date opened, balance, number of months ( terms ), past due, and payment status are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX : The monthly payment, date opened, balance, number of months ( terms ), last reported, date last active, and date of last payment are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX as a furnisher must substantiate the alleged account with records at the time it was furnished. These companies must minimize the likelihood that information may be reflected inaccurately on my consumer report. 

Each consumer reporting agency prepares my consumer report and must follow reasonable procedures to assure maximum possible accuracy of the aforementioned information concerning my consumer report. These procedures include, but are not limited to, the investigative reports that I have yet to receive. 

In order to comply with federal law, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX must provide full disclosures ( i.e any actual records of accounting ), a signed invoice, proof of equal consideration, and a true copy of the contract with my blue wet ink signature and XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX wet ink signature. 

In the event XXXX XXXX XXXX XXXX or XXXX XXXX XXXX fail to provide said documentation, I demand that all alleged accounts from either company be properly recorded and officially acknowledged within their records and any other agencies as non-existent, including but not limited to, all debt collection and/or consumer reporting agencies. 


Signed, Without Recourse. XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (NY)

Disputed ( XXXX ) XXXX XXXX authorized user account twice with the same result. Came back as verified but Im not an authorized user on this account. I have no knowledge of this account and I have no card/info for this account. If I said I dont know whos account this is how are they still legally allowed to have this account on my report? 

I called XXXX and they said i have to be the primary account holder to remove myself. How does that even make any sense? Dispute doesnt work so how do I get this account off my report exactly? 

XXXX removed it without an issue. Its always ExperianXXXX that gives people headaches.
Consumer complaint received 2019-01-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (TX)

I found out that I was a victim of Fraud and someone falsely used my identity as a co-signer on a auto loan. I was not aware of this until XXXX XXXX had gave me a call. They stated that the person who stole my identity had gap insurance and that it would cover the debt. Although I told them this is not me they continue to report this as a charged off on my credit report. I would like an investigation to show proof as me as a co-signer and have the debt removed.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This company has violated my consumer rights in many occasions. 

Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) it states, " the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. This means, that late payments, charge-offs, repossession, should not be included on my report as those are transactions and experiences.

Pursuant to 15 USC 1601a states " The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. '' Their obligation to inform me with the disclosures, has not been fulfilled. Hence, making an uninformed decision because it was not clear nor explained adn the contract became null and void when this was law was not exercised. 

Lastly, I have a right to privacy! This " chargeoff '' being placed on my credit report has stopped me from being able to purchase a vehicle without a cosigner and it is a DEFAMATION OF CHARACTER.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

Sent two emails in XX/XX/2021 to XXXX advising them of an address change, never heard a reply back from Nelnet. Spoke to XXXX at Nelnet on XX/XX/2021, he advised that they have two different systems, I provided him the updated address which is : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. 

Please confirm that this is the address that I will be mailed the post discharge monitoring form. Also, please confirm that I am in the final year of the post discharge monitoring period.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (VA)

I am a victim of identity theft, where my mother used my personal information to open an Apple Card in my name without my authorization. I have filed reports with the FTC and contacted both Apple and Goldman Sachs to resolve the issue, but neither company is taking responsibility. Apple refers me to Goldman Sachs, but I am unable to reach a representative because their automated system requires the phone number associated with the fraudulent account, which I do not have. This has left me in a frustrating loop, with neither company addressing the fraudulent account or assisting me in resolving the issue.
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Assistance Corporation dba Revenue Group (SC)

XX/XX/XXXX, I wrote a check on a XXXX XXXX Account with more than {$10000.00} in it to pay for a {$960.00} appliance repair. 

XXXX XXXX, I received a collection notice for that amount from Revenue Group. I requested more info from Revenue Group. 

XXXX XXXX, I filed a complaint with XXXX XXXX XXXX about the fact that I had paid the bill and had received a notice from Revenue Group. I can provide the case # to CFPB upon request. 

XXXX XXXX, a XXXX XXXX agent said she had contacted accounting to see what happened. She would let me know. 

XXXX XXXX, I had heard nothing and followed up. At the same time, I checked my XXXX XXXX account and found that the check had not been cashed. 

XXXX XXXX, I received this message from XXXX at XXXX XXXX XXXX : " The check did not go through. Once the consumer received a letter or call from the Revenue Group, they will have to make payment with them to clear. The check might have not cleared for several reasons. Possible security measures from their bank. Or a number keyed in incorrectly. And the list can go on. 

Please note, we are not saying you are to blame in any way. I am sorry for the lack of communication from the department that works with payments. I will make sure to have your statements from your emails documented in this case. '' XXXX XXXX, I complained that they should have contacted me directly when the check did not clear, and I would have paid it immediately. They should never turn an account over to a collection agency without making at least two attempts to collect. They admit that it may have been their error that led the check not to clear.
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

On XX/XX/2018 XXXX XXXX  sent a check in the amount of {$55000.00} to pay off our son 's student loans. The check was made payable to XXXX XXXX in the said above amount and deposited on XX/XX/2018. We have a copy of the check that was sent showing it was deposited. We are getting collection notices, and they are adding interest to the amount. They ( XXXX  XXXX ) can not find where the money was applied to. 

We called and talked to a XXXX ( Call center rep ) # XXXX who did not have a clue. I asked to speak to a supervisor. I spoke with a supervisor named XXXX # XXXX who also could not find out with happened to our payment. 

Could someone please help us with this problem.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (TX)

on XXXX i sent a letter regarding inaccurate and unknown things on my credit report. till this day over 19 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 605B ( 15 U.S.C. 1681c-2 ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of, appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. A failure to investigate these items within 19 days gives a reason to immediately remove those items from my credit report, it has been over 19 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the Equifax data breach complaint # XXXX which is attached.
Consumer complaint received 2022-11-04
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: Avant Holding Company, Inc. (MD)

I contact Avant because I paid early for my credit card on XX/XX/XXXX instead of XX/XX/XXXX. Avant charged me a late on XX/XX/XXXX for paying early and it made went over {$18.00} which I paid. Now Avant is charging me {$42.00}. 

Avant is charging me a late fee for making a payment on XX/XX/2022. My bank account demonstrates I paid Avant on XX/XX/2022, my payment is due XXXX XXXX. Then they charged me a late fee on XX/XX/2022. 

Then it went over {$18.00} which I paid now they want me to pay {$42.00} which is unfair and deceptive practice because I paid early. They are trying to enrich themselves with interest and late fees.
Consumer complaint received 2018-12-19
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: JTM Capital Management, LLC (DE)

I have been contacted by XXXX repeatedly stating she will be serving me with a court date to sue me at my home if I do not call another number before tomorrow. I called the XXXX number and was told they dont know who XXXX is, but they are serving me legal documents at my home. The man did not give his name, would not verify anything about the debt, but said I could start a payment plan and he was from XXXX XXXX XXXX. Otherwise, they will take me to court and garnish my wages. I checked with the original creditor, XXXX XXXX, and the account was never sold to XXXX XXXX XXXX, who is the number I called. I am being harassed and threatened. Please put a stop to these companies.