davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (TN)

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : Credit Acceptance & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (WA)

On two previous occasions and again today XX/XX/year>, when I log in to Discover.com, select a CD that is maturing within 30 days, click 'Interest Settings ', then 'Edit ' on Maturity Instructions, I am shown options for renewing the CD. There is a button to click for information on how to close the CD, but as soon as I click on it I am immediately logged out of the website. The phone number I need to call in order to close my CD is displayed for less than 1 second before I am redirected to a 'session ended " logout screen. 

Discover is intentionally obfuscating the process to close a CD by disallowing me to view this necessary information. 

I have called Discover more than a month ago and informed them of this issue, but there was no follow-up or indications made that the issue would be corrected.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am rewriting to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Consumer complaint received 2015-08-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies.
Consumer complaint received 2015-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

This bill was paid by a XXXX insurance that I had that with that company at the time. Once they finished paying the XXXX 's I received a letter that it was paid in full. However now Midland Credit Management is now calling me after I sent them this information and then called them about this are calling me non-stop at least XXXX to XXXX times a day. each day from XXXX to XXXX I get at least XXXX phone calls. This is a harassing calls I have asked them to stop but they continue to do the same thing.
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

i was sued by XXXX for hsbc the debt is not mine there fraudlent charges on the acct they agreed in court to stop collecting the debt. 
and remove it from my credit report.Im getting getting harrassed by a company called XXXX .they do n't stop bothering and there violating the court agreement of docket number XXXXXXXXplease have them remove all negative i nfo from my credit report asap and stop harrassing me
Consumer complaint received 2024-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC (CA)

In XXXX I noticed false charges on my account for a supplement from XXXX XXXX XXXX that I did not order. I submitted a dispute with my bank and the charge was removed. However the company attempted to bill me continuously. I called their company, and they had an automated only call back system with no option to speak with a live representative. The call system provided the option to send back the product in order to dissolve charges or if there was no package to return, to dissolve charge without returning of the package. Since I had no package, and there was no way to speak to anyone about the fraudulent charge, I requested that the charge be canceled without returning any product. The automated message confirmed the charge was removed, there was no outstanding balance, and the account was closed. I called back to double check and there was no charges pending. Months later I began getting calls from a collector threatening my credit score if I did not pay. I explained the situation and they denied that the charges were dropped by the company. They claimed the package was sent to my address, however I never received any package and I already communicated it was a fraudulent charge. I eventually submitted a complaint with the XXXX against XXXX XXXX XXXX XXXX In XXXX XXXX responded back apologizing for the mistake and resolved to remove the false charges and clear my account- which they already claimed to have done. I hadnt heard anything since and this month the collector began contacting me again threatening my nonpayment. I communicated the false charge had been acknowledged and resolved with the company, but was told it was not resolved and they would mark my account as refusal to pay. Im at a loss for what to do at this point. The company was a scam, their automated messaging was a scam, and their response to XXXX was also a lie. I have reached out to XXXX to request copys of the conversation with XXXX for me to submit.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (NJ)

My Information was falsely used to receive a student loan. I have no knowledge of this information being given with permission. I have proof that I should not have had a student loan added to my account at the time of received due to the fact That completion of diploma was not received. I have received my student diploma the year of 2024 and can provide proof.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am writing to formally file a complaint against Portfolio Recovery Associates for their failure to comply with federal debt collection laws and consumer protection regulations. This agency has placed a collection account on my consumer report without following the proper procedures, as required by law. 

Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), the agency is required to provide debt validation information before reporting the debt to a consumer reporting agency. Despite this requirement, I has not received any such validation from them. Furthermore, the agency has not provided me with an opportunity to dispute the alleged debt as outlined in 12 CFR 1006.34 ( c ) ( 4 ).

In addition to these violations, Portfolio Recovery Associates is engaging in false, misleading, and deceptive practices in violation of the law. They have no authority to furnish any account to a consumer reporting agency without adhering to the mandatory disclosure requirements under 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681-S.

I am formally disputing the debt and requesting that Portfolio Recovery Associates provide the following : Full debt validation, including documentation that confirms the alleged debt is valid and that Portfolio Recovery Associates has the legal right to collect it. 
The original purchase agreement between Portfolio Recovery Associates and the original creditor. 
Proof of licensing and bonding to collect debts in the state of new york Additionally, I am revoking all consent for Portfolio Recovery Associates to contact me via email, text, or phone. All future communications must be made in writing only. 

I request that the CFPB take action to investigate these violations of my consumer rights and ensure that Portfolio Recovery Associates complies with the law. Their failure to adhere to these legal obligations is harmful and demonstrates a disregard for consumer protection laws.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I received an email from Dept of Ed stating that I had been incorrectly billed for my loans and was eligible for a refund from MOHELA. I called MOHELA. The first rep said yes, I should not have been charged for loans from XXXX XXXX. I called back to request a refund, since I never got a response to my email requesting a refund. The rep then told me that I was only incorrectly billed for XXXX and could only get a refund for then. I was told it would take 90 business days to receive my refund. I have yet to receive the refund. 90 business days is absurd. They can withdraw from my account " on time '' but they can not refund me in a timely basis? MOHELA is a scam company. I want a review to see if I should be given a refund for XXXX XXXX, and I want my overpayment refunded in a timely manner.
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (MI)

We had contacted our XXXX XXXX  in XXXX and XXXX about making a payment in our trial period. The XXXX XXXX agreed to the payment date ( s ) and amounts. We followed up with XXXX XXXX  multiple times confirming the payment plan. When we made payment as agreed, PHH denied the payment indicating we had not followed the plan and entered foreclosure process. We had multiple, multiple discussions with PHH asking them to review the tapes of the discussion with the XXXX XXXX and they have refused to provide copies of the discussions an to even review the tape. Upon complaining to a " XXXX XXXX XXXX  Manager ( XXXX XXXX ) he said he would follow up and advise. XXXX then called me indicating he had reviewed the tapes and we were correct and he would advise. We also offered a payment plan which would bring the account completely up to date, but we have heard nothing from PHH. They are now ghosting us and not returning calls, etc. We did everything possible to avoid this situation and the original XXXX XXXX agreed to our plan. We are protesting PHH 's actions as thier representative agreed to our plan.
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I replaced my flooring with XXXX XXXX  and they offered a credit option through Wells Fargo. I was apprehensive at first and had the money at the time to pay in full but the salesperson with an XXXX explained it was no interest for a year and I was instantly approved for XXXX. I figured if I paid it off in a year wed be good. They reported me to the credit bureau and closed my account taking my credit score from XXXX to XXXX in months.
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (FL)

The property XXXX illegally submitted an erroneous move-out charge to collections despite the amount being in dispute, without notification of its dispute status. The collection agency was made aware of the dispute by me. The property XXXX stated in writing on XX/XX/year> that the amount was corrected to {$0.00}. The collection was placed on my report XXXX months later, despite it being resolved.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BELMONT FINANCE LLC (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercury Financial Intermediate LLC (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company is reporting on time payments that were never issued in order to re-age this account and make it more appealing to collection agencies. They aree claiming to have recieved payments XXXX, XXXX and XXXX of XXXX. I would have made no payments to this account during this time. They are also reporting on time payments fro, XXXX XXXX XXXX thru XXXX of XXXX. This information is false as I would not have been able to make any payments during this time period. I have request proof and method of these payments and have been ignored.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I made a wire transfer at the branch located at the XXXX store on XX/XX/2024 to my XXXX account. Wire transfer was completed prior to XXXX XXXX XXXX As per the bank policy, the wire should have reached the XXXX Bank account on the same day since the wire was initiated prior to XXXX XXXX. There was a pending payment to IRS at the XXXX bank due on XX/XX/XXXX. To my dismay, Citizens bank did not complete the wire transfer until Monday XX/XX/XXXX. This caused the IRS payment to be returned from the XXXX bank account due to insufficient funds. IRS charged me {$XXXX} for dishonored check. In addition, IRS also charged me {$XXXX} for interest and {$XXXX} for failure to pay in the month of XXXX. There are multiple factors that are being overlooked by the bank including ( 1 ) Wire was initiated at the XXXX branch by the instructions provided by the customer representative at the branch. ( 2 ) The transaction was done at XXXXXXXX XXXX XXXX  which is well within the cut off for wires which is XXXXXXXX XXXX. ( XXXX ) What is the reason for flagging the wire for review when there are enough funds in the account? What additional review is being done by the bank? There is no transparency on this additional review and is making it up to cover the system failure ( 4 ) I am a XXXX customer and have enough funds in the account ( 5 ) This was a system error and bank is trying to cover it up. I have proof saying that it is a system error
Consumer complaint received 2015-08-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASHCALL, INC. (NJ)

I was given a payday loan of {$2600.00} from a Company called XXXX XXXX back in XXXX of XXXX. This loan was illegal in my state of NJ. I found that out after taking the loan, and after I had paid back over {$1800.00}. Payments were {$290.00} per month, and hardly any of it went to principal ( probably less than {$20.00} a month ). 
Once this loan was issue, it was immediately taken over by some company in California called Cash Call so that it would look like a legitimate installment loan. 
I was advised not to pay anymore money to this company in XXXX of XXXX. They were taking money out of my bank account, but I changed the account number once I was told not this loan was illegal. 
I have complained about this company previously. They keep sending me offers to make payment on a loan that has now grown to over {$10000.00} ( {$10000.00} ) from an original loan of {$2600.00} of which payment of {$1800.00} had been made. 
They are asking me to settle this loan for XXXX lump sum of {$1200.00} by XXXX/XXXX/XXXX, or make XXXX payments of {$170.00} starting by XXXX/XXXX/XXXX. 
I am not paying them another cent for an illegal loan that they did not initially make! 
Why are these people allowed to stay in business???? they are crooked and charge up to 300 % in interest. 
I want them to cease and desist their collection efforts and wipe this loan off their books and my credit report. Pls help.
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I applied for a checking account ( Citigold ) with Citibank online on or about XXXX XXXX, 2015. Due to glitches with their computer system, I was not able to complete the application for several days. The account fee is {$30.00} a month ( first two months of fees are waived ), and I also submitted a code to obtain XXXX Citibank " Thank You Points '' upon completion of qualifying activity ( which consists of paying XXXX bills online for XXXX consecutive months ). ( These points would be worth {$520.00} in airline tickets if I booked through Citibank 's travel website, so there is definite value here. ) Yesterday, I received a rejection in the mail. The letter stated that the reason for the rejection was due to information contained in my XXXX credit report. I immediately pulled up the report, reviewed it, and found nothing to warrant the rejection. My credit score, which I obtained from Citibank itself ( which is a service they provide to holders of the Citi XXXX credit card ) is XXXX ( out of XXXX ). Clearly, it looks like the Citibank rejection was just a ruse, and I believe they acted in bad faith by placing the rejection based on information in a credit report which clearly does not support their claim.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (IL)

I had XXXX unauthorized transactions 3 were refunded. XXXX denied and my account closed. My ex roommate was getting on my phone while i slept and spending my money. On XXXX different bank acct. XXXX finally refunded all but one. That Im still fighting them for. I have a text message betweene and the ex roommate. Who I know believe is responsible for all and why he moved out abruptly. I texted him told him he needed to send my money back to me. He replied saying he felt he was entitled to it because his dad never gives him money. His dads live in gf pays me to clean. Thats the money he was stealing from both XXXX and cashapp. XXXX sided with me cashapp is being rude and running me in circles. Nobody there has any information they do not document anything thing you do. Agents cant see your disputes nothing they are useless. The teal making decision emails from an email you cant reply to and your never allows to speak with them. This is absolutely outrageous unprofessional. They have. Your money not theirs. But do not have to communicate with you. How is this legal. They are gon na cause someone to have mental health problems. Handling peoples money this way. All banks need to realize they are nothing without us. They work for us. What would happen if XXXX  decided Im done goin to work paying bills and using banks. Theyd collapse and be nothing. People need to start o take their power back because this isnt right. My ex roommate Ive found had several XXXX acct and I bet he does the same with cashapp. He gets them negative balance then makes a new one I e shown them to both banks cashapp wouldnt accept my documents
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

My credit report is reporting fraudulent information that I am not aware of and did not authorize. Between the timeframe of XXXX XXXX XXXX. With banking institutions Citi bank and XXXXXXXX XXXX