davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Professional Debt Mediation, Inc. (GA)

This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and XXXX credit files be permanently expunged. Both XXXX and XXXX   have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, Professional Debt Mediation, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via First Class U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( www.leg.state.fl.us/statutes ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the U.S. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

1. Citibank is attempting to collect on a debt, under my name, that they have yet to validate. I have called numerous times, yet they are unable to provide me answers. 
I want to see validation. I am reporting the account as a fraud account that I personally never applied for, also I have police affidavit and other id theft reports. 
2. Why does Citibank deny me 0 % liability for unauthorized transactions and fail to report my disputed transactions to CRA 's. One example, XX/XX/2017, {$560.00} to XXXX XXXX, unauthorized. 
I called and reported the charge in XX/XX/2017. Citibank issued me a new card and number, but continues to deny me of my rights to dispute the charge. 
3. I found out, independently that one XXXX XXXX applied for a Citibank Checking Account using my social security number. 
Why did Citibank not notify me, despite my name and XXXX XXXX showing up after entering my XXXX in Citibank 's computer system? Why was I never notified, until I addressed it to Citibank President Office? Years after the incident?
Consumer complaint received 2018-10-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp. (FL)

Company is asking for over {$1400.00} Payments are 76 days passed due currently. In order to be able to afford my super high {$420.00} a month payments I had to switch car insurance from XXXX to XXXX. It took my entire paycheck to get the insurance switched. I had put in two requests for extensions which I have to put in the requests to even see how much it'll cost me. After submitting requests in order to check the prices on a one month and a two month extension XXXX then blocked me from submitting another request. I'm currently waiting on a payday loan to go through to pay for an extension. I want XXXX to drop my late fee charges due to hardship and want to be able to aquire a two month extension for {$250.00} in order to allow me to pay ahead. As I stated in a previous complaint I recently got custody of my XXXX year old daughter and I'm trying to get caught up financially. I was out of work for two months and am now a licensed health insurance agent with a decent job. If XXXX cant do this I want there to be a way to re-negotiate what I pay every month to lower it so I can get the car to good financial standing and not have this issue again. That car is my only means of transportation to and from work. Its also the transportation for my daughter to see her dad. I'm doing everything I can to get things back to where they need to be. If my dreams were to come true XXXX would put the total of what's due and passed due at the back of my loan and allow me to start fresh from 0 days passed due. Dreams dont come true though. My request for a two month extension at {$250.00} and all current late fees be dropped and my car not be put through the repo process I feel is reasonable. I'm getting on my feet again its just slow. At XXXX years old a repo on my credit would ruin me and I want to be a home owner someday. I know how my payments have been this passed year. I'm ashamed and embarrassed ive been out of work as much as I have. The current position I have is stable and I plan on getting things back on track but I need some assistance. If the car gets taken. I won't be able to work and XXXX wont be able to get paid.
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (FL)

I've been monitoring my credit for several months and noticed a Rent Recovery Solutions, LLC just popped up and says its been in my credit reports since XX/XX/2018, but I've been monitoring my credit since XX/XX/2018 and never saw this until recently. They claim I owe {$5300.00} that I do not. Based on the extremely poor reviews online, I have opted to file this complaint here to ensure that I get a response, period, let alone a timely one. I've even seen someone online say that they were hung up on, so it is not the best company to be dealing with. I am, however, also disputing this false account via the credit bureaus. I am outraged that this has appeared on my credit reports. I demand that original documentation in its original form, bearing my actual, wet signature is provided to me. This is what is required under the FCRA, section 609. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you must also provide the method of verification as required under Section 611 ( a ) ( 7 ). Moreover, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Therefore, if original documentation bearing my actual signature is given to me ( and I know for a FACT that I never signed a consumer agreement with Rent Recovery Solutions, LLC, then this false account MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2018-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

XXXX XXXX is currently in mediation with XXXX XXXX. The homeowner received the LM copy on XX/XX/2018, and once I received this, I sent to all mediation parties. 

The homeowner was the one that gave me a copy for everyone. Since I reviewed the first page, I noticed the XX/XX/2018 deadline. I asked XXXX XXXX for an extension since the deadline is only 1-2 business days from when we received it! 

The Attorney from XXXX XXXX said they couldn't give her an extension on deadline to send final mod back. The Attorney responded " This is not a servicer requirement but HUD/FHA. I will pass your request along, but I recommend not relying on extension. This needs to be priority. '' ( So the deadline to get a Notary, review all terms in this final mod and make sure it looked okay, talk to her Housing Counselor ( me ), get any questions answered, and send back XXXX was XX/XX/2018. This also required her to make the XX/XX/2018 Modified payment by then. There was no discussion of a grace period date after I asked them.
Consumer complaint received 2018-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (MN)

I am writing in to complain about Receivables Performance that is listed on my credit and the original creditor is claimed to be XXXX, and claim is in the amount of { {$130.00} }. I am writing this letter to inform the individual ( s ) that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. Send me copies of the original signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the signed verifiable proof that you have on file for each of the accounts listed within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2018-10-01
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. (TX)

Complaint- XXXX  , Experian and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX  and XXXX XXXX. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, Experian or XXXX  that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX  XXXX XXXX XXXX XXXX $ XXXX XXXX  3 . University XXXX XXXX - $ XXXX Experian XXXX XXXX XXXX XXXX XXXX $ XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
Consumer complaint received 2018-10-01
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. (TX)

Complaint- XXXX  , XXXX and Equifax- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, XXXX or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX- Equifax XXXX  XXXX XXXX - $ XXXXEquifax XXXX XXXX XXXX $ XXXX EquifaX 2.  XXXX  XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX 3 . University of XXXX - $ XXXX XXXX  XXXX XXXX XXXX XXXX - $ XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXX   If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NM)

Equifax shows my credit rating today as down by 18 pts. Due to two hard inquires by XXXX   XXXX XXXX. I did not arthorize the inquiries and and I have not applied for a morgage or any other credit.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Associates, Ltd. (MD)

I had a medical debt. Collection Associates LT ( address XXXX XXXX XXXX XXXX, WI XXXX phone # XXXX ) got a garnishment levy and sent it my employer in XX/XX/2018. My employer paid the debt out of my checks in XX/XX/2018 for the full amount. Now the company is still reporting to credit reporting agencies that I still owe them. I contacted them who said they transferred it to another lawyer and I need to contact them. Their name is on my credit report as reporting still due. I feel they are just giving me the run around instead of correcting this.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (NY)

The company failed to provide validation of debt as requested. In addition the status is shown as charged off. I have not received a 1099C which is required by law.
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

A settlement was reached between U. S. Department of Justice and the Consumer Protection Bureau and Ally Bank for allegations of discrimination in auto financing. After notified of the lawsuit a few months later I received a letter from ally bank noting that I was to receive a credit on my loan and will be reflected on the following billing statements. The letter was dated XX/XX/XXXX. I have since called and found out that my payments were adjusted and instead of a decrease they increased from XXXX to XXXX. 
I have called and In fact the monthly payments did increase with no changes in length of total amount financed. Customer service states credit has been applied. I have the correspondence letters. Please send contact information of whom I should contact next. 
Thanks so much for your assistance. 
XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (CA)

Since mid XX/XX/XXXX, I can not logon to my netspend account. 

I sent this e-mail to there " XXXX '' several times. 

" I can not logon to my account at -- https : //www.netspend.comXXXX --. 

I get redirected to a web page that displays -- Do you know that your XXXX XXXX is out of date? 
To get the best possible experience using our website, we recommend that you upgrade to a newer version of a web browser. Here are some recommended web browsers. 
Just click on the icons to get to the download page : -- I have -- XXXX XXXX XXXX -- and it will not expire for several more years! 

Please forward this to your IT Department to get this issue resolved. 

Thank you J '' I finely received a phone call back, telling me that they were no longer going to support -- XXXX XXXX XXXX -- but he would pass this on to upper management. Then I received this e-mail : Dear Cardholder, Thank you for contacting Netspend Customer Service! 

As discussed, I am sorry to hear that you are having problems accessing our website and I understand that you are frustrated and would like to file a complaint. 

Please be informed that beginning XX/XX/XXXX, our Online Account Center will no longer support XXXX XXXX XXXX. When you access your account online through XXXX XXXX browser, you will be redirected to a page asking to use a different browser. Supported browsers include XXXX, XXXX or XXXX. 

Also, I am going to send your complaint to my Manager, who will review it and forward it on if necessary. Someone from the corporate office will contact you directly within the next 2 business days. 

I apologize for the inconvenience this has caused you. 

Thank you for choosing Netspend. Have a great day! 

XXXX Customer Service Agent
Consumer complaint received 2018-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

An account was opened fraudulently in my name ( navy federal ) while I was overseas. The account was opened online. They did an investigation and still said I was responsible. Which I dont t understand if I was overseas. Plus my last known address in the states was completely different. Ive been dealing with identity theft for a long time and trying to fix everything.
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (MA)

Billed by second of two debt collection agencies retained by XXXX XXXX, XXXX. Membership was canceled with written notice via the terms specified by the club membership. XXXX XXXX XXXX  canceled billing agreement. XXXX XXXX continued to try and bill me after membership canceled. I owe nothing. They turned this matter over to a debt collection agency.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My account has been set up on auto pay for years. All of a sudden, I log in and the account is overdue. When I reached out to Capital One they said that they did not try to send me an alert because my email was old. WHAT??!! So instead of picking up the phone and calling, they did nothing - except charge me an overage fee on XX/XX/XXXX and XX/XX/XXXX. {$39.00} and {$25.00} respectively Good luck getting ahold of these people. For reasons unknown they actually dont have an email function ( yes, in 2018, no secure email ) or a chat function and they try to dump you in 1-800 XXXX. After spending 20 minutes trying to find a way to get ahold of them I messaged them on Facebook ( so sad that anyone should have to resort to that ) and they sent me a link for a chat. 

The representative was very unhelpful ( conversation is attached ) and transfered me to an equally unhelpful, unapologetic manager.  When I voiced my concerns about the damage to my credit report his response was that the account has been late 14 times since it was opened. Are you serious? It was opened when I was in college over a decade + ago, so yes, since then I have cleaned up my credit. How is that an approrpiate response to the problem that we have at hand today? NOW my credit score is over XXXX because I have made sure everything is paid on time. Or it was before Capital One messed it up. 

They did update my email so they can now email me if a payment is overdue ( which I had no idea they were unable to do - my email never changed or bounced anything back ) and they did not pick up the phone to call me to alert me to this payment being due. If the alert system did not work ( which they admit ) it seems reasonable that the auto pay system might have glitched too and this has now damaged my credit.
Consumer complaint received 2018-10-06
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. (NC)

Experian said that the system change my credit scores on it own but I was told by the mortgage lender since another mortgage lender just check my credit report on the same day XX/XX/2018 it wouldnt take no more points for. I had a month after the first lender. Both was done on the same day I lost 1314 points.Experian said they have no control of this but I didnt lose points like this with the other bureau. Then they remove XXXX XXXX that was in my bankruptcy made me lose points because when I call XXXX and ask why did they do that they said they didnt because its against the law since I was in bankruptcy. Experian said nothing they can do about it now because they cant see it on my credit report anymore.Last experian have about 5 credit cards that was in my bankruptcy that they are showing late payments I am out of bankruptcy and all that was in my bankruptcy supposed to be showing XXXX balance and no late history but experian said they will investigate this but this information is on my credit report that all those credit cards was in bankruptcy. What are they investigating? Out of the three I am only having these issues with experian and when I file a dispute it get worst. Please help
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. ()

Unconscionable that credit bureaus charge for consumers to temporarily unfreeze an account when applying for new credit. Consumers have less and less control and protection over their data that is collected and exploited without their permission. Charging fees to temporarily lift a freeze ( the TINY bit of control offered to consumers ) is just adding insult to injury. These fees should absolutely be illegal.