davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP (OK)

I am writing to request the removal of unauthorized fraudulent credit inquiries on my XXXX credit report. My latest credit report shows number of hard inquiries i am disputing credit inquiries that I did not authorize I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/XXXXXXXX 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 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 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
Consumer complaint received 2024-09-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC (GA)

This company is charging too high an interest rate for a {$3500.00} loan that has been paid in monthly payments for {$460.00} since XX/XX/XXXX but I still have to pay back {$5000.00} in XXXX and they will repossess my XXXX XXXX car and keep my car Title at Title Max in XXXX Georgia! XXXX refuses to give me my title back from XXXX Bank! As an XXXX wife of a XXXX  veteran, on Social Security, they did not give me as a senior citizen any help to get my title back even though I have receipts for XXXX  months of payments!
Consumer complaint received 2024-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OK)

Phoenix Financial started contacting me several months ago about medical debt from XXXX totaling around XXXX. 
In XXXX I had medical insurance. 
I do not remember any medical visits from XXXX years ago and have never recieved any bills. 
I initial talked to Phoenix Financial and I informed them that I had insurance then and do not remember any medical visits during that time frame. 
I asked for any and all documentation and they can not and will not provide me with anything. 
I even called the original creditor and they even advised me not to pay it and they stated that they only show I owe them a {$4.00} copay from last year My credit is very important to me as I have worked very hard to make sure I have a good score and positive reporting to it. 
They call and harass me 1-2x a day and have reported it to my credit. 
Upon further reviewing of this company I am seeing lawsuits and tons of complaints due to the harm they are causing people from their faulty and false reporting. 
I feel victimized and would like any and all information I can obtain to combat this. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX LVNV Funding XXXX XXXX, XXXX XXXX, SC XXXX XX/XX/year>2024 RE : No Account number listed on credit report My credit report shows a charge off or collection from your agency, I was never notified of this collection. I do believe that this debt is not accurate and under the fair debt collection protection act, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of the following. 


XXXX. An Explanation of the alleged account balance is XXXX. A calculation of this balance including the complete payment history on this account, so I have proof the debt amount is correct XXXX. Documentation that shows I agreed to pay this debt XXXX. A copy of your state license including license number. 

Stop contacting me regarding any other matter until you can provide an accurate verification of this debt. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

I have sent letters to LVNV telling them I did not recognize the account and asking them to verify the account or delete it off my credit report. I have already filed an FTC report for identity theft. This information is injuring me and is not accurate or verified.
Consumer complaint received 2024-10-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (LA)

XXXX XXXX XXXXXXXX. not in its individual capacity but solely as Trustee of the XXXX XXXX XXXX XXXX filed foreclosure against me XX/XX/XXXX, and Fay Servicing as the servicer. XXXX Bank XXXX. informed me it does not own or service my mortgage loan and has no authority or responsibility to review and/or approve or disapprove of Fay Servicing 's decisions and actions and does not retain loan/property level information so I informed XXXX XXXX XXXX counsel , and it retracted alleging Fay Servicing retained their firm as XXXXXXXX XXXX XXXX XXXX agent and attorney in fact producing a power of attorney dated XX/XX/XXXX, but XXXXXXXX XXXX XXXX. allegedly acquired the mortgage on XX/XX/XXXX, from XXXXXXXX XXXX XXXX XXXXXXXX. Fay Servicing acquired Servicing rights from XXXX XXXX  XXXX on XX/XX/XXXX, XXXX Power of attorney is invalid. Fay Servicing had no authority to act on behalf of XXXX XXXX XXXXXXXX. 's behalf nor did it have authority to hire counsel to pursue foreclosure against me. There are many more problems with this wrongful foreclosure, and I have documental proof to substantiate these facts. 

Thank you very much.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (NY)

I'm continually receiving emails from a debt collector agency called Resurgent Capital Services, for debt that isn't mine. 

They disclose someone else 's name, how much they owe, their account number and everything. They've reached out multiple times.

I read on the FTC website that debt collectors aren't supposed to share any of those details unless they're certain they're emailing the person with the debt or that person 's spouse. I am neither!

Just wanted to make people aware that your sensitive information is being shared.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Company : Paypal My account ( previous ) : XXXX My account ( current ) : XXXX ( I changed after previous email was hacked ) Case # : XXXX ( message : Based on our review, we found this transaction is consistent with your PayPal payment history ) Unauthorized Transactions XXXX XXXX ( - {$1000.00} ), XXXX ( - {$1600.00} ) My mailing address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, CA, XXXX My phone number XXXX XXXX Description : The scammer purchased something from XXXX using my hacked PayPal account and set the mailing address to XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. My address has been consistent with XXXX XXXX for XXXX  years, and I have to report the address change as a green card holder. And it hasn't changed. Those are clearly different from previous transactions, and Paypal is refusing to admit it.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Dear LVNV Funding LLC, I am writing in response to your letter dated [ XXXX ], regarding the above referenced account. After a thorough review, I find your response to my inquiry lacking in both accuracy and adherence to legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). I am formally disputing the validity of this debt, and I request that you immediately cease and desist all collection eorts until this dispute is resolved. I have attached the inaccuracies to this complaint in regards to your response to my previous dispute. Again I never received written notification about this debt either.
Consumer complaint received 2024-09-22
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: SELECT PORTFOLIO SERVICING, INC. (CA)

Since Select Portfolio Servicing bought my mortgage from XXXX XXXX in XXXX, there has been nothing but problems. 

We almost had it all resolved when they sent me a refund check for a payment that was not owed to me. When they did this, they made it look like I made one less payment in the system. I did not cash the check ; instead I sent it back to Select Portfolio Services. They took back that check, but did not re-credit my account for my last payment. Thus, my account continues to appear to be one month behind when it's not. 

I documented all the back and forth with proof from my bank account over a month ago. I've called since then, and they said they would get back to me within a week. Then another 1/2 a week. I still have received no status update, and they continue to charge me late fees even though there is a dispute and I am not late on my payments. 

I have documented the whole issue ( letter and documentation attached ), interaction by interaction, in the attached. After sending this to them at their request, they told me twice that a manager would get back to me within XXXX days. The most recent time I called was 8 days ago ( XX/XX/XXXX ). No one called back. I need this resolved as it's messing up my credit rating and I want to sell my house and buy a new one ( and get rid of this terrible mortgage servicing company ).
Consumer complaint received 2024-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AZ)

I requested and was approved for a Private Student Loan Misconduct Application from Navient. My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX. There has already been several settlements from Navient for widespread, unfair, and deceptive student loan servicing practices and abuses in originating predatory student loans for profit schools, such as XXXX XXXX. They held onto my application for 51 days and ended up denying my application and provided me with the following reason : " Navient carefully considers a variety of factors in determining whether a private loans should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' There is no actual reason for the denial given. This is another dishonest action from Navient to keep frauded student loan borrowers stuck indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  tied to these loans. There is no reason my application should have been denied.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CO)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

XXXX XXXX  Account Number : XXXX Charge Amount : {$1100.00} Date Opened : XXXX XXXX XXXXXX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-09-21
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: CITIBANK, N.A. (OH)

XX/XX/year>, I ordered a jacket didn't receive the jacket, it took to long they say it was here in XXXX, 2023 I didn't need it by then, other issues occurred, anyway don't have it still paying for the jacket to keep my credit in good standards. Need help with this issue!!! Asap thanks.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

The hazard insurance was not paid by escrow and now my insurance has lapsed because Mr. Cooper Mortgage didn't do it's job and pay the insurance company. It's nearly impossible to get a hold of anyone at Mr. Cooper Mortgage to get this issue resolved. I have contacted the insurance company to see what I can do to remedy the situation, but this should have never happened in the first place due to negligence on the part of Mr. Cooper Mortgage.

What's the point of an escrow account if it doesn't handle paying things like insurance and property tax? I will do everything in my power to remove my escrow account completely because I'd much rather pay the annual insurance amount and have the peace of mind that it is, in fact, actually going to get paid and my house will be insured.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (TX)

My brother, XXXX XXXX XXXX, has a high yield savings account at Goldman Sachs Bank USA ( dba/ Marcus by Goldman ). My brother had XXXX XXXX  in XX/XX/XXXX that left him XXXX. He was declared legally in XXXX  in XX/XX/XXXX and I was named the temporary guardian of his estate. I have been trying since XX/XX/XXXX to get control over his Marcus by Goldman account and have the funds in this account transferred to a guardianship account. There should be between {$210000.00} and {$260000.00} in this account, and my brother needs these funds urgently to pay for his medical care and other bills. I have written to Goldman many times and spoken with various representatives on the phone ( even though they make it extremely difficult to contact them ). I have sent and re-sent all the materials they requested multiple times ( 5-6 times ). Most recently I sent them the additional materials they requested on XX/XX/XXXX. The representative I spoke with assured me that I would get the funds in my brother 's account as soon as they received these materials. They acknowledged receipt of the new materials on XX/XX/XXXX. I also sent them a Turnover Order issued by the Texas probate court to turn over the funds in this account. They are in contempt of this court order. When I called them again on Friday, XX/XX/XXXX, they acknowledged that they had received all the requested materials last month, but they told the matter was with their " legal department '' and they were unable to tell the status of the matter or when I would receive the funds in my brother 's account. It has now been 7 MONTHS and I still don't have the funds from my brother 's account, despite that fact that they know full well, and have been informed multiple times, that this matter is URGENT.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a continue of your case # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on XXXX- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted CapitalOne invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed CapitalOne : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XXXX to CapitalOne let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XXXX and XXXX none were CapitalOne : XXXX XXXX XXXX has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling experian that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it