davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

On XXXX XXXX, 2015, I submitted a letter to Ally Financial regarding issues with respect to a vehicle loan financed by Ally for XXXX XXXX XXXX in XXXX, California. Among other things, I requested that Ally respond to my issues. I have yet to hear from them. I have tried repeatedly to contact them but my calls go to unqualified personnel in the XXXX. They refuse to give me a direct contact person, email or phone number.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX/XXXX/2015 a duplicate charge was posted to my account by vendor XXXX. My complaint is against Chase Bank debit card services. They were notified the day of the disputed charge by monitored phone call and in writing. The vendor XXXX had issued a credit on Monday XXXX XXXX, 2015. Chase was with holding our funds. Chase stated on Tuesday XXXX there was no credit coming into the account and the vendor did not send a credit to our account when XXXX had already contacted Chase Bank and notified that there had been an issued credit on Monday. I spoke with XXXX corporate department. The duplicate charge was for {$220.00}. Chase refused to put a stop payment on the duplicate charge even though it was a pending charge and I was willing to pay for a stop payment to release some of our partial funds. Even if our credit to our account is resolved at some point I would like an inquiry into Chase business practices with emphasis on ATM/Debit transactions. Our account number is XXXX under the name XXXX and XXXX XXXX. 
XXXX XXXX Phone : XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been try to get mortgage loan assistance for a number of months from Bank of America. They repeatedly ask for information that had been previously provided. Bank of America apparently is stalling to the point where they wo n't have to take any actions. Note that information has been forwarded to them via phone, fax and XXXX XXXX. 

My loan number is XXXX
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (FL)

I made on line reservation on XXXX XXXX, 2015 on XXXX ( XXXX ) to stay at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX for a stay from XXXX XXXX to XXXX XXXX, 2015. 

Upon arrival at the XXXX XXXX at noon on XXXX XXXX, I found the hotel under extensive renovations which was noted on the hotels web site. When I walked into the lobby there were painters painting and I informed XXXX . XXXX the day manager I could not stay here because how paint fumes effect my breathing. He told me that they would charge my card anyway. 
I went and stayed at another hotel in the area.
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IL)

I received a motion to transfer letter from Blatt, Hasenmiller, Leibsker & Moore LLC on or about XXXX XXXX regarding a hearing for such request on XXXX XXXX. On XXXX XXXX I contacted Blatt, Hasenmiller, Leibsker & Moore LLC regarding the letter - to get additional information as to what this letter was and what it was in regards to. I was told that a judgement has been entered and I could settle. I told the representative that this was the XXXX letter received from their firm and ask would they accept a flat settlement and what was the amount due. The representative told me I or someone at my home had been served - this is false. I did not receive a summons or any other correspondence from this firm or the collections agency they state they represent - XXXX XXXX XXXX. This letter regarding motion for transfer is the XXXX correspondence received from Blatt, Hasenmiller, Leibsker & Moore LLC at my address. The representative attempted to contest this and stated either way I would be responsible for the original debt and court cost and would need to pay such to vacate the judgement. 

I 'm left with - no verification of the debt, no verification as to whether this debt is truthfully even actionable against me in court, and minimal recourse other than to pay up front.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (OH)

I have been divorce for many years, took the steps after my divorce to get my life back together as it has been over 7 years, I had my credit pulled a couple months back and a debt from a company named One Main Financial was listed, this is my ex husbands debt. Several request via the phone and in writing have been sent to this company to validate this as I do not recall ever obtaining only my ex and this company has never once responded back providing me a signed initial contract with my signature. I have disputed this account also with the XXXX major credit agencies which they have all stated they verified which how are these companies able to verify when I can not. I am lost for words as I can not move on with my life with this old debt which I do not believe I am responsible for is listed that I owe. Does n't a company have to have proof/validation of a signed initial contract and prove that it is within the statue of limitations? I do not know where to go from here I am asking your agency to help me as your company helps consumers.
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R.A.Rogers, Inc. (TX)

Collection agency failed to respond to validation request per Texas finance code TFC 392. In retaliation, agency illegally reported to credit bureau. 

Collection agency is NOT bonded for collection in Texas, thus is unlawfully attempting to collect an alleged debt. 

They must remove BOTH trade lines from credit report or will be sued.
Consumer complaint received 2016-02-29
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Creditor is XXXX. it is listed as a collections account on my XXXX report. The subaccount name is the Midland fund. This debt is not mine. It belongs to my father XXXX XXXX XXXX who lives at the same address. Please remove it from my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2015-05-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc. (IL)

XXXX was the last time I was contacted by Illinois Collection Services to the best of my recollection. I was contacted over an {$84.00} bill that my insurance company informed me they had paid. I explained to them that this was paid by my insurance company and I have not received any further communication from them regarding this issue. Apparently XX/XX/XXXX they then sent me to collections over a matter that I had reasonably assumed was resolved since I had not received any further communication from them. I learned of this being sent to collections from a XX/XX/XXXX credit report request. At no time did Illinois Collection Services contact me to let me know this was an ongoing issue. When I asked to see the documentation of this supposed debt that their representative quoted several times while speaking to me on the phone, she would not provide it or tell me how to obtain it and transferred my call to a voicemail. If, in fact, my insurance company did not pay the {$84.00} like they informed me they did, then I would have pursued this further had there been any communication from Illinois Collection Services that the matter was still open. I have not received anything from them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or yet in XX/XX/XXXX. I would like this matter removed from my credit report because I believe it was improperly put on my credit report, and reasonable communication from them would have resolved this minor issue of {$84.00} before the situation escalated to this level.
Consumer complaint received 2024-10-15
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC (AZ)

Briefly, a nightmare involving Identity Theft dating back to XX/XX/XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with XXXX XXXX in XXXX. 
A company named Dynamic Recovery Solutions appears to be abusively recycling this old XXXX account even though they were responded to in XX/XX/XXXX and it appears that they may be doing this with XXXX 's help. 
A total nightmare going back over 20 years that should simply never be allowed to happen.
Consumer complaint received 2015-10-12
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

hello, i know that there has been a misunderstanding, about my money.at first I did n't think this would happen to me -- and I have become a victim until this very day.i have not received anything back and the proposal that was made too me to get wire transfers-delivered ; is all a hoax.not a matter of business.i have put in a complaint before, but nothing was done or said about it.the company or party grant solutions, took money from me and never followed through with reimbursing me any payment's.the amount is very plain too see that somrthing is wrong with them. ( XXXX ). 
''
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (WI)

A garnishment was initiated for an unspecified debt. I never have received a notice to court to dispute or arrange payment. I have never received any phone call or message from the debt collector to discuss this with me in any way. The paper work I receive comes to me XXXX week after each wage garnishment is initiated, and contains no notary seal. They send a letter to my employer and tell him to begin taking money, and only after the XXXX deduction, I receive a letter telling me they are deducting money. I have looked at the paperwork my employer received and there is no notary seal or court seal. I have never received a court document of any kind saying that this was going to court in the XXXX place, but the letters I receive and the letters sent to my employer, say this has already went to court and I lost the case? My employer wage garnishment letter has no court seal or notary seal on it either. How do i know this is legit? The letters my employer received do n't even include his last name or title on the paperwork. These papers could have been printed off of any home computer by anyone, as there is no official raised stamp or raised seal of any kind on anything. The only debt I can think of is an unpaid medical loan almost XXXX years ago. This company started sending these letters to my employer to garnish my wages for " a debt '' never saying what debt about XXXX years ago. The attached copies of the form letters are the most recent I received ... and that was XXXX week after the deduction was made from my paychecks.
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (OH)

XXXX sent me books and wanted payment for them. I was not nor ever have been enrolled at XXXX, therefore I did not ask for or need the books that XXXX sent to me. I eventually sent the books back ( I have USPS receipt albeit a faded one ). They said they never received the books and wanted me to pay them {$200.00}. I refused to pay, one because I never asked for or used the books and two because I sent them back. They sent the bill to collections and it has damaged my credit terribly.
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Persolve, LLC - Legal - Series 2 (CA)

I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years.
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount.
Consumer complaint received 2015-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Equifax refuse to report my XXXX installment accounts. I have XXXX XXXX XXXX credit cards and XXXX XXXX XXXX auto acct and they are not reporting these paid accounts. I have contacted Equifax and they said they only report what 's given. XXXX XXXX states they have sent all of my acct info to Equifax. My credit score is low because Equifax want add these accounts. Equifax will report negative accounts quickly but wo n't report my accounts in good standing. They told me I couldnt dispute because the accounts must first be on my credit report. 

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.
Consumer complaint received 2015-05-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MI)

Flagstar foreclosed on my family after years of us trying to apply for a mortgage modification. We were passed around and sent through hoops by Flagstar, and were denied because of Flagstar 's own mistakes and time delays. We have done everything we can to save our house, but now we 're facing eviction. We believe we were subjected to the same practices of Flagstar 's that they were cited for by the CFPB in the XXXX XXXX, 2014 stipulation on this issue. We would like help from the CFPB in order to stop the eviction and receive retribution from Flagstar for the harm they caused us and their unwillingness to help us during the entire foreclosure process.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express XXXX preferred credit card offered me a promotional offer of {$150.00} statement credit on {$1000.00} in purchases posted in XXXX months. Also 6 % on supermarkets, 3 % on Gasoline, and 1 % on all other purchases. No where in that promo offer did it mention a {$75.00} annual fee. I even talked to a customer service rep when activating the card and specially asked if there was any hidden charges. She said NO. When my statement showed up with a {$75.00} annual fee I called customer service to complain. Long story but I eventually contacted the supervisor. I asked him when I was told about the annual fee. He actually said " after you applied for your card '' I told him if he did n't wave the annual fee I would cancel the card. That 's when I was threatened with the bad credit report threat. I asked if there was any way to cancel the card without hburting my credit : He said no. I was notified of the annual fee after I submitted that application. What kind of high handed business tactic was that. Please inform me of a way I can cancel my card after paying off the balances. I guess it would be smart to at least take the {$150.00} bucks offer before I cancel. Please let me know how to handle this. I have excellent credit and I dont want to take a hit on this. Real XXXX business I think.
Consumer complaint received 2015-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

My mortgage company, Nationstar XXXX Mortgage has repeatedly charged our mortgage this month then reversed it, causing my bank account to go negative through overdraft fees and an NSF charge. I attempted to contact them multiple times and was given incorrect emails to send the information to. Most recently I was instructed to send the materials to an XXXX XXXX, who I found is a corporate recruiter through XXXX. I have attached a copy of my ban statement which shows this.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (FL)

I sold a XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX who is the buyer purchased the truck in the amount of {$21000.00} including snow plow. The buyer paid off the truck by writting and sending a check to GM Financial. We have to this day not been able to get a title as the XXXX in the state of XXXX  says that GM has not removed the lien. I Have spent about 40 hours in total trying to get this resolved including the following action : 1. three visits to XXXX 2. multiple phone calls in XXXX and in XXXX, total phone time exceeding XXXX hours ) XXXX various escalations and promises to resolve. 
4 the seller has not been able to use the truck.

5. it has now been 16 months that the truck he purchased is sitting on his driveway.

6. I have not been paid the difference of the $ XXXX and the payoff since I have not delivered a title to the seller as promised. 
This is absurd and abuse, I can not belive that this can happen in a country like America where the consumer is supposed to be at least somehow protected. 
7. I spoke with GM on the phone yesterday and they said it would take 6-8 weeks to see my request but there is no certainty that it will work.

8. It appears GM had a glitch with the XXXX  XXXX and they have not released lien.

9. I would like to be compensated financially for all the time I have spent on this, in the amount of {$720.00} that represents {$18.00} per hour for all the time I Have spent on this ( 40 hours total ) I would also like interest on the money that I am owed that I have not been paid for 16 months now.

10. I am requesting that the cpfb please help get this lien released, as there is nothing more that I feel like I can do.

11. there should be a class action lawsuit for this, as I spoke to XXXX and they said that I am not the only one with this situation.

12. I am still being charged property tax from XXXX, my account is in collections as I am unable to pay the county, but this is tax that I don't own, even though they claim that I am still the owner.

13. this has impacted the lives of multiple people and has damaged my credit