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 — Reporting company used your report improperly
Company: Sunbit, Inc. (NV)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX/SUNBIT ] [ Account XXXX XXXX ]
Consumer complaint received 2024-09-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

someone opened account in my name fraudulently MACYS/CITIBANK, N.A.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP (TX)

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : 1 : SERCURITY FINANCE 2 : XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; SERCURITY FINANCE AND XXXX XXXX XXXX have violated all ABOVE laws
Consumer complaint received 2024-09-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (FL)

I am writing to express my deep concern and disappointment regarding the fraudulent business practices we have experienced with Aqua Finance. This company has been engaged in deceptive tactics, including false advertising, high pressure sales tactics, scare tactics, hidden fees, and misleading product claims. These practices not only violate consumer protection laws but also erode trust and confidence in the vendor. As consumers, we feel betrayed and misled by this company 's actions.

We contacted Aqua Finance many times regarding the tactics used and were told that they are not responsible for the actions of the sales force representing their product. 

We also contacted Aqua XXXX XXXX XXXX, the seller, multiple times about the water system itself. It has not worked properly since the beginning. We have had maintenance & plumbing problems with the unit. Once we called about the sensor that is inside our house to monitor XXXX and salt use, and the tech from XXXX XXXX told us to just throw it away because it does not work anyway. They would not provide a replacement. 

We have been paying for this system for 5 years and we still owe a substantial amount as balance, which is most of what was financed. Most of the monthly payment goes to interest and the balance never seems to be reduced. At this rate, the balance will be repaid, if ever, long after the original agreement. We demanded a refund and the termination of the agreement from Aqua based on the performance of the system and misrepresentation, and they refused. 

I urge you to take immediate steps to rectify these unethical practices and have this company take responsibility for the harm caused to consumers, like us. We would like to get a full refund of the money we have wasted. We feel we have been swindled. 

We look forward to discussing these matters with you and seeing if we can bring this nightmare to an end.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Security Credit Services, LLC (TX)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX main XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX : Security Credit Services , LLC Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of Security Credit Services , LLC . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft. 
Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau. 
Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies. 
XXXX XXXX new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

spoken with XXXX, XXXX, and experian on numerous occasions about my credit score dropping. my credit score was at XXXX then dropped to XXXX, and again on XX/XX/2018 to XXXX now as i stated before i pay for a service to monitor my credit score and or file but to have inconsistencies regarding my score dropping is unreal based upon me paying all my bills on time without delay and decreasing the overall debt ratio of my credit file.in addition i believe that they meaning reporting agencies are deliberately defarud me of my right as an consumer, by not reporting correctly however charging fees for inconsistent reports. i would like to be able to sue in federal court based upon deliberately reporting false information on my credit file and report to others. ABOUT ME AND MY WIFE
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IA)

I have had my identity stolen twice now in XXXX when my house got broke into, in XXXX a lady from XXXX XXXX also stole me and my children idenity and XXXX when some lady from XXXX XXXX hacked my XXXX account and XXXX  I have been through the ringer with these companys and with the data breach 's also it has totally trashed my credit and i can not get any help and it is affecting my life alot XXXX XXXX XXXX XXXX XXXX XXXX and they have not communicated with as i sent multiple letters to them, you can look at my actual credit my history is good My XXXX charge thats paid my home in XXXX i believe and other loans so, i am asking for help Thanks XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

In XX/XX/XXXX, we got a text saying a phone was being delivered in XXXX XXXX by XXXX XXXX XXXX. We have no XXXX XXXX XXXX account and had not ordered a phone. We immediately called XXXX XXXX XXXX who refused to cancel the delivery. XXXX XXXX XXXX began to call us and ask for money. We explained it was identity theft. We provided all the information that XXXX XXXX XXXX requested. XXXX XXXX XXXX wanted {$1200.00}. XXXX XXXX XXXX said we must submit a police report. We did so on XX/XX/XXXX. The sheriff 's department refused to sign the XXXX XXXX XXXX form as a matter of policy. Howeer, they submitted the case on their form. 

XXXX XXXX # XXXX Deputy Sheriff XXXX CA XXXX Case XXXX I submitted all the documents online and also sent them by registered mail to XXXX XXXX XXXX. 

In XXXX, I got notice that Sunrise Credit Service filed a report saying we had not paid this XXXX XXXX XXXX bill. Sunrise never contacted us, no mail, no email. My credit score dropped XXXX points. 

I then failed reports with XXXX and XXXX who accepted Sunrise 's statement. I am now coming to you.
Consumer complaint received 2024-09-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CT)

I have a American Express gift card to be used at XXXX. 
I first tried to use it to reserve a room at XXXX XXXX  website, but I was unable to because the card must be worth more than the reservation, and the reservation can not be split. 
So instead I tried to use the card in person at the XXXX. I was told by the person making the reservation that they do not ever accept the Amex gift cards, and there was no way to use it. 
So I called American Express. I spent about an hour on the phone, and all the person would say to me is : 1 ) XXXX accepts the card 2 ) We can not give you a refund at this time 3 ) The full balance is still available We went around in circles be because I was told at a XXXX  that they would NOT accept the card, at all ever. 
I purchased this gift card myself and paid full price for it. Therefore, there is no reason why the amount can not be refunded to me. I have tried to use it now multiple times, both online and in person, and it was not accepted. It has wasted hours of my time. It was also a big disappointment because it was originally purchased as a gift for someone, and they also were not able to make their reservation with it so they gave it back to me.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$77.00}
Consumer complaint received 2018-06-19
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)

XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I sent letter LVNV requesting that they validate not verify debt they are attempting to collect. I specifically asked for signed aggrement and other suppportimg documentation. They provide me with billing statements which does not prove I am obligated to pay them anything. They have report delinquent information to credit bureaus asking to be deleted.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NH)

I have attempted to request my free annual copy of the consumer report maintained on me by LexisNexis numerous times and in multiple methods ( online, via mail ). Each time I make the request, LexisNexis sends me mailed notices which claims that it is 'unable ' to validate my identity and refuses to provide the report. I am the only person in this country with my name and therefore do not see any legitimate reason why LexisNexis is unable to comply with the law by providing me with a copy of the report. 

I previously submitted a complaint to the CFPB regarding this matter. In LexisNexis ' response to your agency, the business claimed that it had attempted to reach out to me 'several times ' to complete 'identity verification ', and that I had failed to respond. 

This is a blatant lie. 

I have provided LexisNexis with more than enough information to locate my consumer file within their system ( see attachments ). LexisNexis must comply with the law and provide me with a copy of the consumer report they maintain on me.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2017, I XXXX XXXX cashed a fraudulent check. I was laid off from my job, and needed to generate revenue to pay my bills. I answered an ad for a guy named XXXX the number he gave me was XXXX. We began to communicate via email. He would have done six postings a day or so that would advertise the same listing via XXXX. Eventually payday came, however, I was only guaranteed {$500.00} per week but the check was for {$1700.00}. So a naive sense of integrity kicked inside me and I sent him back {$1200.00}. Three days later the check bounced and my bank account was negative XXXX. At first bank of America was willing to clear my account however once they discovered that I sent XXXX, the Bank made it clear that they would not return the funds to me. However, I could not afford a lawyer because my only bank account was negative {$1800.00}. I filed a claim with my local police department and another claim with the FBI internet crimes division. I am writing this letter in hopes of a referral to federal insurance program and the ability to receive the money I had to work off back. I am also writing this letter in hopes that what happened to me will never happen to anyone else.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams, Alexander & Associates, Inc (KY)

Williams and Associates has contacted my siblings, my XXXX yr old grandmother and said they have a warrant for my arrest to 2 of them and said to one of my siblings and myself they are sending a summons for court for an unpaid debt. They say this debt is from XX/XX/XXXX -XX/XX/XXXX I've owned 2 homes and built a home 3 years ago and have nothing on my credit report nor have I had an account with said debtor. They have threatened and harassed my family members. It's out of hand!
Consumer complaint received 2018-12-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Unfortunately in XX/XX/2016, XX/XX/2016 through XX/XX/2017, and also XX/XX/XXXX and XX/XX/2018 monthly payments were not submitted on time. It was an exceptionally busy time in my life as I was balancing a divorce, school and in between jobs. My ex-wife was the primary driver of the vehicle and I was unaware of the late payments she continuously made towards this account. I recently received the car back in my possession and paid the account off in full satisfying all past due payments and fees, before I was required to. I no longer associate with the person that let this payment obligation go unattended to and I fully respect my obligations with XXXX XXXX XXXX. I paid the car off in full to amend my relationship with you so that I could regain trust as I begin my climb to fix my credit and relationship with XXXX XXXX. The total amount paid to satisfy the account in full was {$8500.00} between the days of XX/XX/XXXX & XX/XX/2018.

It has come to my attention that because of these late payments with XXXX XXXX XXXX, I'm being rejected for careers in my field as well as hindering me from purchasing a home. As you may know, FICO scores are being used more and more in the selection of applicants. In light of my renewed focus, demonstrated commitment to rebuilding trust with your company and no longer associating with the person who caused these late payments, I'm requesting that you please give me a second chance at a positive credit rating by revising the late payments that are reporting with Transunion and XXXX. I sincerely hope that XXXX XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue the career of my dreams as well as providing a home for my family to call our own. I appreciate your time and look forward to receiving a favorable decision from your department soon.

Regards, XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (NC)

I have been reviewing my credit file and upon receipt of my updated XXXX, XXXX and XXXX I noticed there is an account that I am not familiar with, that has not been validated. After further investigation and entering the companies information in the North Carolina Department of Insurance database, I realized that the company named ERC is not licensed to act as a collection agency in the state of North Carolina which is where I reside and have resided the majority of my life. Information is updated as of XX/XX/2018.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: United Student Aid (USA) Funds (FL)

In XX/XX/XXXX, my student loans were turned over to XXXX XXXX for collection. I made automated monthly payments totaling {$5400.00}. In XX/XX/XXXX, I received a notice that USA funds reported a default status for nonpayment, even though I was making monthly payments. Dumbfounded, I called XXXX XXXX who had been taking my month for three years, and they said, yes, I was in default. I to this day do not understand why, but they walked me through consolidation paperwork. I also requested all payment history with their company as I still did not understand where my money had been going. 
In XX/XX/XXXX, I received notice from the new consolidation company ( XXXX  ) that my principal balance is {$13000.00}. ( My balance as on XX/XX/XXXX with XXXX XXXX was {$11000.00} ) XX/XX/XXXX I called XXXX, and all they could tell me is this was the amount transferred to them. XX/XX/XXXX I called XXXX XXXX to verify the amount they transferred and they claim it to be {$11000.00}.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I closed on a refinance of my loan with XXXX XXXX in XX/XX/2020. 
Attached is the Closing document. This clearly shows no escrow for either property taxes or homeowners insurance. 
The loan got sold to Mr Cooper ( Nationstar Mortgage ) effective XX/XX/XXXX ( Loan # XXXX ) In late XXXX, they added an escrow to my account and informed by only by end of XXXX ( that is when I received the mail ). 
I emailed them through the online account as well as called them twice : XXXX. XX/XX/XXXX at XXXX XXXX  PST. I was told to submit updated copy of homeowners insurance which I promptly did as soon as I hung up ( 34 minutes later ). I was assured that the escrow would be taken off my account with 2-3 days after I submitted the required information. 
XXXX. XX/XX/XXXX at XXXX XXXX. I was told that this was still under " research '' and that they do not have an estimate on when this will be resolved. - best guess was 7-10 business days. 
I have been making my monthly payments of {$3300.00} every month. However, starting XXXX, they expect me to make payments of {$4800.00}, which I will NOT make. I want this resolved before XX/XX/XXXX but Mr Cooper is not providing any assurances if they will resolve this, never mind when they will resolve it. Attached are also the documentation they sent me regarding escrow.