davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United PanAm Financial Corp. (PA)

I hope this message finds you well. I am reaching out to address several discrepancies concerning the agreements currently on file related to my account. 

Discrepancies in Agreements : I have two versions of the agreementone with a wet signature that I do not recall signing, and another that is unsigned and blank. Additionally, I noticed that the email you sent has a timestamp earlier than the paperwork submitted for the CFPB. This inconsistency raises serious concerns that I need to resolve promptly. 

Assignment of Retail Installment Contract : I would like clarification regarding the assignment of my retail installment contract and security agreement with XXXX XXXX XXXX to United Auto Credit. Under XXXX XXXX, an assignee must have a valid agreement with the original debtor. Please confirm whether such an agreement exists, as it is crucial for my understanding of this situation. 

Vehicle Status and Payments : My vehicle is currently in escrow. Given the uncertainties regarding my contract, I will not process any payments until these matters are clarified. According to XXXX XXXX, repossession actions should not occur while there is a conflict regarding contract terms. 

Document Request : I formally request copies of all documents related to my agreements, including : The original retail installment contract The security agreement The assignment agreement between XXXX XXXX XXXX and United Auto Credit Any amendments or addendums Documentation confirming the assignment of rights Under Pennsylvania law, I am entitled to receive this documentation. 

Access to Account and Communication : My online account has been closed, and I have not received any correspondence from United Auto Credit regarding my account status. This lack of communication is concerning. 

Concerns Over Predatory Practices : I have spoken with a state representative who noted concerning elements of my agreement, including an interest rate exceeding 21 % under XXXX XXXX XXXX XXXX XXXX. Additionally, I was informed by the XXXX  DMV that there are documents I purportedly signed allowing power of attorney that I did not authorize. I request proof of these signatures. 

Given the serious nature of these issues, I would appreciate your prompt attention and assistance in resolving them. Please respond at your earliest convenience with the requested documentation and clarifications. 

Thank you for your cooperation.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I live in Alaska and I have an XXXX Bank of America credit card I received a notice from Bank of America telling me I must come to one of their locations and provide them physically with a copy of one of my Photo IDs. when I contacted Bank of America they told me they have no branches in Alaska and I would have to buy my own airplane ticket and fly to XXXX to go to a bank branch and show them an ID they said they have no recourse for this and I must do it or they will close my account and make me pay my balance in full. any help that could be given as to some type of resolution would be appreciated
Consumer complaint received 2024-09-29
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX XXXX hires the XXXX XXXXXXXX XXXX  to do an expedited job on my bathroom due to a leak. During the initial DeposiXXXX transaction for the full job the merchant return the payment and sent me the receipt of return. ( i provided the text messages exchanged to Chase ) The owner and contractor of XXXX XXXX had to pay the employee doing that job same day and the card gave a longer holding period. The owner returned the payment and sent me the receipts moments from making the payment ( less than XXXX minutes ). He required another payment method. Instead of using another credit card due to the hold period issues. I opted to XXXX him the paymentsXXXX has a {$1000.00} limit so the remaining {$50.00} was left to pay the remaining one the job was done ( i had hires them before so I trusted them and they trusted me ). Despite payment was return the same day it was not credited to my card. I waited the XXXX bus days in the email sent from XXXX and payment was still not return. I submitted the dispute with Chase and they will not credit back the money. Stated they can not prove since the merchant do not match the XXXX payments. ( Despite provided the text message evidence of these being the requested payment option from the vendor ) I had the case reopen twice. They state the reason is the reason of the denial but Chase does not offer the option or Return Payment. I can not state services were not provided because the repair was done. I have provided the merchants contact info since they did not even attempt to contact him. Nor they are accepting the email that states he return the payment. If I enter another reason that those not apply they will also reject the dispute again plus System reopens the case an I can not elect another reason. I had escalated the Manager and I can tell they are not reading the case.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (MS)

I need to re-document and refile this complaint to GM FINANCIAL. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Collection Management LLC (CA)

XXXX is showing a company known as CCMR3 to the be the originator of a loan I have which is inaccurate. Furthermore, the loan is in a forbearance so it should not be showing as in collections. I have opened several disputes with XXXX and I have contacted CCMR3 directly and no action has been taken as it relates to this matter.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.
Consumer complaint received 2023-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (NC)

In XXXX of 2022 my wife and I were granted a loan modification from Flagstar Bank thanks to CFPB help. We received the modification with the executed date of XX/XX/. The modification was backdated to XX/XX/, which we were told by several of the loan counselors we talked with at Flagstar was very odd. Over several phone conversations I was told that the modification was being processed and they would let me know when to pay. We never received anything from Flagstar about paying, and every time we called, we were told that the modification was being processed. The website was not updated until XX/XX/ and at this point, we were being foreclosed on due to 7 missed payments. So, after I called and spoke with XXXX, a loan counselor, on XX/XX/, I was told I could not make any payments and had to go through the foreclosing attorneys office. I was told by XXXX XXXX, attorney for Flagstar, on XX/XX/XXXX that I would need to pay {$56000.00} to bring the loan current. I explained to him that amount was incorrect due to our modification and that XXXX from Flagstar would be sending him the correct information later that day, he said he would get back to me, but he never did. The foreclosure was later dismissed and I started working with the bank to get everything taken care of. 
I have been in the process over the last 10 months trying to fill out Flagstars Loss Modification documents and to gain a forbearance, but am having a very difficult time doing so. I will receive notices and supply the needed information, and nothing happens. Then I will receive a notice in the mail saying the application has been closed, but on the website, it will say processing. I have been told by several of the loss mitigation counselors that you cant trust the website and I should call. I have done this 3 times now, and the bank will send me information on what they need and when I upload the documents, they say they never received them. A few weeks later, the application will be closed, and I will have to start the months long process all over. I have screenshots, where the documents appear on my forbearance application as being uploaded but Flagstar says they never received them. At this point, I have uploaded the needed documents once more for the application started in XXXX of this year, and again, Flagstar says they werent received as of XXXX. I have now faxed them, but we are in a time crunch as they are restarting the foreclosure process on XXXX. 
We dont want to lose our home and just want to be able to pay our monthly mortgage and not have to come up with XXXX of thousands of dollars at once. We love this house and just want to be able to live in it without this constantly hanging over our heads. Please, can someone help us make sense of all of this so we can just pay our monthly mortgage.
Consumer complaint received 2023-09-23
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: EQUIFAX, INC. (TX)

Here are actual dates and complaint numbers listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB hasnt stepped up and investigated anything.Ive been asking for actual proof for awhile and Equifax has ignored my request every occasion. There are still inaccurate reporting on my credit report. I feel racism is playing a major role in this situation as well. The lack of respect I get from this company is ridiculous. I have sent letters in on several occasions. Ive made phone calls and files complaints. Laws have been broken and CFPB has did absolutely nothing.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

LVNV Funding has sued me for a debt that has NOT been verified. They have made no attempts to contact me regarding this debt, and the documents provided by the court and to the court from LVNV Funding are reporting INACCURATE information. LVNV funding is attempting to sue me for the amount of {$1100.00}. The inaccurate information that is being reported to the court is : Last name and address. This account/debt have not been verified, and they've made no attempts to verify it. They went straight for legal action, and have violated the FCRA rights, by not sending proper communications, and giving me the option to dispute the debt. All the documentation provided by the court has a previous address, and somehow the court documents were delivered to my new address without this information being provided to LVNV Funding or the courts.
Consumer complaint received 2017-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I need XXXXXXXX XXXX Experian to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their phlebotomist was in training, he poke me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXXXXXX + {$530.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$460.00} Needs Attention CXXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported :XX/XX/XXXX + {$100.00} Needs Attention
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (TX)

First the debt is in litigation as I'm writing the complaint. Second the I've already filed my 1099c to discharge the debt in compliance with debt discharge procedures. In conclusion the debt is over twenty years old,15USC 1666b . Please remove this collection from my report immediately per 15 USC 1692c and d, and 15 USC 1681i ( a ) ( 1 ) ( A ). This debt has surpassed the lawful limitation and it's destroying my credit reputation and creating a risky character ( slander ) to other financial institutions in regards to possibly future lending based off loan amount.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Byrider Franchising, LLC (MO)

Went into BYRIDER to get vehicle was told the design was going to based on my income I furnished them with my check stubs not my credit it quickly became about my XXXX XXXX and was denied. this was dishonorable and i feel like i was lied too from the being of the process.
Consumer complaint received 2024-09-29
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. (NC)

Acct # XXXX {$1300.00} Acct # XXXX {$690.00} Despite my prior disputes with both XXXX XXXX Bank the original debtor, and XXXX XXXX, tried to collect the debt and LVNV Funding is reporting that it's there debt, this account continues to be reported on my credit profiles each month. LVNV Funding LLC is still reporting. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the removal of inaccurate or outdated information from credit reports. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), you are prohibited from reporting this debt if it is inaccurate or invalid, as determined by the original creditor. The original creditor XXXX XXXX has agreed to delete those accounts, and it should no longer be reported by any third party. This a violation of my consumer rights.
Consumer complaint received 2024-10-13
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. (NC)

As of, XX/XX/year>, I have published to the public records a Copy Right Notice of my Name, Estate, and personal private information to be private. I never gave this company permission to furnish or sell any of my personal private information. I have already disputed the matter with CFPB about the volition of my private information being furnished, without my permission and the issue still has not be resolved. The damages this company is causing are not allowing me to utilize my consumer credit because of all of the inaccurate reporting. This company is committing Fraud and Copy Right infringement and shall resolve this issue without delay.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

This debt collector engaged in XXXX, XXXX, and XXXX XXXX of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I did not sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc. (MO)

I received a business debit card in the mail Thursday, XX/XX/XXXX from Square. I was informed that a checking account may be opened in my name as well. The fraudsters used all of my information except my email address. I have been contacting Square to close the account and receive an update on the status of the account as well as if any funds spent would affect me. I'm being told they can not verify who I am, even after I offered to fax my drivers license, and due to this they will not provide me any information.
Consumer complaint received 2023-09-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

For months I have always paid my bill on time and always pay the first week of every month. My bill due date is around the XXXX every month. I got a few late fee 's that I didn't see until paying my bill one day. I wrote them and got it resolved and the fee 's and late payment taken off. On the phone the woman admitted that if I pay my bill always the first week there is no way it could be late. 

Come last month I get a {$30.00} late fee and I know what is next addional fee 's so I wrote them again and got a bot that didn't answer any questions. So I waited till the next day and wrote them. They said they removed the last late fee ( Which was their fought ) and will not remove anymore. 

I sent them over screenshots showing every month I have paid over the amount due and some months I pay 2 payments to help pay the bill off before interest occurs. I told them to show me proof of why the payment is late and showing them proof that I always have made the payment on time. And even went on to say this happened before and it was your error. 

They in return as of today killed my log in. So I know they are going to try to get fee 's, late fee 's and such. I think why they XXXX  my account is I showed them proof they are doing fee 's when I was on time. I also told them I was going to turn them in to the credit card oversears such as yourself. Today I tried to log in to see the error. A friend of mine also uses synchrony and logged into his account fine. So I'm sure they are pulling some stuff. I contacted XXXX and told the if I can't log in I can't pay my account. And told them I am turning them over. 

I am uploading proof that my account has never been late and their practice are straight garbage. The company is synchrony I have several cards with them but only one left to pay off. I think they get very upset that I always pay off before interest occurs. 

I am including including my message to them. You can see by my payment history that I have paid always on time. Sometimes paying 2 times the same months to drop the last pay off. A always work to pay off my bills early. And I am confused as if its always paid by the first week when how and why could a late fee occurs. I have included in my statements which only shows the last few numbers of my account. I have all my statement only uploading a few. 

Mainly I want this to be a paper trail when they don't allow me to assess my account and add a bunch of fee 's when I have to go to court I'll have bases to sue them.