davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

CFPB Complaint filed on XX/XX/year> : On XX/XX/year> and XX/XX/year>, I requested a verification of debt servicing and a request for debt validation for both collection and servicing to be able to report this information to my credit report. On both occasions the following companies failed to validate the debt on all 3 bureaus ( XXXX, XXXX XXXX, and XXXX ) : XXXX XXXX LVNV Funding XXXX XXXXXXXX These three companies are reporting inaccurate, incorrect, and invalid on my credit report to provide information that they are not legally allowed to report information to my credit report pursuant to the following statutes : 15 US Code 1681 ( 4 ) 15 US Code 1681 ( A ) 15 US Code 1681 ( E ) 15 US Code 1637 1. **Failure to Provide Validation of Debt : ** I have not received proper validation of the debt in question as required by FCRA Section 809 ( b ). Despite my previous requests for detailed documentation validating the debt, including the original signed contract and a breakdown of charges, this information has not been provided. 

2. **Reporting Inaccuracies : ** The reported information appears to be inaccurate, and it is my right under FCRA Section 611 ( a ) to have a thorough investigation conducted. I am formally disputing the accuracy of this account, and I request that you promptly correct any inaccuracies and provide me with a corrected credit report. 

3. **Failure to Respond to Dispute : ** It has come to my attention that my previous dispute, dated [ Date of Previous Dispute ], has not been adequately addressed within the statutory timeframe outlined in FCRA Section 611 ( a ) ( 1 ) ( A ). This failure to respond violates my rights under the FCRA. 

4. **Failure to Report Dispute to Furnisher : ** I also note that, as per FCRA Section 623 ( a ) ( 8 ), the collection agency is obligated to report my dispute to the original creditor. Failure to do so is a violation of this section of the FCRA. 

Given these violations, I am formally requesting the immediate deletion of the disputed collection account from my credit report. Furthermore, I insist that you provide written confirmation of the account 's removal and a corrected credit report within 15 days of receiving this letter. 

Additionally, I am invoking my rights under the SAFE Act to request information about the original creditor, the nature of the debt, and any supporting documentation that establishes your authority to collect this debt. The SAFE Act requires debt collectors to provide consumers with specific information about the debt in question. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this dispute.
Consumer complaint received 2024-10-02
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)

This started in XXXX since the XXXX and Ive been disputing this false information on my credit report and this company refuse to remove information that does not belong to me I am a victim of identity theft and also they data breach settlement with XXXX my information was compromised and this is one of the accounts LVNV Funding LLC . Under the 15USC 1681 they are also violating my rights as a consumer and violating the LAW which does not permit a company to report after 4 years this violates the statute of limitations. I have sent letters after letters. Still no results
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp (TX)

XXXX XXXX XXXX Dear Prop Receivables, Re : XXXX XXXX Account XXXX XXXX This letter serves as formal notice of my final demand for the permanent removal of the false debt you have furnished on my consumer reports for XXXX  months. Despite numerous attempts to resolve this issue amicably, your company has ignored my cease and desist letter and refused to correct this error. 

Key Facts : I never provided consent for your company to access or share my nonpublic personal information. 
I previously sent a cease and desist letter, which was ignored. 
Financial records demonstrate discrepancies in your reporting. 
This item is not, nor has it ever been, a consumer credit transaction and should not appear on my consumer report. The Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
The debt was canceled in XXXX of XXXX, is non-collectible, and is legally my income that I have never consented to you publishing. 
Your actions have harmed my employment prospects in multi-family housing, resulting in XXXX lost job opportunities. 
You are reporting my nonpublic personal information to a publicly traded corporation that has securitized my consumer reports and profiting on your fraudulent I hereby revoke any implied consent your company may assume it has to share my nonpublic personal information, as permitted under the Gramm-Leach-Bliley Act ( 15 USC 6801 et seq . ) and Demands : Permanently delete this item from my consumer reports by XX/XX/XXXX. 
Provide the names of your executives, officers, and surety bond information. 
Immediately Compensate me {$20000.00} USD., comprising $ XXXX for XXXX  months and {$6000.00} in damages. 

Consequences of Non-Compliance : I will be Filing a lien against your surety bond for its full amount. 
Pursuing a federal case seeking damages twenty times the amount reported for securities fraud. Seeing how I have no contract with your company, I have no arbitration agreement, and at this point your willful violation of me is bigger than just civil. 

I have filed complaints with relevant authorities. Confirm receipt of this letter and indicate your intention to comply. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

XXXX Issues : 1. In XX/XX/XXXX, Citibank 's system mistakenly stopped my automatic payments which resulted in a negative report that I was late. I fixed it immediately by paying and they put me back on autopay. The agent said they would put in a request to remove the negative item, but apparently they never did because it 's still on my report, affecting my credit. I called today to follow up. They had no reason for failing to have it removed. They are " investigating. '' 2. Misrepresenting a deferred payment promotion. At Best Buy, I bought an IPAD in XX/XX/XXXX. The Best Buy agent told me it was XXXX interest, and if it was n't paid in full, then I start paying interest at that time. He never disclosed that I would be charged for BACK interest! I never would have signed up for the promotion had I known it 's true nature, or I would have made sure it was paid off within the time period. I do auto payments religiously so had no idea what happened. Then, I found out that my credit is negatively affected bc of Citibank having my account OVER my credit limit due to the back charged interest, of over {$500.00}! The IPAD cost that much for goodness sakes. I offered to pay in full, minus the deferred interest, to which the supervising customer service agent said he could n't do anything, and there was no one else I could talk to. I said, not even general counsel, a VP, another supervisor? In the entire Citibank organization, there is no one? He said, no. 

This card is the only negative item on my credit report. It has hurt my credit, and is now subject to inquiry when I seek credit. Citibank refuses to rectify either situation.
Consumer complaint received 2024-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (NY)

I called the bank ROCKET MORTAGE ON THE XXXX XXXX, which was the one that had prequalified me, saying that the same loan company SELFi that worked with them, had not done their job well, they asked me for a series of documents and I signed many others, which I had to insist on, because we were under contract and this lender had a time to collect all the documents, I was prequalified for XX/XX/XXXX and on XX/XX/XXXX he reviewed the documents, without saying that they were urgent from previous days, when I sent him some documents he said that I did not have sufficient funds for the closing, so I told him to send me a formal letter because I had been denied the loan and the lender did not want to do it, he did not respond to my emails again, he got rid of me like garbage, if he did not have the money it was of no use to him, I contacted the XXXX of the XXXX company as the ROCKET mortgage bank said, and he got the letter for different reasons but I had not completed the documents, I told them that I had become unemployed and yet I was willing to complete them as the denial letter said, but obviously that XXXX XXXX said that he did not have funds and did not want to support the letter on those reasons, I CALLED ROCKET 10 TIMES OR MORE AS A LENDING BANK AND THEY DID NOT RESPOND EITHER ... AS THEY PREQUALIFIED ME, I HAD TWO CARS IN DEBT, HOWEVER I THOUGHT WELL THEY LEND LIKE THAT, THE LENDER WAS IRRESPONSIBLE FOR NOT BEING EXHAUSTIVE IN LOOKING AT AND ASKING FOR THE DOCUMENTATION, MAKING FALSE EXPECTATIONS AND NOT BEING CLEAR ABOUT THE REASONS FOR DENIAL, AND BY MAIL YES STATING THE RELATIVE REASONS, ROCKET MORTGE MADE ME HOPEFUL AND I GOT INTO A I SIGNED A CONTRACT AND I AM ABOUT TO LOSE MY EARNEST MONEY ON THIS HOUSE, BECAUSE THE SELLERS ONLY ACCEPT DENIALS FROM THE BANK DUE TO LACK OF FUNDS, NOT DUE TO LACK OF DOCUMENTS... THEY FAILED TO OBSERVE THEIR ETHICS OF BEING CLEAR AND HONEST AND SHOWING THEIR FACE FROM BEGINNING TO END, THEY LEFT ME ALONE, SOLVING THE PROBLEM, NOW NO ONE ANSWERS
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have been a victim of idenity theft. My personal information has been used to obtain goods and services. I Contacted Equifax and told them that this inquiry are fradulent and provided proof, even though they told me that this inquiry were verified. Pleas dispute and remove this fradulent inquir from my credit report XXXX XXXX XXXX  XX/XX/year> XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc. (AL)

I opened an account with Sezzle however I kept getting an error message concerning my information saying that my identity could not be verified so I was never able to charge anything to the account.Im not sure where or why I have a {$30.00} charge
Consumer complaint received 2024-10-03
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: HYUNDAI CAPITAL AMERICA (CA)

The vehicle was paid off in XXXX of XXXX  and I never received a title for the vehicle. I have called countless times over the years to try to get a title from them and was told it was mailed out, then someone else told me it was never mailed because they are enrolled in paperless title system, then Hyundai finance directed me to go to the dmv with a lien release paper but the dmv couldnt do anything with that paper because they never released the title electronically from the XXXX XXXX  so the dmv can issue a paper title. Every time I call Hyundai they send me the same lien release paper to take to the dmv but it is always the same answer, Ive told Hyundai they need to have the title department release the title from the electronic title system so I can be issued the title, I have gone over this with them multiple times, and still nothing has been done.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

This is a complaint against Equifax XXXX XXXX and Depart of Security Frezz The reason of this complaint is because I have a very serious problem with this credit agency because of the improper use of my credit profile and membership, they do what they want with my credit profile without my permission or authorization. They put fraud alerts, they freeze it when even they ca n't remove the freeze that they put on the freeze when I gave them the pin that they gave me through mail. They have my credit so badly managed that its impossible for me to obtain my profile utilized and my credit score. Its so badly managed that the blockage has been so negative that even the positive accounts that are under my name and social security Equifax does n't let them report them. I have proof of letters from all the banks that I have accounts in so they can report those accounts in Equifax because they are good accounts and make my credit good and better. Also I have two months calling all week to solve this problem because only with Equifax , I do n't have any problem with XXXX or XXXX, these companies report correctly but Equifax does n't. I have reached a conclusion that I have n't been only victim of identity theft but also a game of the personnel that work with Equifax. This complaint I would want the team of executives to see and do a review because this problem has become a game a joke towards me. Every time I call they are only going to do a ticket and every ticket they do n't solve anything. Also where are the positive accounts like XXXX XXXX ( credit limit XXXX ), XXXX XXXX ( credit limit XXXX ), XXXX XXXX Credit Business ( credit limit XXXX ). Where are these accounts that were opened in between XX/XX/XXXX and XX/XX/2015 and I know because I have the letter in proof that these banks have sent in the reports, the only problem is Equifax because they do n't want to report these accounts. I am sure that XXXX that if these accounts were negative Equifax would be the first to report them, because they are here only report the negative not ever the positive. This agency is here only to damage the profile of me and I am sure many other people. They have a horrible system and a personnel that is badly trained and horrible as well and they do n't solve anything.
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

Dear Citibank New Cardmember Services, I am on the " PRESCREEN & OPT-OUT NOTICE '' list ; I have in fact already opted out from all further communications from Citibank and other prescreened offers and miscellaneous junkmail by having called XXXX. 
However, I continue to receive these offers even after Opting Out. Please review your records, and permanently and completely remove all my personally identifiable information from all company and affiliated company records, including my name, DOB, address, phone numbers, emails, and any other data or metadata collected from me or my computer or my Internet Service provider. 
Warm regards,
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (GA)

XX/XX/year> I entered detailed information regarding a vehicle that I intended to trade in. In the details submitted I noted that the car is in need of repair. Before wiring down payment funds I spoke with three Carvana representatives ( XXXX is the only name that I recall ) to ensure that the trade in would be acceptable. The representatives gave conflicting answers in regards to whether Carvana will accept the vehicle. Ultimately, they settled on " As long as you were 100 % honest regarding the cars condition, we will honor the appraised trade in value and accept the vehicle. However, Its ultimately the Field reps/delivery driver discretion on whether it will be accepted. '' With the response I wired the funds. The delivery driver did not accept the trade in ( based on the repairs I stated were needed in the Carvana appraisal ). So I never received delivery of the vehicle from Carvana. The purchase was restructured and I planned to move forward. Arranging to send the additional {$1600.00} to the already transferred amount of {$1400.00} for a total of {$3000.00}. The representative assisted with scheduling delivery the next morning. When I called the next morning I was informed by Carvana that the deliver could not be made and that an additional {$200.00} was needed to complete the transaction. When I inquired from XXXX XXXX ( he would not provide his full name ) why additional money is needed he mentioned its because my income was not calculated properly by his underwriting department. But yet Carvana had completed the transaction based on the same income just a day ago. I requested that XXXX XXXX cancel the transaction and refund ALL monies. He stated that he did and sent a confirmation email stating that it would take approximately 3-5 business days to post back to my account. I contacted Carvana XX/XX/XXXX and XXXX XXXX Carvana Presale Advocate stated that he does not see any request for a refund from XXXX XXXX although he had a few notes regarding the request to cancel- Which I found out that XXXX XXXX in fact did NOT honor my request to cancel the transaction and the refund was NOT pending. XXXX submitted a request and sent a similar email stating the request would be made. Now, I'm waiting an additional 3-5 days to receive the reimbursement of the {$1400.00}. This has created financial hardship due to the fact that Carvana did not honor the original transaction which included a trade in that the Carvana algorithm and advocates stated they would honor. Carvana model appears to prey on those that have credit challenges and restructuring loans at the final stages and/or not honoring an original contract where the consumer has provided and satisfies all of Carvanas request, only to have the transaction completely changed ( increased downpayment and interest/APR ) even after the purchase agreement has already been signed.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (FL)

I am a XXXX  XXXX and represented an insured named XXXX XXXX, her lender is fay servicing https : //www.fayservicing.com. I recovered a check for this insured in the amount of {$35000.00}. The lender and I were both named payees of said check. The insured sent the check to the lender for their endorsement and they commandeered the check. Unbeknownst to me the homeowner was in foreclosure. Fay servicing cashed the check, without my permission, and then proceed to foreclose on said house. They kept all the proceeds and refuse to talk to me about it. I was a named payee on that check and am entitled to 20 % via my contract, I am also the reason it was ever issued in the first place. 

The insureds address is XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2016-03-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I am a customer of PNC bank ( formally XXXX XXXX ), have been banking with them since the XX/XX/XXXX 's and have both mortgages with them. Recently my equity line became due. I was working with them to try to refinance the line but they declined due to collateral. Then I was forwarded to a modification department who again declined due to collateral. Finally I was sent through a hardship department who said they would modify it but at a payment XXXX 's what I was paying. Living paycheck to paycheck, I could n't afford it. I requested different terms as I have never missed a payment with them and they declined. Since I was n't able to afford the modification, PNC told me they basically would write the debt off XX/XX/XXXX. I heard nothing from them until XX/XX/XXXX when they withdrew {$7000.00} from my checking account leaving me with {$100.00} for the month. There was no mailed notices saying they were still trying to collect the debt or anything. When I spoke with someone from PNC, they stated that the loan had been charged off and they were allowed to take all the money that they owed and basically accused me of being a deadbeat. The money that was in the account was from a retirement account to be used to fix the house to the city and insurance codes as the roof and tuck pointing needs to be done or I will be fined and lose the insurance on the home. I asked PNC for a copy of the Note and was told they could n't send it to me. I am not sure what to do as everything I have read about these " set off 's '' stated that they had to be actively trying to collect the debt ( they had n't ), the account had to be in collections ( it was n't ) and they could n't touch any money that came from a retirement account. I am not sure my options at this point.
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (RI)

A debt validation letter was sent on XX/XX/XXXX via certified mail and received by prince parker. The debt is being disputed by me as it is not my debt and prince parker did not answer the debt validation and dispute and continued collections with a new dispute date of XX/XX/XXXX. This debt is not my debt and no proof has been provided by the company of owing this dept or answer to the dispute in writing via mail.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Remitly, Inc. (CA)

I used Remitly to transfer funds from my XXXXXXXX XXXX  Account at XXXX XXXX XXXXXXXX to XXXX Bank in XXXX. Doing this I used my debit card. In the transfer it was confirmed that I sent {$5000.00} USD and that the receiver should receive {$5000.00} USD. However, the receiver received XXXX EUROS instead, which is equal to ca XXXX USD. 

I have been in contact with XXXX, and they told me they were gon na reach out to the bank XXXX. However, after consulting with XXXX I was told they were never contacted. I have been in this process back and forth for 2 weeks. I have told Remitly they owe me the difference, and they agree. Still haven't heard anything, and every time I call the process starts over again...