davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-04
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: Paypal Holdings, Inc (CA)

FTC REPORT ATTACHED PAY PAL fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 

Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX, XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, XXXX, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (FL)

I received an email from Affirm saying " We recently reached out to you regarding taking precautions to protect accounts, and requested you to contact our customer service team ... Since we haven't heard back, your account is frozen to ensure the funds remain secure and protected. To lift the restriction on your Money account, please complete this webform ( XXXX XXXX XXXX  ), or call us at XXXX. '' This email is misleading and not true at all. I was never previously contacted about precautions to protect accounts. 
I called the number provided and was transferred to 3 different people. The first support agent told me my account wasn't frozen. I read her the email and she said " Oh, let me transfer you. '' The second person said I should just wait a couple of days and see if the issue resolves itself. The third person said I should fill out the webform. I asked why the email told me to call this number if they wouldn't help me. She didn't know and couldn't provide any assistance. This call lasted 31 minutes dealing with three agents who had no idea how to handle the issue. 
The " webform '' linked in the email is not a webform at all. It's a help center article with a Contact Us button. 
Now my account is frozen and there are no humans at Affirm who can tell me why I received such a misleading email, or why my account is frozen, or how to unfreeze it. Terrible customer service and communications team. I will be moving money out of Affirm as soon as my account is unfrozen.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Fraud on credit accpatance they put the cash down payment of XXXX dollars with my credit and i never put a cash down payment you can not put cash down payment with my credit and i never put a cash downpayment there for the contract is void and null and it was sent to irs as i have a debt and we are in the 1933 emergency banking act so they broke the the law i want my car back and all of the money asap and all fines
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Comenity/Zales. I believe they have engaged in intentionally deceptive trade practices. 
XX/XX/XXXX - payment due XX/XX/XXXX - payment made ( but after XXXX XXXX so {$30.00} fee incurred- ok, I understand ). PAID OFF ENTIRE BALANCE. 
XX/XX/XXXX - Comenity representative called to say we had not made XXXX payment. We were confused but thought we had made a mistake. So we gave her our information over the phone to pay the entire balance ( again ). She said she would waive half ( {$15.00} ) of {$30.00} late fee, so we paid {$440.00} ( balance ) PLUS {$15.00} over the phone. 
At this point, we have paid off the balance TWICE. 
XX/XX/XXXX - received email indicating payment overdue. Confused because we had spoken with representative on XX/XX/XXXX and paid it again. Upon calling, they advised me that my XX/XX/XXXX payment HAD gone through but I owed a {$30.00} late fee from XXXX, so now I was being charged a {$30.00} late fee for XXXX too. So I was charged a late fee on a late fee, after we spoke with THEIR representative on XX/XX/XXXX and paid all balance and late fees off. 

I believe that the payment made online via their " pay faster without signing in '' was temporarily misplaced by them, which is why we got the call on XX/XX/XXXX. Later, they found my payment and disregarded the XX/XX/XXXX phone call ( which addressed all late fees too ). 

I reported this to XXXX XXXX XXXX and Comenity said they don't respond to XXXX  complaints for " privacy reasons. '' XXXX  said Comenity would respond to me directly. They NEVER did. I emailed them and told them I disputed my debt and then they responded with a basic " you were charged a late fee because your payment was made after XXXX XXXX. '' They did not address the call on XX/XX/XXXX or the fact that this resulted in me being charged a late fee on a late fee. 

I believe that they intentionally disregarded that telephone call-which ***they*** made- just to charge me an additional {$30.00}. I paid off the stupid late fees because who has time for all of this.... And I think that is exactly what they want customers to do. 

Also, is it lawful to charge a late fee on a late fee when the entire principal balance was paid off?
Consumer complaint received 2024-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC ()

On XX/XX/XXXX I received a letter claiming I owed a debt of {$770.00}. XX/XX/XXXX I called them and asked for verification of the debt and an itemized bill. They refused and hung up on me. On XX/XX/XXXX I sent them a letter requesting creditor information, basis for the debt, billing statement, original contract, passt payments, and their licensing information. I did not receive a response. On XXXX my wife received a phone call from XXXX. She did not identify herself as a debt collector. She instead she was " private business relations ''. I called the number and spoke to an agent who did not identify himself as a debt collector, but instead attempted to get me to confirm information. Once I asked why he wanted to know, he then identified himself as a debt collector. He then continuously tried to get me to admit that this was my debt. The debt was not over {$1000.00}, instead of the {$770.00} they claimed in their letter I told him I dispute this debt and he said I was being difficult. I told him he was being difficult. They refuse to give me any other information about this debt for me to confirm that it is my debt.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (DC)

Starting in XX/XX/year>, my escrow payment went up by {$83.00}. I called on XX/XX/XXXX and learned this was due to my insurance information lapsing ( when XXXX acquired my mortgage from XXXX they did not transfer this information properly ). I provided my insurance information. I was told this would be corrected going forward and I would be credited for the overage. I called again on XX/XX/XXXX when I saw this was still not fixed and the customer service person apologized and said it would be corrected in several business days. I logged in today to see nothing has changed. I was unable to reach a customer service representative because the automated menu goes in an indefinite loop -- when I finally get to the option to select insurance or escrow, I select the option, and the menu restarts at the beginning as if I just called. The only way to get a human on the phone is to pretend you want to re-finance.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: BANCO POPULAR DE PUERTO RICO (TX)

The bank is reporting an incorrect address to the credit bureaus. I been trying to correct this information by calling the banks customer service phone numbers : XXXX. The credit card accounts that are being reported to my consumer credit reports are closed. The main problem is that I'm confronting is that my social security number do not match with the bank information system, making impossible to customer service representatives correct my mailing address on system.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, I deposited a check for {$25000.00} into an ATM. Without any warning, my account was completely locked the next day, leaving me with no access to my funds. 

Over the next XXXX weeks, I visited XXXX different branch offices, including the one where I originally opened my account years ago. Initially, they suspected the check was fraudulent. I received absolutely no communication about my money or when it would be available. 

I've reached out to US Bank more than XXXX times, trying to resolve this situation. I was able to close the loop on the deposit and return the check to the original party, who was waiting on it for a construction project. 

I'm still fighting to get my {$25000.00} back from US Bank. They've provided no timeline for when I can expect my money to be returned. This delay is significantly impacting my XXXX XXXX  and causing ongoing financial hardship and directly impacts my XXXX.
Consumer complaint received 2024-09-04
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 (NM)

Submitted request for Consumer Disclosure Report from LexisNexis at XXXX XXXX XXXXXXXXlexisnexis.comXXXX  on XX/XX/year>. LexisNexis refused to comply. 

Instead of a disclosure I received a letter referring me back to the same site, instructing me to repeat exactly the same request at exactly the same page. Clearly LexisNexis has no intention of providing the disclosure
required under the FCRA.
Consumer complaint received 2024-09-04
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: RoundPoint Mortgage Servicing LLC (GA)

The derogatory rating on my account is causing me significant concern, and I am deeply worried about its potential impact on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. This negative rating has caused me severe financial and emotional distress, which will persist until it is resolved.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (SC)

Dear U.S. Bank and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee.

Please provide this information as quickly and accurately as possible.
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

DeaXXXX XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to file a formal complaint against XXXX XXXX XXXX, where I purchased my car in XXXX. My XXXX account number is XXXX, and my VIN is XXXX. 

At the time of purchase, the dealer persuaded me to buy a third-party insurance without directly told me the total cost of that issurance, assuring me that a full refund would be granted if I canceled within one month. I have an email chain that confirms this promise. However, after canceling the insurance within the specified period, I have encountered significant delays and poor customer service in obtaining my refund. 

Despite canceling the insurance within the stipulated period, I have yet to receive my refund after eight months. I waited three months for the initial processing time they quoted ( 8-12 weeks ) but received no response to my inquiries. When I called, I was told the dealership was under new ownership, though XXXX XXXX, who handled my finance, was still there and assured me the refund was processed. 

I was then given a different contact number for another dealership location. After being transferred several times, a representative promised the refund check would be sent to XXXX within XXXXhree days, with the balance reflecting on my account within two weeks. This was in XXXX, and despite waiting another month, there was no update. I was informed that the check was never delivered and that a new one would be sent. Another 30 days passed with no change in my account. 

It has now been eight months since I initially requested the refund, and I am concerned that this may be a broader issue affecting other customers and potentially indicative of deceptive practices. I request your assistance in resolving this matter and ensuring that XXXX XXXX adheres to ethical standards and promptly processes refunds. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
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. (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WY)

According to federal law credit transactions and experiences are illegal and should be excluded from my credit report.the following account is reporting 31 late payments on my XXXX equifax and XXXX reports and I have disputed this account 20plus times and XXXX mtr account # XXXX is violating my federally protected rights under 15 usc 1681 a 2 excusions and transactions shall not be reported.delete XXXX mtr account from all 3 credit bureaus immediately because it is seriously impacting my ability to obtain a vehicle and buy a home.also I did not give them written permission to report this account on my credit files.this account is reporting several inaccurate information according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.ive shown all of the inaccurate inconsistent incomplete information to XXXX XXXX and equifax and the keep ( verifying this account through e XXXX and not doing an actual investigation.ive asked numerous times how they investigated this account and they keep dodging my requests.i want {$1000.00} for each violation on my report.please forward my check to XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

My husband died on XXXX XXXX XXXX. I am his first and only wife and I am listed on the deed and the mortgage as his wife. Every time New Rez sends me documents, they address the correspondence to the XXXX XXXX XXXX XXXX instead of to me. This has caused problems with home owners insurance and also with just the reminder of seeing his name on documents causes me extreme grief and misery. I have reached out several times to ask them to address the documents to me and they always ask for a will. My husband did not have a will and I have been told that I do not need to go through probate since my name is already on the deed and mortgage. Can someone from New Rez please contact me to let me know how I can assume this mortgage in a simple and easy way. My ability to pay can be seen in my mortgage payment history and I understand that I am protected by the Garn St. Germain Act. Furthermore, I would like to add my daughter to the account as well without refinancing so that she does not have any issues if something were to happen to me in the future. Any assistance would be greatly appreciated.
Consumer complaint received 2024-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (PA)

It was the day after XXXX XXXX and I received a call from XXXX. This was about XXXX XXXX and before I had a chance to speak they were requesting my full name and social security number regarding a supposed unpaid medical debt they said I owed from two years ago. Never once did I receive an invoice from the XXXX XXXX XXXX XXXX and the debt collector said I was deliquent on a debt that was overdue, but I never received a bill. 
The XXXX had all my information so surely if I was late on a payment I would have known about it by now. 
Revco solutions was the debt collector that called, harassed, and gave me very abusive language over the phone. 
When I said I have a right to dispute the debt they kept talking over me. I informed them that I was XXXX  and they were causing me stress, but they did not listen. They ruined my entire day at work and the trip back home.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (SC)

I have tried XXXX or XXXX times to request assistance in the past XXXX years. The mortgage company either waits too long to reply and documents expire and have to be resubmitted or they never get through underwriting. They just closed XXXX I have been working on since XX/XX/2024. 

Foreclosure is being pushed because home is worth XXXX what I owe. 
STOP FORECLOSURE and review assistance pack