davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I tried applying to apartments in XXXX of XXXX  but was got denied due to a rental collection of {$7900.00} on my report. This was my first time learning of this. I submitted a dispute through all credit bureaus and called XXXX XXXX XXXX because I have never lived there, and wanted to know how they got my information. They concluded their investigation after I submitted proof that it was not my debt ( police report, FTC report, proof of rental agreement of apartment complex I lived during time of fraud, driver 's license ). They sent me a letter stating they are dissolving the debts, and requested removal from National Credit Systems. ( XX/XX/year> ) I have been in contact with National Credit Systems and submitted a hand-signed and notarized affidavit and all other documents. I have called them daily, and they stated they are awaiting confirmation from the client services department. I have spoken to XXXX, whom informed me to attach the FTC report to this XXXX  complaint so they have a copy. Attached is the letter from XXXX XXXX stating it is not my debt, proof of lease agreement and payment of where I lived during time of fraud, FTC report, Identity Theft Victim 's Complaint & Affidavit, email correspondence with XXXX XXXXXXXX, and the police report. I have exhausted all avenues, filed many complaints, and need this removed as soon as possible to be able to obtain housing. This is a clear case of identity theft. I am not responsible for this debt.
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: HarrisLoftus, PLLC (GA)

I sent XX/XX/XXXX email to HarrisLoftus , PLLC On there form they electronically. 
Debt Collector due to harassment. Have not will due so contact consumer financial protection Bureau. 

counter claim on my answer due contingency of harassment and debt collector practice. That I have been XXXX XXXX. 


I certify that I have this day served the plaintiff or his XXXXher attorney my Answer. 
I completed certificate of service by Depositing a true copy Of aforesaid documents of my Answer to HarrisLoftus PLLC in postpaid property addressed envelope with sufficient first-class postage affixed. official depository under the exclusive care and custody of United States postal Service. Dated mail on XX/XX/XXXX Signed certified receipt received XX/XX/XXXX Provided proof included
Consumer complaint received 2024-08-21
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: Receivables Management Partners, LLC (TX)

RMP LLC has not demonstrated that this account is being reported with the highest possible accuracy as required by the FCRA. Despite my repeated attempts through both the credit bureaus and collection agencies to have this account validated, I have not received a proper response. This leads me to believe that adequate procedures were not followed, given the violations I have identified concerning my credit report and the unverified accounts in question. 

How can a dispute be considered resolved when the customer disagrees with the outcome? Who determined the dispute was resolved? No reasonable procedure appears to have been conducted, and it is a violation of my rights to claim that an account has been resolved when I did not agree to such a resolution, and the information remains inaccurate. 

This company has violated FCRA 623 ( a ) ( b ) by failing to properly mark this account as disputed ( see attached letters showing when I disputed the account ).
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TX)

I had a car loan and checking and savings account with Wells Fargo. I'd like to know if I am owed money. If youre eligible to receive money, Wells Fargo is required to notify you. I have not been notified and am unsure if they have my info.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MN)

In XXXX XXXX breached there own contract and never helped me with 23 out of 95 orders that was ordered thru XXXX and paid with paypal. Paypal chose to not help me and locked my account as a buyer and trying to get help with the orders that were never shipped. Paypal has kept me locked out of my account and I was told buy the synchrony Bank the buyer of paypal credit the last payment was XX/XX/XXXX in the amount of XXXX. I need the payment history from Synchrony Bank. The dates and amounts. This should not be that hard to obtain and I have asked paypal and the Bank for the information they have not provided. If in fact they dont provide this info they need to remove this from my credit reports.
Consumer complaint received 2023-09-28
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Bank ; # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-21
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: CITIBANK, N.A. (CA)

My husband ( divorce pending ) opened 2 fraudulent debts, consisting of a balance transfer/credit card and a personal loan opened solely in my name, without my knowledge or consent. My personal identification information was used to apply/transfer these debts without my knowledge. This occurred within days ( approx. XX/XX/2023 ) of notifying him of my intent to separate. I was not made aware of these fraudulent balances until I ran a credit report ( XX/XX/2023 ) The open loan balance was not authorized by me and I did not receive, utilize, or benefit from the loan funds. My husband also authorized a balance transfer from one of his other credit cards to a Citi card in my name without my authorization. The balance transferred to this card does not belong to me and is not the result of a debt of mine. I did not receive funds, utilize, or benefit from either of these debts, which was done without my knowledge or consent. 

I have routinely contacted Citi Bank to investigate and reverse these open balances. The process has been overly arduous and they are unwilling to provide key information including the mailing address for the fraud claim filing. The loan was applied for online without any identity verification process and Citi has not been willing to share a copy of the original application. They have been resistant to help generally. Citi is refusing to investigate further despite the information I have provided and their own lack of proper fraud prevention protocols.
Consumer complaint received 2024-08-21
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I made a " promotional '' purchase at Lowes in XX/XX/year> for {$2200.00}. When I made this purchase, I was not informed about " deferred interest '' nor was I given any paperwork that disclosed this information. I was told by the store employee that interest would begin being charged when my promotion expired if the promotion wasn't paid off. No one told me that I would be charged {$1500.00} interest 2 years later when I most certainly have paid off the original promotional amount. I have been paying between $ XXXX {$300.00} every month to Lowes , believing these funds were being allocated toward the promotional purchase. This amounts to at least {$3600.00} paid over the course of 2 years since that promotional purchase ( {$1300.00} over the original promotional purchase ) Instead, Lowes has been applying my funds just to the interest charged monthly on my account balance. When I would pay above the minimum payment, my next minimum payment would be raised above what I paid the previous month with constantly increasing interest. Trying to pay off this card was becoming nearly impossible with the interest preventing me from touching the principal balance, and the {$1500.00} interest that was charged in addition to the standard $ XXXX monthly interest made for {$1700.00} charged to me in just interest. I contacted Lowes card customer service about these issues ( the exorbitant interest charged on expired promotion, and the inability to allocate my payments to said promotional purchase ), and they closed my account so now I can not access any of my purchase information until I receive a new card. This did not solve my issue and in fact just adds to my predicament as I now can not access previous statements, current activity, etc. 

A representative at Lowes also told me there was a specific option when paying online or on the phone to direct my payment toward promotional purchases ; however, no such option exists either online or on the phone. My options when paying online are : payment amount, payment date, and account to pay from. When attempting to pay over the phone, I am directed to make my payments online, and proceeding through the unnecessarily long process to pay over the phone also does not provide that option. So, trying to pay off promotional purchases are made as difficult as possible, and customers are deliberately misled so Lowes and Synchrony can profit. 

I feel this is all very predatory and people should not be tricked this way.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I asked them for validation of proof of debt when did I go do business with them and who gave them permission to be in my affairs because I didn't know them and I never agreed to do any business with them I also asked for a itemized list of the Dead so I can see what I was being charged for.
Consumer complaint received 2024-08-16
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I filed bankruptcy ... Which I excluded my Home mortgage.and chose to pay separtly.. MY loan has never been reported by Carrington Mortgage to XXXX... I am told I need to reaffirm my mortgage... .My Bankruptcy has long since been discharged... Why is this required? My home was never part of my Bankruptcy filing... XXXX XXXX...
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: MIDFIRST BANK (TX)

Midland Mortgage Company is reporting delinquencies inaccurately on an account that is a forbearance status. Resulting in Derogatory reporting on my credit report by XXXX.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX XXXX XXXX Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc. (NJ)

XXXXXX/XX/XXXX and XXXX XXXX XXXX are trying to charge me fees and collection charges for the month of XXXX, 2024 for my Business account that was closed in XXXX, 2024. XXXX extended my account closure date another month in order to charge a fee and send it to collections. XXXX never sent me any notification that my account would remain open until XX/XX/year> ( without my permission ). XXXX never informed me of additional fees and charges would incur AFTER the account is closed. I spoke with Reps from both XXXXXX/XX/XXXX and XXXX XXXX XXXX and was told that it takes up to XXXX to 60 days to process an account closure and they usually ask the customer to leave the account open in case any last transactions come through. Well my account had not had any transactions for several months, which is XXXX of the reasons it was being closed. I agreed to pay the bank fees accrued while the account was dormant of {$91.00} dated XX/XX/year>. I called the bank to make sure there was nothing else owed and that this would prevent any collections or notices to credit bureaus. The fee in question was {$4.00} in which I had no knowledge of the fee until I received a letter XX/XX/year> to collect {$200.00}, which includes {$100.00} in collection fees and confirmed by the representative today, XX/XX/year>. Allegedly, {$4.00} monthly fee for XXXX could not be deducted because the account was closed. Therefore, it was sent directly to their collections dept and they added collection fees. I should have been notified by mail, email or phone call before adding more fees. Also I have received an email from XXXX XXXX ( XXXX XXXX XXXX ) that this same process is happening with them because their renewal fee of {$49.00} was returned because the account is closed. and now they see that it is in collections and will need to send it to their collections in order to find out when the account was closed. This is turning into a nightmare over {$4.00} fee that I should never have been charged for in the beginning.
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (GA)

I am disputing a debt reported by LVNV Funding LLC, which originated with XXXXXXXX XXXX XXXX XXXXXXXX. The debt is associated with Reference Number XXXX, with a balance of {$2100.00}. 

Despite my ongoing financial hardship and inability to pay, LVNV Funding LLC, through XXXX XXXX, has been contacting me non-stop via phone calls and emails. These repeated contacts are causing significant distress and may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692d, which prohibits harassment by debt collectors.

I have previously attempted to dispute this debt with the credit reporting agencies, but it has not been removed from my credit report. I am now seeking assistance to ensure my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ) are protected.
Consumer complaint received 2024-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (TX)

I've had problems with this company since the very beginning. I'm not sure y'all can help me, but let me start from the beginning first they originally did a loan modification at a lower rate XXXX they supposedly sent paperwork to my house which I never received and they had to redo my no modification and give me a rate of XXXX. That was my first issue with them. Next is my current issue. I've been asking them to remove my PMI off my account and they keep giving me the whole runaround on getting it taken off. I just got off the phone with them and they're telling me I have to wait 10 to 15 business days for them to take a look at my record And all they have to do is just look at the paperwork that appraiser came to do my house but I feel like they're just doing this to keep trying to be more more more money on my mortgage payment They want to continue charging me PMI as long as they can Every time
Consumer complaint received 2024-08-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AL)

XXXX the XXXX 2024 was supposed to be credit XXXX and credit of the amount of XXXX it was never in my account irs sent it off XX/XX/year> I been calling and they keep saying the same thing I never had this problem with chime but I dont like that
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

DEBT VALIDATION CLAIM 15USC 1692G allows me the right to request debt validation claim I am requesting the following ; XXXX. Send me a full detail list of payment history for this account. 

XXXX. Send me the original signed contract that I agreed too for this creditor. 

XXXX. Has there been any insurance claim found on this debt? 

XXXX. Please provide the chain of title that you have to collect on this debt.
Consumer complaint received 2024-08-12
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: Shellpoint Partners, LLC (VA)

On XXXX XX/XX/year>2024, I requested Shellpoint Mortgage ( servicing provider for my XXXX XXXX XXXX loan ) to provide me with mortgage assistance options due to my recent XXXX XXXX  and reduction in monthly income. After conflicting information and keep telling me they have 30 days to respond, I was told to schedule an appointment with a mortgage assistance/loss mitigation representative. I had that call on XXXX XX/XX/year>2024 at XXXX and was told that Shellpoint can not offer me any mortgage assistance due to my account not being delinquent for three months. So basically they were telling me, without telling me, to not pay for three months and then I can potentially be offered options. Of course, this would be after my credit is ruined and there is no guarantee they would provide any financial assistance at that time. Even more, they could force me to repay the three months and if I can't, would force me into a foreclosure situation.

I was taking ever step possible to be proactive and prevent any kind of irriversable harm to my personal finances during this new chapter of my life, while also minimizing the stress and burden medical retirement has added to my life. Although I hope my XXXX XXXX is temporary while I focus on my health, the lack of support and options from Shellpoint has added another layer of stress. I thought mortgage assistance/loss mitigation options for customers was available to prevent these type of situations and not ruin someone's personal finances. To date, Shellpoint did not request any details on my personal situation, nor did they ask for verification of my reduction of income. You would think that is necessary to make any decisions about my case. Further, why did it take them 3 weeks to tell me this when they knew from the start that I would not qualify for anything they offer because I am currently not delinquent, much less three months delinquent.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

After multiple attempts to get the inaccurate information on our account corrected we are at the point of contacting a lawyer. We have banks statements Proving our payment was never late. Toyota Financial needs to remove those late payments and correct the issue.
Consumer complaint received 2024-08-12
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: Chime Financial Inc (LA)

Made XXXX purchases online over XXXX weeks ago. Upon further investigation, website determined to be a scam site, even though XXXX protection is listed. Filed claim with Chime, submitted documentation & claim was denied after about a week. I am not denying attempting to purchase goods from this merchant, but the site has been determined to be a scam.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KY)

Chime is holding my direct deposit stating that I have to verify via email before they release my funds. I have been getting direct deposit from the same company on the same day for 2 years. I have called 5 times spending total of 3 hours on the phone with them today and they still wont give me a reason why my funds are being held and still havent sent a email for me to verify. The first 2 people told me there was nothing wrong and they didnt have my deposit. Once I asked for a supervisor she then told me it was being held for verification but she didnt know what needed to be verified. This is very frustrating that they are holding my direct deposit but cant tell me what for or when they will release it.