davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (AR)

Someone called Citibank and requested a replacement card... I can't seem to get anyone to confirm if this person gave my security word in order to have a secondary card sent. They sent it to Indiana where promptly went to XXXX and created XXXX fraud charges. Kind of hard for me to be in XXXX as at the time I was there charging, I was at the same time at XXXX in Arkansas. When I called to report the fraud they had me cut that card and sent a new card. I had the card approx. XXXX weeks and on XXXX Citibank sent a replacement card to an address in Texas, I asked again, did they provide the security word. This is the only credit card company that I am having issues with, they seemed to have such lax guidelines that anyone can call with a name and tell them they never received their replacement card and have one sent. When does Citibank take responsibility in how their guidelines and procedures are in place in protecting their customers. I am now on XXXX card and have changed passwords, user ids, account security codes twice now and still it is happening. I am at a loss on how to get Citibank to take better measures in protecting their credit card holders.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (GA)

In accordance with the Fair Crediting Act this Creditor : LVNV FUNDING LLC XXXX XXXX RESURGENT CAPITAL SERVICES L.P- ( XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX ) has violated my RIGHTS. Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (FL)

15 usc 1692c ( c ) I am not liable for this debt of XXXX XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested my wet signature and ID verification. Therefore please remove immediately
Consumer complaint received 2024-08-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (TX)

Request for 1099-C Cancellation of Debt and Removal of Account I am writing to formally request the issuance of IRS Form 1099-C for the cancellation of debt related to my account with Uplift/Cetlic Bank. Additionally, I am requesting the immediate removal of this account from my records. Listed below are the alleged accounts in question : To ensure full compliance with applicable laws and for the purposes of verification, I am also requesting the following : 1. Information on who the alleged debt was sold to, including details of the sale to XXXX XXXX. 
2. Copies of all documents related to the origination of the alleged debt.

3. A detailed account history that includes all transactions, fees, interest rates, and any other relevant information.

4. Confirmation that the alleged debt information reported to credit reporting agencies is accurate and complete.

5. A statement of the account reflecting all charges, payments, credits, and the outstanding balance.

6. Issuance of IRS Form 1099-C if any portion of the debt has been canceled.

Furthermore, it has come to my attention that UpliftXXXX XXXX  has reported the sale of the debt to XXXX XXXX XXXX This action constitutes a violation of federal regulations, and I am requesting immediate removal of the record of sale. 
Please note that it is illegal to report earned income from the canceled debt if it has been charged off and reported as such on my credit report. If Uplift/XXXX XXXX has already written off the debt as a loss, it can not simultaneously report it as a charged-off debt on my credit report and claim it as earned income. This constitutes a violation of federal regulations and consumer protection laws. 
This request is being made in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Truth in Lending Act ( 15 U.S.C. 1602a and 1602p ). As such, I expect a timely and legally compliant response within the period specified by these laws.

Failure to provide the requested information and documentation within the mandated time frame will be considered a violation of my rights under federal law. 
I look forward to your prompt attention to this matter and a swift resolution.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoNation Enterprises Incorporated (TX)

I went here to get a vehicle. After XXXX days of sitting around the dealership ignored and looked over we made a deal for a vehicle. The vehicle had hail damage and it was never disclosed on the website. The sales rep did not disclose this to me either, despite having communication prior to my arrival. The vehicle also had other broken components so they kept the car to fix it. XXXX days later I went to pick up the vehicle. As soon as I get on the highway the check engine light and tire pressure lights come on. I returned the vehicle, within minutes. A few weeks later I get notice from the lender saying I needed to provide insurance on the vehicle. When I call the company they have no record of a return and claim that I am still on the line for the vehicle payment. I called XXXX everyday, XXXX to 4 times a day to speak with someone in finance. I was constantly put on hold or told that someone in finance would call me back. I never spoke to anyone. After calling for a week, I received an email that they notified the bank of the return. At this point the account is listed on my credit report. This company is XXXX  and negligent in their customer service. It is hard to speak to anyone or get any resolution for issues.
Consumer complaint received 2024-07-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I was approved for full discharge and refund of my federal student loans due to unlawful misconduct by XXXX XXXX XXXX under Borrowers Defense, however, Navient has denied the same relief for my private loans under the same conditions from the same school. 

After submitting detailed answers and evidence of misconduct in their School Misconduct application, I was given an arbitrary denial letter stating that I simply " do not meet the requirements for discharge based on misconduct ''. It had no detail or reasoning as to why they would deny the same relief that the federal government itself has found to be appropriate and fair based on its findings.
Consumer complaint received 2024-07-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (OK)

My wife and I put our home for sale and quickly got into a contract using the VA assumption program. We got into a contract with another XXXX XXXX XXXX XXXX and this was in XXXX. We were working with XXXX XXXX Mortgage ( XXXX ) and the process was very slow. We were told it could take anywhere from 4-6 months to complete. 

In XXXX only a couple week before closing we found out that the servicer was being changed to Mr. Cooper and that everything would be transferred as is starting XX/XX/XXXX. XX/XX/XXXX we ended up closing and our title company sent all the documents to XXXX like stated on the closing package. They were supposed to record it and process it and instead they just sent it to Mr. Cooper, just for Mr. Cooper to tell us that they needed to send it back to the original servicer ( XXXX ). At this point it was already mid-late XXXX and nothing has been done until we started bothering them and asking questions and it finally got recorded and processed around XXXX. This is now about 8 months after starting the process and XXXX XXXX months after closing. We were told that the documents had been complete and were being sent back to Mr. Cooper for them to process everything and then send it to the XXXX Ive contacted the VA numerous times now and they have not received anything from Mr. Cooper XXXX We are now almost in XXXX and nothing has been done. Mr. Cooper now will not speak to us since we are not the owners of the home anymore and the loan is not under our names. It is now listed under the new owners names with XXXX XXXX and the mortgage company. The VA is still showing us as the owners and are still using my entitlements because XXXX has not sent the Closing/Assumption documents that include the release of liability form that is needed in order to release me of liability and use the new owners entitlements. We are now almost in XXXX and we moved in XXXX to Oklahoma and were supposed to be buying a house and ended up having to back out because our entitlements are completely tied up with this house. No one can direct us, no one can help.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/year> at XXXX I deposited cash {$3000.00} 3 separate times and then i deposited {$900.00} more and the ATM terminal no is XXXX retained my cash deposit of {$900.00} and gave me an receipt! I already made an claim with Capital One and its already been 8 days that i dont access of my own cash deposit!
Consumer complaint received 2024-07-30
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: SANTANDER HOLDINGS USA, INC. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX  of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (AZ)

Contacted credit management lp on XX/XX/XXXX. Asked then to verify debt and they couldnt. This was an account I had back in XXXX with XXXX XXXX. I discontinued service on XX/XX/XXXX however they kept charging me for 3 months after. I was not living there. I had moved back to Maryland for a family emergency. I was never aware of this balance. They said they reached out to me however it was wrong phone number and address. This balance is from 3 years ago and it is just now showing up on my credit report.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (OR)

The company is AMSHER COLLECTION. XXXX XXXX XXXX # XXXX XXXX, AL XXXX. I was not notified in any way by phone, mail, email, ect of this debt. I asked them to remove it from my credit report because It showed up on my credit as a resolved dispute and I was never giving such notice of this debt. the company has tried collecting the funds of {$320.00} dollars. I asked them for the verification form and they did not provide it, they sent me an email back saying they are not a billing company and to get ahold of t mobile which isn't even the name listed on the collection. I emailed back with the law 15 USC 1692C ( C ).
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

Received a notice of repayement on student loans. I have tried to do an income driven payment plan, a XXXX XXXX XXXX XXXX application but the website is not allowing me to do so. Since Mohela has taken over it has been very difficult to get anything processed. I get several pieces of mail from them and the terms of my loans keep chanigng. The payment amounts keep changing. They have not processed the PSLF that I submitted in 2023. They are very difficult to deal witht and do not provide clear information on how to go about reducing monthly payments. They keep shifting my loans to a new platform or new provider. I'm so confused on what I need to do to make sure I'm keeping my loans in good standing. They have been very diffictult to work with.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (MD)

XXXX XXXX XXXX XXXX XXXX, MD XXXX : XXXX : XXXX Date : XX/XX/year> BMW Financial Services XXXX XXXX XXXX, OH XXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear BMW Financial Services, XXXX XXXX XXXX to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter. 
1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by Pacific Concrete FCU v. Kauanoe, 62 Haw 334, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports.

3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

Ive tried to use the three prepaid gift cards that we received as payment from our mortgage company. Ive been unable to use them online, in my XXXX wallet, or in actual stores. I tried to use them at XXXX XXXX XXXX XXXX in XXXX. The cashier tried more than one method to get the card to work, but couldnt. I hope that this money is not just lost. Calling Amex did no good. They say to use the card in person. I have tried to multiple times. It isnt right that American Express c an issue cards that cant be used. They must keep a lot of money from people who give up or dont have the time to work on this. I gave them to my XXXX XXXX XXXX son who can figure out every way to do something involving money and he couldnt use them. Please help. Thank you.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HW Holding, Inc (NJ)

Today I was alerted by a credit reporting service that Hunter Warfield has reported me as owing a debt that i do not owe and and an address that I dont live at. I went to correct the address and it says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never lived there and am a life long XXXX resident. It was reported to XXXX. I then received a negative credit alert on XXXX and learned that they are reporting the following Account name HUNTER WARFIELD Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$20.00}, XXXX past due as of XX/XX/year>. 
Status updated XXXX XXXX  Balance {$20000.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$20000.00} I dont owe such a debt and have never heard or done business with these people. It has dropped my credit score by XXXX points and I dont even owe the debt. Can you please assist in having this removed.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (NJ)

I am filing a complaint against a debt collector for their failure to validate a debt they are attempting to collect and for reporting inaccurate information to the credit bureaus. 

I received a collection notice regarding a debt claimed to be owed. Upon receiving this notice, I immediately disputed the debt, as I did not recognize it and had no contract or agreement with the collector. I requested validation of the debt, which included : A detailed breakdown of the amount owed, including principal, interest, and any fees or charges. 

The name and contact information of the original creditor. 

The original purchase agreement or contract related to the debt. 

Proof that the collector had the legal right to collect the debt. 

Despite my request, the collector failed to provide the necessary documentation. They continued to report this disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This action violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Additionally, the collector did not provide their state license number or details regarding their licensing, raising concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that the collector immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.