davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

XXXX XXXX XXXX XX/XX/year> SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account XXXX Dear Southwest Credit Systems I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter.

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (TX)

XXXX XXXX XXXX XXXX Account XXXX XXXX southwest recovery serivce XXXX XXXX XXXX XXXX XXXX  tx XXXX I am writing to formally dispute the collection account referenced above. I recently received a notice regarding this debt, and I believe that it is either inaccurate or has been reported in error. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the original creditors name, the amount owed, and any supporting documentation that substantiates your claim. Please provide this information within 30 days of receiving this letter. 

If a consumer notifies a debt collector that they do not wish to be contacted further, the law under 15 USC 1692 ( c ) requires that the collector must cease communication with that consumer. Heres a more detailed breakdown : Additionally, I kindly ask that you cease all collection activities until this debt has been verified. If you are unable to provide the requested documentation, please remove this collection account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (CA)

Filed Complaints within the United States Supreme Court and FBI. Involved SSA and Office of Inspector General. Provided Hardcopies to Congress Judiciary Committee and received ONGOING status or No reply just Remarks on Law Enforcement and Third Party surveillance. Illegal Activity and Political Corruption involving my Identity and Personal Data breaches including additional surveillance ( National Reconnaissance Office ). Banks embezzling funds and using fraudulent Credit scores for increased principal and Interest Rates. SSN is most commonly involved with everything.
Consumer complaint received 2024-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP (LA)

On XX/XX/XXXX and XX/XX/year>, I sent an email regarding an application for XXXX benefits. I submitted my military benefits orders, enlistment contract, XXXX benefits certificate, an a memo stating that as an XXXX XXXX XXXX station in Louisiana, the XXXX provision extends to loans incurred DURING the service, and not only to loans incurred before joining the military service. 

I also submitted a copy of XXXX XXXX, Section XXXX ( a ) i, stating and corroborating this information. 

They response was as following : We have reviewed the Louisiana key provisions with our counsel and our response is in accordance with their guidance. The XXXX allows a service member to request a creditor reduce the rate of interest to six percent ( 6 % ) only for financial obligations that were incurred prior to the service member entering military service. You were on active-duty status when you applied and received your loan. In addition, your active-duty status does not materially affect your ability to repay your loan. As such, your account does not qualify for the requested reduction in your interest rate. 

That is true, for as an XXXX XXXX XXXX stationed in Louisiana, that provision is extended to loans incurred DURING the military service, according to the subsection D and A of such law. 

I want to request a complain and an interest reduction to 6 %, as well as excess interest paid through the loan since it was taken.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/year>, I attempted to freeze my credit with all three credit bureaus. Only TransUnion ( TU ) was a problem. Online, they opened an account for me, and then have not allowed me access to that account, saying " unable to verify ''. Yet, they verify me by automated phone, by email, text code, etc. and still won't let me in the account! I've been trying for a week now. I've left callback info on their automated phone line several times now, which required answering a long list of verification questions, then been promised a callback in calling order. NEVER got a callback! I've tried their chat which gets only long, useless, unrelated answers, from a machine that doesn't help at all. 

I NEED to know if my credit report is frozen, or not, and I need access to manage that freeze! 

Follows my feedback to Trans Union : TransUnion Feedback XX/XX/year> I've tried for two full days to freeze my credit. All I get on login is " unable to verify ''. Called twice, each time getting a promise to return my call. Never got a call back. PLEASE, fix the contact methods on your site. Give people a real way to contact you! 

XX/XX/year> - Unable to finish login for five days now. Unacceptable! Obviously, your online access has totally failed! I've called, and been put in line for a callback, multiple times. No callback yet for days! I NEED access to my credit info!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC (TX)

XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital , LLC is violating my rights under the FDCPA. This account deleted off of my credit report from the original company reporting to my credit report and now a third party company ( Spring Oaks Capital , LLC ) is reporting the same collection account to my credit report that has already been deleted. I have no knowledge of who Spring Oaks Capital , LLC is and they are claiming to be the original creditor as well. This account should be promptly removed from my account.
Consumer complaint received 2024-09-05
Product: Mortgage — USDA 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 (OH)

Shellpoint Mortgage dba NewRez is refusing to release loss draft monies that were paid by insurance company for home repairs from insurance claim. They paid out the first installment and repairs were made. I provided all documents requested and the home passed inspection by the mortgage companies inspector. I was told that since the home is over XXXX XXXX complete with repairs being done that the remainder of the insurance monies would be released within 15 days. On the 15th day I received an email stating that the funds would not be sent and now they are requesting more documents that I can not obtain. They are stating that they need a waiver of lien from a contractor that I did NOT use to do any work on my home. I provided them with the waiver of lien from the actual contractor that DID the work and they will not accept that. Instead they are giving me the run around and asking for things I can not get. They are asking me for quotes on work that has already been completed and passed their inspection. Why? The work is done what does it matter now? I chose not to use the contractor that the insurance company picked out of a phone book for me because they were cheaper. They didn't like the numbers on the 5 quotes I gave them so now this is an issue? The insurance company is who sent the quote/estimate to my mortgage company. I was left out of that process. This is who they chose not me! When I asked for a copy of the estimate from insurance company they wouldn't send it to me. I didn't see the quote until I got the check to send to the mortgage company. Insurance told me that I could pick whomever I wanted though to do the actual repairs and that they didn't care one way or the other. So I went with my own local reputable contractor who did a wonderful job. I can not complete the remaining home repairs needed until the rest of the funds are dispersed to me. They will not respond to my emails or phone calls nor answer my questions as to why they are asking for items I can't get. I have asked for the manager or person in charge they have not provided. Every time I contact them by phone a customer service agent tells me that it will be another 15 days to process. In 15 days I call and it's another 15 days to process. It has been since XX/XX/year> when the storm came through and blew a tree down through my roof and caused other damage. I am still trying to get it XXXX XXXX fixed and completed. I just got the roof done so I could live in it. This is the mortgage companies house until I pay it off and you would think that they would want it fixed and worth what I owe on it??? I don't know if you can help me but I appreciate your time. I have all correspondence I can provide to you except for the direct phone calls that were made to customer service. I believe those have been recorded by mortgage company or so they tell you. Thank you!
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PR)

Since XX/XX/2022, I have a credit line with PayPal Synchonic ( SYNCB ) of XXXX, which without notice or explanation was reduced to XXXX, which negatively impacts my credit. Since I have this line, my use of it has been excellent, I have never been late or paid late, I have always complied. I have a travel reservation which is being affected by this unexpected situation.
Consumer complaint received 2024-09-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (CA)

Used " ZELLE '' to send payment to a service vendor. Used incorrect phone number for transaction. Did not realize error until days later. 
First payment, {$150.00} on XX/XX/scrub>XXXX 
Second payment, {$250.00} on XX/XX/scrub>XXXX 
XX/XX/year>, contacted " ZELLE '' to request investigation. 
XX/XX/year>, reply from " ZELLE '' funds can not be recovered. 
XXXX contacted XXXX XXXX to request dispute action.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (NY)

Starting XX/XX/XXXX, my monthly mortgage payment was increased by {$410.00}. I contacted my current mortgage lender, Shellpoint Mortgage, to find out why my monthly payment amount increased and I was told that they added the lender paid home insurance premium on my account. I immediately sent the copy of my home insurance policy to Shellpoint Mortgage and confirmed with their customer representative they have received my insurance policy. However, they didnt remove/credit/waive the additional {$410.00} and require the master insurance policy for my condominium. Then, I provided our Homeowners Association and XXXX XXXX XXXX contact information to Shellpoint Mortgage so Shellpoint can request the copy directly from them. As of today, Shellpoint has not yet waived the additional monthly fee of {$410.00} and have charged 5 % penalty for the month of XXXX and XXXX because I refused to pay for the {$410.00}. The mortgage loan was initially from XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, then XXXX XXXX  sold the mortgage loan to Shellpoint during pandemic. The homeowner insurance was not required when I got the mortgage from XXXX XXXX in XXXX. Shellpoint added the requirement for requiring borrower to obtain additional homeowner insurance coverage. My annual homeowner insurance premium is less than {$500.00}. Shellpoint Mortgage charges the borrower ( me ) to pay for lender paid home insurance for {$410.00} monthly premium because they added this new requirement without the mortgagor agreement. I have clearly mentioned during the calls with the customer service representatives at Shellpoint that I refused to pay for the fees which I am not responsible for, not to mention I have my homeowner insurance coverage in place and have provided the policy to Shellpoint. Shellpoint Mortgage refused to waive/remove the {$410.00} lender paid home insurance premium and 5 % monthly penalty
Consumer complaint received 2024-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX I opened up my dispute against XXXX for XXXX, and even after I explained it MULTIPLE times the agent didn't do her job right and opened it up for {$300.00}. I also asked to allow me to submit my dispute documentation and they've refused to do so. 

On XXXX I called Capital One to correct the disputed amount and they refused to do so claiming they can't and it will take XXXX  days. This is unacceptable when I very CLEARLY told them the original disputed amount. Now I can't send my XXXX in for service for another XXXX  days because of your employee 's inability to do their jobs properly. When I got transferred to an escalation I told them I'm recording the phone call after they refused to help and they refused to proceed. I'm within my legal right to record a phone call when I disclose it and my state is a one party state. The agent was completely unprofessional and XXXX XXXX XXXX. 

I have the call recording on my side.
Consumer complaint received 2023-11-20
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: DISCOVER BANK (CT)

Regarding Case # XXXX Discover has not reopened Case # XXXX despite providing evidence from the merchant that a refund for {$1100.00} was processed on XX/XX/2023 and has not reflected on my Discover account as of XX/XX/2023. 

I am attaching the following documentation to this complaint : XXXX ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) Acknowledgement email from the merchant ( FTMO ) that a refund for {$1100.00} was processed on XX/XX/2023 Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (IL)

XXXX XXXX XXXX XXXX XXXX says owe them monies from 2007. I have not been a recipient since 2007 and they have recently taken my state taxes to pay off debt. This is a debt fro 2007 how is it possible when it was supposed to be dissolved after seven years. This debt is making it impossible for me to move into a new apartment. it is now showing up on y credit as closed but in collections.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you cant provide me with sufficient proof listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

I was on my brothers messenger app. A family member was saying she got help from a government agent for a grant. Realized scam when they kept asking for money. I asked personal questions that only the family member would know and they changed the conversation.Contacted bank and cash app and was told I willingly sent the money. Neither could tell we who received the money even though my bank has a sign saying they verify.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OK)

This is an update of case # XXXX. As of today I did not receive the alleged check that was sent on XX/XX/year>. Today, XX/XX/year>, I called Citibank and the check was stopped for payment and a new check is going to be created and maybe in XXXX weeks I will receive it. In the meantime my money is sitting in Citibank account generating interest. 
Was a struggle to deal with Citibank customer service and the special unit, XXXX XXXX XXXX The person from Executive Response, XXXX  tel XXXX XXXX ext XXXX, told me when I asked for a supervisor that there is no one above him. I made several attempts to get updates from him, never heard back. Today I contacted the regular customer service, did get to talk with a supervisor, XXXX, and what they both have in common is the unapologetic tone and leaving the impression that all this was my error. 
I guess will take more than {$500.00} millions in fines to make Citibank get their act together.
Consumer complaint received 2024-07-14
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

Ive been trying to collect an overpayment that I made in XXXX it was almost {$900.00} they sent me a check that I didnt cash since I was in the XXXX with my XXXX going through XXXX, they said theyd look into it, but ultimately that they sent the funds to the state due to unclaimed funds ; contacted state they said nothing wasnt sent to them from the mortgage constant. I just want my money to pay other bills.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOUTHSTATE CORPORATION (GA)

I became a member of XXXX  card back in XXXX. To be a member I had to pay {$490.00} to the company & I was to receive goods & services for me & my members. They kept putting off giving us compensation & then they folded leaving me with a {$490.00} membership fee & NO SERVICES were provided. 
I reached out to my bank at South State and their final determination was that no error occurred. I want my money back! I believe there is a class action suit against them as well. 
Southstate Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX is a direct sales company that markets products through XXXX XXXX XXXX.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Southwest Credit Systems, L.P. (CA)

Despite my best efforts I cant seem to get the credit companies to pay attention to the fact that the two derogatory collection accounts are related to if theft. FCRA law requires the companies to block that information within a five day period of time
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Experian Information Solutions Inc. (CA)

have a bout 2 late payments with XXXX XXXX on my credit report. The reason why I have the bad history is because I was not aware of the last 2 months payments after my car accident in XXXX of 2019. During that time I was shopping for a new car and dealing with the other person involved in the accident. I am already demonstrating better behavior with my new car financing company XXXX XXXX.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: SoLo Funds Inc. (PA)

Every 2 weeks I was able to borrow between $ XXXX {$570.00}. The company advertises 0 % APR but requires a tip to the lender and a tip to the company itself ( 7 % ,8 % ,9 % ). These are required fees.