davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP (TX)

A demand letter was sent to me by Delgado Acosta Spencer stating I owed them money and legal action would be taken if I did not respond. 

I sent a cease and desist letter asking the company to validate the said debt that was owed along with signatures and validation of said debt. The company received my letter and still made contact with me without validation. 
The exact letter is down below To whom it may concern, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year>, received on XX/XX/year>. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am exercising my right to request validation of the alleged debt.

Additionally, I assert that any contract related to this debt may have been entered into under duress and coercion, and therefore, may not be legally binding. As per relevant contract law principles, including those outlined under Texas law, a contract entered into under duress or coercion lacks the necessary consent and is voidable.

Specifically, I request the following information : XXXX. Verification and documentation of the original amount of the debt. 
XXXX. The name and address of the original creditor to whom the debt is owed. 
XXXX. An explanation of how the debt was calculated, including an itemized accounting of the charges. 
XXXX. Proof that the debt collector is legally authorized to collect the debt on behalf of the original creditor. 
XXXX. Copies of any agreements that I have signed, showing that I have agreed to assume the debt, including evidence that such agreements were entered into without duress or coercion. 
XXXX. Certified copies of all documents related to the alleged debt as per Texas law. 
XXXX. Please provide any documentation showing any insurance claims that have been filed related to this debt. 
XXXX. Please provide the chain of title for the debt, including any documentation that shows the progression of ownership from the original creditor to your organization. 


In accordance with 15 USC 1692g, I request that all collection activities cease until this debt is validated. Failure to provide the requested documentation within the 30-day period will be considered as your agreement that this debt is invalid, and any adverse actions against my credit report will be considered a violation of the FDCPA.

Please respond to this request at your earliest convenience. You may send the requested documentation to my address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX natural issuer lien right, subrogee, all rights reserved, without recourse UCC-3-402 ( b ) ( 1 )
Consumer complaint received 2024-08-09
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 (VA)

Chime secured credit card Dispute # XXXX for a transaction dated XX/XX/year> For a total of {$180.00}. Chime has already took back the funds from my XXXX  weeks ago. They wont issue me back my money. The dispute says it takes 10-20 business days to resolve Ive been waiting since XX/XX/XXXX. Now they gave me a time limit of XX/XX/XXXX to resolve.
Consumer complaint received 2024-08-09
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: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (PA)

Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Ref. Number XXXX - XXXX XXXX Dear Stillman Law Office, I am writing in response to your letter regarding the above-referenced matter. However, I am disputing this collection for the following reasons : The legal services provided by XXXX XXXX were rendered to XXXX & XXXX XXXX XXXX, not to me personally. 
The owner of XXXX XXXX Firm did not provide adequate representation as per the terms of the contract.for XXXX XXXX XXXX  I disagree with the unprofessional services provided by XXXX XXXX. 
Therefore, I request that this collection be removed from my personal name. Additionally, I ask that you notify all credit reporting agencies of this correction. 
Please be advised that if this collection remains on my credit report after XX/XX/year>, I may pursue legal action to protect my personal credit. 
I hope this matter can be resolved in a professional and timely manner. You may reach me via email at XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (IN)

This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. Charged XXXX Cash app name XXXX XXXX ( $ XXXX ) XXXX XXXX XXXX  This company is fraud XXXX I am asking to be refunded for harm they cause becaue they are a scam. Charged XXXX Cash app name XXXX XXXX ( $ XXXX ) XXXX XXXX Failure to exercise reasonable care in regarding consumer information lawsuit. 

Check should be sent to my updated addresss as I dont use cash app because of its fraudulent things that occur
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on Monday XX/XX/2024 I received a text message regarding my XXXX  credit card issued by bank of america that my credit limit was reduced by {$2500.00}. The initial limit on the card that was approved was {$7500.00} and it was just reduced to {$5300.00}. although I do understand that credit card companies have the discretion to increase or decrease credit limits, I did not understand this decision by bank of america. I do carry a large credit card balance on my credit cards but my payment history is perfect ; Since the last year I have been making $ 500 monthly payments to Bank of America and at times even more ; I have always made over the miniimum payments. So I used the credit card and paid back again and again ; over the last year I have paid over {$6000.00}. I had made a {$500.00} payment XX/XX/2024 and when I saw the annual fee I paid an additional {$100.00}. on Monday the credit limit was reduced making my recent payment in effect " disappear '' because the credit limit was reduced! I called and I explained my comlaint and I was told that I could be issued a refund for the payment above the minimum payment required. So I said yes, please issue the refund in the amount of {$440.00} ; the minimum payment was {$150.00} and I had paid {$600.00} total. Since XX/XX/2024 the date the refund request was made, I have been lied everytime I call to inquire about the status of the refund! I was told it was expedited, but it was not true ; I have a case XXXX XXXX. This case number was given to me by supervisor ; I was lied to though because I was told today that Bank of America does not exepdite refunds ; I called XX/XX/2024 and I was told by a representative that I was going to receive the refund todayXX/XX/2024 and the refund w/b deposited to my Bank of America checking account ; that was a lie! I called XX/XX/2024 and I was told that there was no expedited request. Every time I call I receive another lie! I do not even know whether a refund request was even made! All lies!
Consumer complaint received 2019-08-05
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: AMERICAN EXPRESS COMPANY (TX)

XXXXr american express ( amex ) XXXX  XXXX XXXX XXXX and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am writing to formally lodge a complaint regarding the auto loan I obtained through Santander Consumer USA. It has come to my attention that Santander Consumer USA Inc. has engaged in practices that violate consumer protection laws by exposing me to unnecessarily high levels of risk and knowingly placing me into an auto loan with a high probability of default. 

Specifically, I believe that Santander Consumer USA Inc : Engaged in Unfair Lending Practices : During the loan origination process, I was not provided with accurate and comprehensive information regarding the terms and conditions of the loan. The terms presented to me were excessively unfavorable and carried an unreasonably high interest rate, despite my qualifications for better rates. 

Failed to Assess My Ability to Repay : Your company approved my loan without properly assessing my financial situation and ability to repay the loan. This has resulted in severe financial strain and a high likelihood of default, which could have been avoided with a more thorough and responsible lending process. 

Placed Me in a Predatory Loan : The loan provided to me was structured in a manner that seems predatory, designed to maximize profit at my expense. This included inflated loan amounts and additional unnecessary fees that were not clearly disclosed or explained. 

Falsified My Finances : The dealership falsely added a downpayment to inflate my income, deflated my expenses by not including my actual Rent Expenses or other household expenses to the application, as well as added additional years to my time of employment in order make the loan more favorable to your underwriters. ( See Enclosures ) Sold Ancillary Services : The dealership also built 2 ancillary services into the loan itself, A GAP Insurance Contract and a Service Contract which they pushed for me to use to cover repairs required but not initially disclosed at the time of sale while the company had been previously barred from allowing dealers to act in such a way. See Enclosures ) These practices are not only unethical but also in violation of various consumer protection laws, including but not limited to the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair, deceptive, or abusive acts and practices in the consumer financial market. Specifically, failing to properly test and assess my ability to repay puts your company in violation of terms set in a Settlement Agreement between a Multistate Committee of Attorney Generals and Santander Consumer Finance Inc.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I have a Bank of America checking account and also a Bank of America credit card. As my payment is coming due I attempted to use their online banking system to transfer my payment from my checking account to my credit card, as well as set up auto pay. I was unable to set up either transaction via online banking so I called their XXXX number. After an hour I'd spoken with XXXX different Bank of America representatives, XXXX of whom XXXX  me ( referring to me as 'XXXX  ' ), but the majority of that time was spent listening to hold music. The XXXX  associate from their technical support team confirmed that the problem was with their website, but I was then transferred to a XXXX  associate who was going to send me some " helpful links '' to resolve my issue. These links were, in fact, tutorials for the system that we already confirmed to be broken.In the end I was able to process a one-time payment. I was not able to set up automatic payments and can not do so as their website remains broken. I did not appreciate the dismissive tone of the XXXX  associate, nor did I appreciate the XXXX  from multiple associates with the bank.
Consumer complaint received 2024-07-27
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. (CT)

A XXXX XXXX was applied for and opened in my name on XX/XX/year> with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to XXXX as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them
Consumer complaint received 2024-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I noticed this account on my hard inquiries and wasnt aware of it so I contacted the company to see what it was and thats when I found out an account was opened online without my acknowledgment so I disputed it and thats when they turned it from a hard inquiry to a collection and I have been disputing it since then and they continue to leave it on my credit report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items : BK OF AMER XXXX, BK OF AMER XXXX, BK OF AMER XXXX ; was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( XXXX ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/year>, I sent a Notice of Error to Select Portfolio Servicing Inc ( " SPS '' ) regarding its failure to apply mortgage payment of {$7300.00} for mortgage due on XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>, SPS received a payment of {$3000.00} and on XX/XX/year>, SPS received a payment of {$4300.00}, for a total mortgage payment of {$7300.00}. The monthly mortgage payment on the account due each month is {$7200.00}. The account is not escrowed. Therefore, the amount of of {$2000.00} is not escrowed and SPS does not have the right to collect it each month. Any purported shorted amount of {$2000.00} is discretionary pursuant to applicable law attached hereto as there is no " escrow '' account in effect. As such, SPS does not have the legal right to delay the application of the payment for mortgage due for XX/XX/year> which is {$7200.00}. The remaining amount of {$1.00} ( balance after mortgage is deducted from the {$7200.00} payment ) is discretionary, and to be applied to shortage resulting from advance made by SPS, accordingly.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (NY)

The account from SPRINGOAKCAP ( XXXX ) has been reported on my credit history, which has been perplexing for me since, until the moment I checked my credit history, I had not received any notification from the original creditor ( XXXXXXXX XXXX ) or from the collector that an account would be transferred to a third party. This has been problematic as their presence on my report has significantly affected my finances and credit applications. I filed various disputes with the credit bureaus, requesting validation of the information, as well as with the collector regarding how this transfer of my credit information was handled. I did not receive a response from them, so I decided to take action and submit this complaint. 

Based on a preliminary investigation and analysis of my credit report, I noticed that the account is being reported irregularly among the credit bureaus, providing incomplete information that varies between them, and even some bureaus do not report the account at all. My research shows that these discrepancies fall under the definition of violations of sections 15 USC : 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), 15 USC 1681s-2 ( a ) ( 2 ), and 15 USC 1681n . Given these facts, I determine with certainty that the account does not meet the legal requirements to be reported on my credit history.
Consumer complaint received 2024-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc. (TN)

My wife and I sold our home in XXXX of XXXX. The company didnt cancel the auto payments, and we were charged a payment for XXXX even though we had sold. I proceeded to call the company and ask for an explanation and when I would receive the money back. I was told to wait for the escrow check and it would be a separate check. The check came and we only received the escrow check. I proceeded to call and get an explanation, the woman on the phone said it didnt make sense and even she would just dispute the charge. I disputed the charge with my bank because bsi had no intentions of returning that payment. For the rest of XXXX the loan still said paid in full, it wasnt until I randomly checked it XX/XX/XXXX that the online account said I was short. After finally getting a manger, it took around XXXX calls he said that the extra mortgage payment was returned in the escrow check. No other associates could explain or look it up. I dont believe this company is operating fairly or honestly. They have given me the run around almost every call and never call back like they say they are going too. Now Im being charged interest because of their mess up, and instead of just paying the XXXX payment that they are saying is required they are charging me XXXX for interest and late fees.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar mortgage has incompetent and irresponsible accounting practices. Since they have acquired my loan, they have missed property tax payments due from my impound account, lost payments, miscalculated unpaid balance owed with timely payments, and have the audacity to send me a letter saying I owe them a late fee. My credit scores are over XXXX, and I 've never missed a payment on anything. EVER! I do not trust they are operating with a fiduciary responsibility to their clients. It 's unethical to place a customer, who is making early on/time payments in harms way with regard to their credit. Their poor accounting practices are placing my credit in harms way.
Consumer complaint received 2024-08-08
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: AMERICAN EXPRESS COMPANY (MD)

On XXXX XXXX XXXX XXXX, American Express authorized a payment to XXXX XXXX XXXX for a substantial amount of {$2400.00} over my {$1000.00} credit limit. Budget Rental Car did not provide me or my authorize user with a bill of charges. Once I filed the dispute with American Express, thats when I was able to see a bill. XXXX provided generic documents to American Express that did not have signatures from any parties for the rental. American Express is requesting receipts from me or my authorize user in order to resolve the over-the-limit transaction. I have informed American Express that I do not possess any documents because XXXX did not provide any. I have informed American Express that the company declined an over-the-limit transaction for about {$300.00} in XXXX or XX/XX/year>. I have informed American Express that me and my authorize user never opted-in to approve over-the-limit transactions and that the company is in violation of 12 CFB 1026.56 ( b ). American Express arbitrarily authorized an over-the-limit transaction for {$2400.00} over my credit limit but did not authorize an over-the-limit transaction for {$300.00} over my credit limit.