davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

I have been dealing with an unresolved issue involving debt collection attempts related to a XXXX XXXX account, managed by XXXX XXXX, and sold to LVNV Funding LLC/Resurgent Capital Services . Despite numerous attempts to resolve the dispute over unauthorized charges and accrued interest, these efforts have not been successful. Key details include : Initial Disputes with XXXX XXXX  and XXXX XXXX : Over a period of several months, I contacted XXXX XXXX  and XXXX XXXX to dispute unauthorized charges on my account. Both companies refused to investigate the charges, each directing me to contact the other. This led to continued accrual of interest on disputed charges without resolution. 

Debt Sale and Collection Efforts : After the debt was sold to LVNV Funding LLC/Resurgent Capital Services , they, along with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX began attempting to collect the debt. Despite my repeated demands for communications to cease and desist in any method of communication with the exception of email only, they continued to repeatedly send mail through USPS, disregarding my communication preferences which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Formal Dispute Sent on XX/XX/2024 : I mailed a formal dispute, debt verification request, and information request to XXXX XXXX XXXX XXXX XXXX, the firm collecting on behalf of LVNV Funding LLC, via USPS Certified Mail and regular mail. To date, I have received no response from them, which violates the Fair Debt Collection Practices Act ( FDCPA ) requirement to respond within 30 days. 

Amount Disputed : The amount involved is an inflated {$3900.00}, which includes unauthorized charges and the interest accrued on those charges. Despite my efforts to resolve this matter, no adequate documentation or verification has been provided. 

Actions Taken by the Company : The companies involved, including XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, have failed to provide the requested debt verification and continued to communicate through unauthorized means, in violation of the FDCPA.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  and the credit bureaus ( XXXX, TransUnion, XXXX ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, XXXX and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BAM Management US Holdings Inc. (MI)

If the collection is from binance, Then it is about XXXX years ago, I downloaded binance .us app and create account, but immediately I deleted since It asked my Id to verify and I don't feel safe since is it from outside US . I deleted account. 

I got a call from Binance US and they said I owe them {$500.00}. I said I don't have account how I owe? They said I bought XXXX. I said how I buy XXXX  without paying? Can you buy something without providing payment? they said- okay you owe nothing, please provide your ID and we will take care of it. I said I am not telling you anything. 
and I hang up phone. Now I saw my collection reported {$170.00} I owe them. In these 1 year peroid I got several emails, phone calls but I ignored and finally they send to collection, and it went down my credit score from XXXX to XXXX.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

I was contacted by someone ( XXXX ) claiming to be part of Ally services ( bank ) who was requesting my social security and name ; I do not have an account with Ally thus I was suspicious and hung up. I proceeded to reach out to Ally 's publicly advertised contact information to determine if an account had been opened fraudulently using my phone number ( please bear with me as I am writing to report for FBI and Federal Reserve as well ). Turns out I do not have any accounts with Ally as I suspected. 

However, in the process of reaching out to each of Ally 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I stumbled upon a feature of the automated phone system that revealed a lot of information freely. 

Specifically in the case of Ally 's Auto Loans the automated phone system does not provide a natural way to reach an agent as the system requests you to provide an account number or an XXXX. In order to move forward I provided XXXX as a XXXX XXXX so I could speak with a representative about my fraud fears. Without any further steps, the automated system started to rattle out information about XXXX accounts related to that XXXX. This feels like a breach of privacy and a personal risk as it seems that any actual XXXX could be used similarly by anyone calling this line. 

This is what my complaint revolves around. Please stop these fools from freely publishing people 's data without any barriers. 

Thank you Steps to replicate my findings : XXXX ) Call Ally 's XXXX XXXX XXXX XXXX [ XXXX : XXXX ] XXXX ) Provide mock number XXXX # XXXX ) confirm this number as an XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (MA)

My information has been compromised. I have consistently made these claims and have file complains regarding suspicion of fraud. My inquiries with the representative from my Discovery credit account confirmed my concerns. I was told on XX/XX/year> a change of address was made on my account without my authorization. Naturally I requested who, where, and how could someone make this request? I received no notification requesting that I confirm this un-authourized request, I would think high security stipulations would be in place. 

How and why was I not notified? Who has access to my account? What other information do this person or entity have illegally obtained? 

I am requesting a full investigation and that all parties involved be brought to justice. I am angry!
Consumer complaint received 2024-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MI)

I have XXXX open loans with Affirm for XXXX purchases. I have an online account where I can check balances, payments and loan information. When making a purchase I was denied because Affirm could not verify my identity. I tried to check this on the website and found my account was locked. It has been almost XXXX months and I am still unable to access my account. I have made several calls and emails to resolve, but consistently get the same response, We are sorry but this account has to be verified. I have verified my personal information a few times and will receive an email requesting that I call to confirm so that they can verify and resolve my issue. Each time I call to do this they dont resolve anything and continue to say that the issue has to be reviewed before they will allow access to my account. I received an email on XX/XX/year> stating the case was resolved and I could access, but I am still locked out. When I call, I get the same runaround. Customer service does nothing to resolve this issue. I do not believe it is legal to keep from seeing my open accounts or from accessing these accounts.
Consumer complaint received 2024-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A. (OH)

I have been dealing with XXXX and PNC for my loan used to attend The XXXX XXXX XXXX XXXX XXXX XXXX which belongs to a chain of schools that have been found to have committed Institutional Misconduct. For whatever reason XXXX and PNC refuses to adhere to the Refund Policy regarding The Loan and the Holder Rule. PNC claims they have no business ties to the XXXX which doesn't matter. The XXXX was used to purchase a service that wasn't delivered upon by the XXXX. PNC gave me a representative that I had to play phone tag with who didn't give me any new information or accurate information. 

Statements from several joint investigations into The XXXX XXXX XXXX XXXX show that borrowers were ripped off by this school. PNC expects to continue to profit off my loan despite this information. 

" This group discharge is based on XXXX finding that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. XXXX relied heavily on evidence provided by the attorneys general offices of Pennsylvania, Massachusetts, and Iowa, which conducted multi-year investigations into, and brought lawsuits against, The Art Institutes and XXXX. As discussed in more detail below, EDs independent review of this evidence resulted in EDs finding that, between at least XXXX and XXXX, The XXXX XXXX engaged in substantial misrepresentations related to employment rates, salaries, and career services. '' The evidence I have sent to XXXX and PNC clearly states what Misconduct Occurred and why they should refund the amount under the Holder Rule. They ( XXXX and PNC ) seem to misunderstand exactly how the Holder Rule operates because they believe they can just say it isn't their problem because they aren't affiliated with the College which is behavior that the Holder Rule was originally established to combat. 

I would like like to speak to someone that actually asks questions about what happened with the college and the loan instead of just having a glorified secretary play phone tag and waste my time. 

PNC owes me {$19000.00} which I paid to them on a loan that is eligible for a school misconduct discharge. 

I have given XXXX / PNC several notices of the Misconduct from the seller ( XXXX XXXX / XXXX ). It is time for them to fulfill their end of the contract and for them to stop trying to XXXX out of refunding the amount they collected while I receieved none of the services that I paid for.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (FL)

CFPB closed my original complaint but Equifax did NOT solve the problem. I still cant login to my account. 

XXXX XXXX XXXX XXXX  CFPB complaint : Im locked out of the myequifaxXXXX  online account. All attempts to login and/or reset password end up with same error msg " we are temporarily unable to complete this request ''. I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. I first called equifax on XXXXXX/XX/year>. I have called five times including today, XXXX 

XXXX XXXX XXXX  Company 's Response according to notification from CFPB : Dear XXXX XXXX, In reviewing your MyEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at MyEquifaxXXXX. You will be able to access your MyEquifax account after registration is completed. If you experience any issues, please contact our consumer care department at XXXX between XXXXXXXX XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team XXXX XXXX  Ive already informed Equifax that when I try to register again at MyEquifaxXXXX that I get the error You have an existing account. The companys suggestion was useless. 

Here are the final two communications between Equifax and me. 

XXXX XXXX XXXXXX/XX/year> Equifax : Dear XXXX XXXX, I've sent you the account recovery link from the system. Please ensure that you are not using a private window, no vpn, and that your cache and cookies, along with browsing history is deleted. Should you still receive an issue a ticket has been put in to further investigate the issue. 
Respectfully, Equifax Executive Consumer Services ref XXXX XXXX XXXX XXXX ref XXXX XXXX XXXX  My Reply : I'm not using a private window or vpn. I cleared my cache and cookies, along with browsing history. I get the same error on my desktop PC as well as on my phone. I had your staff try it and THEY got the same error. 
Any suggestions? 

XXXX XXXX There was no further reply from Equifax. So far they've only supplied the same boilerplate strategies that I get when I call them at XXXX for months. I don't think they've made any attempt to get a higher level of tech assistance.
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, this is XXXX XXXX, My card has been restricted. Activate my cards or give me new credit cards and make both my accounts an open-ended consumer credit plan. 

12CFR 1026.13 15 USC 1666 16 CFR 1026.13 D 1-3 Please show Documentary evidence for why you have shut down both of my credit card accounts : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX  ) Asking for Documentary evidence puts my accounts automatically in the DO NOT PAY DO NOT COLLECT STATUS. 

Section 15 USC 1666 a. 
Can not report late payment. Can not close the account until there is a resolution for the billing error.if you do not then you are violating my rights.

15 USC 1666 b. Timing of Payments An Open-ended credit plan consists of more than 4 installment payments. I should have an open-ended consumer credit plan. 

Anytime my accounts have a balance of an excess of {$1.00}. It should be immediately transferred to my bank account. 
The top part of the statement is the bond, and the bottom part is my dividend check which is supposed to be deposited into my bank account according to the Electronic Funds Transfer Act. Please transfer all of my funds since the day I started my Capital One account. 

Routing number : XXXX Account number : XXXX A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as a late payment for any purpose.

Committing Mail Fraud under 31 USC 3123 Every Statement is supposed to say : You are not obligated to contract this is for solicitation.

Capital one is Trading my SECURITIES ON THE SECONDARY MARKET!!!! 
according to Capital One 's prospectus, they are not supposed to trade my securities on the secondary market. This is a violation of the Security Exchange Commission ( SEC ). 

Thank You XXXX XXXX XXXX Rights Reserved
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am currently reviewing my Equifax Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

XX/XX/XXXX - I requested this medical billing debt be removed from Amsher Debt Collectors since this was a result of medical fraud and Amsher did not verify the debt per the Fair Debt Collection Practices Act on XX/XX/XXXX per certified mail via USPS. They refused to remove this from XXXX Credit Bureau. Had they verified the debt, they would have found this debt was the balance of a medical bill awaiting to be filed with XXXX XXXX XXXX by the provider XXXX XXXX. It was under contract to be required to be file with XXXX codes which XXXX XXXX had not yet filed for XXXX to pay at 100 % since the out of pocket maximum had been paid by me directly to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Amsher is guilty of Debt Parking in which they purchase unverified medical debt to bribe victims to pay the debt in order to obtain loans. 
Amount {$2900.00}
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-15
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: SYNCHRONY FINANCIAL (NC)

This is regarding my CARECREDIT REWARDS MASTERCARD from Synchrony bank. Account ending XXXX I'm a victim of fraud and the bank is not removing those charges for months, here is the incident - A offshore hacker hacked into my XXXX account and placed XXXX fraudulent order on XXXX of XX/XX/year> - Even though XXXX recognize the charges are fraudulent, the Bank is not removing the charges and declining my claim- I talked to XXXX and XXXX XXXX  countless time and XXXX said : - They have already filed an appeal to the bank stating these orders/charges are fraudulent. XXXX 's latest appeal number to Synchrony bank is XXXX dated XXXX XX/XX/year> Please find beloe the XXXX order XXXX, date, fraudulent charges to the credit card XXXX XXXX {$310.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$380.00} XXXX XXXX {$310.00} XXXX XXXX {$470.00} XXXX XXXX {$310.00} XXXX XXXX {$380.00} Total : {$3300.00} Synchrony Bank never provided any dispute claim number, some of the recent interactions are as follows XX/XX/year> : Stating XXXX the fraudulent charges to the bank : - XXXX XXXX XXXX XXXXXXXX XX/XX/year> : - Called Synchrony Bank : - asking them to revert the charges XXXX reopen the case for the XXXX Time since XXXX XX/XX/year> : Stating XXXX the fraudulent charges to the bank : - XXXX XXXX XXXX XXXX XXXX XXXX mentioned they notified/ appealed Synchrony Bank that these charges are fraudulent. XXXX to Bank appeal number : - XXXX XX/XX/year> : Called Synchrony Bank : - asking them to revert the charges, reopen the case for the XXXX Time since XXXX XX/XX/year> : Called Synchrony Bank and asking about the resolution status : - no status given XX/XX/year> : Bank put all the fraudulent charges back to my credit card XX/XX/year> : - Stating XXXX the fraudulent charges to the bank : - XXXX number - XXXX XXXX : Called Synchrony Bank : - asking them to revert the charges, reopen the case for the XXXX Time since XXXX Please help me to remove these charges in my credit card,
Consumer complaint received 2024-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (OK)

In XX/XX/year> I informed One Main Financial that I was just informed of unexpected car repairs of {$2500.00} and I need to figure out if/how I was going to get the car repaired. The responded to let me know I had options to bring the account current and I asked for those options. On XX/XX/year> I received another text informing me I have options one of the options was a temp loan MOD  for {$210.00} for the months of XXXX, XXXX and XX/XX/year>. I selected this option. I was provided a link to click on to make payment and I informed them I dont click on links and asked if I could pay online and was informed that I could. On XX/XX/XXXX I received a text while at working informing me they sent the temp loan MOD  and pin to my email for me to sign and return. I was on my way to a meeting so I electronically signed and returned, but saw that the previously agreed upon terms were incorrect. I immediately reached out to them via text asking why the terms were different and received a response that I need to pay XXXX payment or my loan would be out of the branch. I responded and told them that wasnt my question and they said my terms were what we agreed to verbally and agreed that the document could be confusing. I told them any MOD should reflect the correct terms since it is a legally binding document. They asked me to call instead of texting, but I didnt because I wanted all communication to be in writing. On XX/XX/year> I reached out to their Corporate office and asked why the MOD didnt match the terms we agreed to verbally and told them the is confusing. They agreed again that it could be confusing, but the terms are the verbally agreed to terms. They also stated that their MODs are auto generated and had the same terms listed on all of them. I told them that doesnt make sense and a MOD should have accurate and complete terms on it. I let them know they were violating UDAAP and I would be in contact with the CFPB for assistance.