davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING account number XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year>, charged off the debt and sold me to XXXXXXXX XXXX credit report reflects it's an Open account Thats wrong. Its still reporting on my credit report. per section XXXX XXXX XXXX ' validation Notice I didn't receive a validation letter with my signature validating the debt, furthermore ; XXXX passed a law allowing consumers to request collection removal from their credit report. Thank you
Consumer complaint received 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

THE COLLECTION COMPANY FAILED TO PROVIDE NOTICE OF DEBT. FAILED TO VALIDATE DEBT. THIS IS A COLLECTION ACCOUNT BUT IS REPORTING AS OPEN. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2. A COLLECTION ACCOUNT CAN NOT REPORT AS OPEN. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES. 
THIS COLLECTION ACCOUNT IS REPORTING AS LATE/PAST DUE. THIS IS A CLEAR VIOLATION OF 15 USC CODE 1681S-2 INACCURATE REPORTING. A COLLECTION REPORT IS NOT THE ORIGINAL CREDITOR AND THEREFORE CAN NOT REPORT AS LATE OR PAST DUE. THIS IS ALSO A VIOLATION OF 15 US CODE 1681B-CONGRESSIONAL FINDINGS AND PURPOSES.
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I did not receive the loan statements for XXXX, XXXX, and XX/XX/XXXX and for the months of XXXX and XX/XX/XXXX. They are sent to me via United States Postal Service mail.
Consumer complaint received 2023-07-08
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc. (IN)

XXXX SUNBit Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate reporting of my Recent XXXX  XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/year> XXXX Atty XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? SUNBit ( Credit Card loan ) still reporting a Balance of {$160.00} ( it should be XXXX ) and it should have ceased in XX/XX/year> the month of XXXX and not to continue to display in box 30, 60 days late
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AK)

A creditor called " LVNV FUNDING LLC '' contacted members of my family and me. Their calls were disturbing and vague. They refused to prove they own the debt, and that I owe a debt. My family and I want to be left alone and I want this debt stricken from my credit report. I don't recognize this debt. I have never heard of it before and it is mistakenly on my credit report. 

XXXX Bless
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (KY)

I just checked my credit and I have no idea as to why its on there. They never contacted me at all. I want evidence showing that they even tried to contact me How can a company put on my record without contacting me
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TFS FINANCIAL CORPORATION (CA)

I have had the mortgage for many years, and had set up automatic payments. Initially I has some problems with automatic payments as Third Federal would refuse payments directly to the mortgage account number. They could not fix this. I also had a separate account with them, and I set up automatic payments to go to that account instead, and then automatically forward to the mortgage account. This worked every month for many years. The bank then changed something in their system without notifying me, and the transfer was rejected. I noticed the error a bit more than a month later, and corrected it, but they already reported the missed payment. My credit score when from excellent to bad. I also lost money due to fees and interests falsely charged against me. 

I have not been able to reswolve this, and I have not found anyone to talk to that can tell me why the bank failed me, and why they will not take responsibility for their defect. They said they tried to reach me. I was never contacted. I am easy to reach by phone, email, letter or any other way, and resolved it as soon as I discovered the banks error.
Consumer complaint received 2024-03-30
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 (TX)

BMW financial services reported two late payments to the credit all 3 credit agencies. By law Cornell law. 15 usc 1681 ( a ) ( 2 ) exclusions. ( i ) exclusions. Except provided in paragraph ( 3 ), the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( BMW financial services ) making the report ; this reporting of the two late payments to equifax , transunion , and experian are clearly a violation of the law!! PLEASE REMOVE THE TWO LATE PAYMENTS FROM MY CREDIT REPORT. as this is a violation of the law. This is the law stated in XXXXXXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

I took loan from Mariner Finance. Due to loss of income in house this loan wen past due. In XXXX this account was moved to collection/ Lawyer. 

I dealt with Law office and paid past due amount in XXXX and since been making payment with law office. 

Company is reporting this loan in collection instead of paid as agree. 

I called XXXX office - as suggested by their lawyer- and are not ready to listen or make changes.
Consumer complaint received 2024-03-30
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: CITIBANK, N.A. (NY)

It appears that this company created a fake agreement under the name XXXX XXXX in XXXXXXXX XXXX  XXXX, of which we have no knowledge. They attempted to fraudulently bill our credit card on XX/XX/XXXX, which we caught and reported to Citibank. The merchant is asking Citibank to have someone log in to this account, which can not be done because it would activate an account and initiate an acceptance of their terms. This merchant uses a third-party company that recaptures disputed accounts by bombarding credit card issuers with nonsensical documentation, leading them to fictitiously believe that there was an actual agreement set up with the merchant, which there never was. Even in this case, the documentation provided to the merchant by this third-party company, and then forwarded to the credit card issuer, Citibank, did not even provide a username. They are very careful not to overstep the law by putting the account in the actual credit card holders name.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc. (CO)

. 


Summit A R On XX/XX/year>, I rented a car through XXXX rentals, I was a platinum member renting cars by the week and month. 

Well I returned the car and I got an email a week later stating they had to replace the tire because the tire was flat. How could I of driven there with a flat tire? And the guy who checked me in said everything was good to go. Well in XXXX they email me saying the damage which was {$200.00} for the tire. I called the lady who checked me out and told me not to worry about it. On XX/XX/year>, I became incompassitated for a few years with no access or ability to do anything. I'm finally cognitive able and free to roam around and here I look at my credit score with this. 

I tried contacting XXXX and they told me that there's nothing they could do because they tried contacting me. What a scam, I spent over {$10000.00} in the year 2020 with XXXX as a platinum member and they accuse me of a flat tire. How would the tire get flat anyways? Did I sneak in after hours and deflate it? I don't think so. I have two bachelor 's degrees and a bit more common sense then the next guy. 

SUMMIT A R, told me they wouldn't remove this and to contact XXXX who tell me to contact Summit, it's just a game to them. I have reported everything and everyone on XXXX consumer reviews and on here. 

They didn't care of I was incompassitated nor wondered why my phone was shut off due to this event. I can prove everything as well.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (FL)

I have repeatedly asked Barclay Card to send me paper statements for my PriceLine Visa credit card. They have repeatedly claimed that I have " enrolled in e-Bill, which is an online bill presentment service powered by XXXX elsewhere. '' I have repeatedly replied to them that I am unaware of any such online settings, that I do not care about this third party, and I want paper statements mailed to me. Barclay Card has not sent me paper statements. 

I have requested paper statements in messages to BarclayCard on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged them again demanding paper statements and to whom I could make a formal complaint about their lack of response. They mailed me a generic-looking letter asking that I call them to discuss my comments. 

I simply want paper statements mailed to me in a timely manner. I don't care about any third party that may or may not be providing electronic bills. I want paper statements no matter what.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HILLTOP HOLDINGS, INC (TX)

In XXXX we closed on a home using Prime Lending that had tax exemptions for XXXX or older and home stead. Prime lending sold us on a {$2400.00} mortgage payment with a 12 month total of approximately {$2400.00} of escrow going towards taxes and failed to notify us that a significant increase in taxes could occur due to the exemptions losing validity. As a result of this our taxes have increased by {$5000.00} in XXXX and created a significant shortage in escrow resulting in an {$800.00} increase in monthly mortgage payment to make up for the shortage in addition to standard increase in insurance. The total increased payment is almost {$1200.00} per month. A payment shock notice nor an opportunity to increase our input to escrow was presented at or prior to closing. For this reason we feel as if we were deceived with a lower payment when in reality the lender should have done the due diligence to at a minimum notify us of the potential for significant monthly payment increase. 

Since closing our mortgage has moved from Prime Lending to XXXX however we feel prime lending is responsible for the deception and poor practice since they worked the loan through closing. 

We now have a total shortage of {$9600.00} as a result of the shock increase in tax. {$3500.00} of the total is due to insurance reasons and not being considered as part of this complaint.
Consumer complaint received 2024-04-04
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 (WA)

This complaint is for the disputes : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

On XX/XX/XXXX, I booked flight for my family on XXXX for a total of {$21.00}. However, it appears that they charged me 7 times of {$890.00}. This is an overcharge which is already investigated by XXXX XXXX and as well as XXXX. I contacted them by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They got back to me on XX/XX/XXXX promised me a refund by email by sending me a credit slip. XXXX XXXX also emailed me back on XX/XX/XXXX confirming the same. Please see the attached email of confirmation for the evidence. Please help me with this dispute and get my money back. 

I contacted AMEX on XX/XX/XXXX to file disputes for those charges. As those charges are at the same amount, AMEX customer service and dispute team agent had a hard time to file them correct. As of today, after many re-open and explanation to AMEX, the people are still messing up the dispute reason for these disputes and this is the main reason why I can not get my money back. AMEX agents open duplicate, wrong dispute that made there are more than 40 disputes opened for 7 charges. I understand this might be confusing but this could be handled in a much more professional way. See attached file for the confusion. 

I would like to dispute this as XXXX ( the travel agency ) wrongly charged my account and XXXX XXXX ( The airline ) already confirmed that. They all promised me a refund for all 7 charges more than 4 weeks ago and till now I have not received anything. See attached file for the evidence from Airlines and Agency.
Consumer complaint received 2024-03-05
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. (OH)

I wrote a letter on XX/XX/2024 to COMENITYBANK/KAY concerning an unauthorized inquiry they put on my consumer and credit reports. I heard no response in writing nor was I contacted any other way far as my dispute is concerned.
Consumer complaint received 2024-04-30
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. (MA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (NC)

I called to have my debit card unlocked and discover bank employee reported my card lost or stolen to keep me from my funds and I'm having to wait for a new card to be mailed out to use my money. How can a banking institution do this to keep someone from there money?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I sent XXXX a copy of my copy B as evidence that my student loans with the department of education were completely discharged and should be marked paid as agreed, as the current status is showing delinquent payments, which is hindering my ability to utilize my credit, which is causing me serious harm. 

Since XXXX is the loan services who is actually reporting on my credit and not the Department of Education who is the original furnisher of the loan, II sent evidence of my copy B to the loan servicer. Seeing as they have access to my credit report and it must be as accurate as possible when they are aware that information may be reporting incorrectly, I am expressing the GRAVE duty they have in maintaining my credit report, as they have Assumed the role in credit reporting
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (CA)

The new card sent from the company was sent to the wrong address and I was being charged alot of unauthorized transactions on my account while not having the card in my possesion. All transactions from XX/XX/XXXX up to XX/XX/XXXX are all unauthorized. I contacted the company already and haven't gotten any response. It all started from XX/XX/XXXX all the way up to XX/XX/XXXX. All my money is gone and I need that money. Below I attached all the unauthorized transactions that I did not get a credit for and all the one 's that occur this month. The name of the merchants/company charging my account are XXXX all the transactions from XX/XX/XXXX up to XX/XX/XXXX. I still do not have access to my money and the card they were supposed to sent to me and I was charged without my knowledge. The total unauthorized charges on my account is {$4300.00} including the new ones and the XXXX.
Consumer complaint received 2024-03-19
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP. (GA)

The company was 21 mortgage corporation I had XXXX last year and I also had a XXXX that I was out of work for XXXX weeks my pay was only XXXX XXXX of what I made my husband had to change jobs because the loads had been cut back and he also had XXXX XXXX XXXX XXXX we had to fill XXXX XXXXXXXX but we tried to put the house back pay on it and the company pulled it and came back to say we was behind o asked what we could do they said we could fill this loss mitigation and send in and they would send back what they could do they sent me a letter wanting {$8100.00} up front and I could keep the house and land the land was give to me by my mother which is no longer here ai called them and asked could they put on the end of note and let me start with the payment again they said no it had to be caught up or they was going to foreclose in my home I what to keep my home please help me with this and see if the company will work with me I dont have that kind of money to give to them
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I called Bank of America and requested that an account that I NEVER APPLIED FOR OR RECEIVED! Spoke with Customer Service for over 15 minutes ( a picture of my phone conversation shows this ). I was told that the account would be closed in 24 hours. Then on XX/XX/XXXX, I received an email stating that the account would remain open until XX/XX/XXXX!! BANK OF AMERICA IS HOLDING ME HOSTAGE FOR AN ACCOUNT THAT'S NOT MINE FOR 2 1/2 MORE MONTHS!! 

I want this account CLOSED ASAP, I know that my request to close an account doesn't take XXXX XXXX months. ( attached is a copy of the email ). 

Also, Bank of America, stated in Case # XXXX ; that they were mailing their respond to me, FOR WHICH I NEVER RECEIVED! Why didn't BOA, send their response thru CFPB?? CFPB then closed my case which was VERY UNFAIR!! BOA THINKS THEY CAN DO WHATEVER THEY WANT AND CFPB ALLOWED THEM. 

I WANT THIS ACCOUNT CLOSED ASAP!!
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp. (CA)

On XX/XX/2023 my insurance company paid my car off before the maturity date to United Auto Credit. Seen as I purchased a GAP insurance for {$1500.00} and a GAP Waiver for {$390.00} I was expecting a refund. But they told me that I wasn't entitled in getting a refund because I didn't pay the car my self. But in my contract it says nothing about that.