davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

I consumer XXXX XXXX currently submitting a complaint against XXXX XXXX XXXX a debt collection company as i received an update of my consumer report of XXXX XXXX XXXX reporting a collection account on my consumer credit report ( XXXX XXXX XXXX Account Number : XXXX ). The reporting of this alleged debt they claim i owe violates federal law and my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). I never given XXXX XXXX XXXX consent to have my personal information nor to report any alleged debt to the consumer reporting agencies which they have invaded my right to privacy pursuant to 15 USC 1692 ( a ). The alleged debt thats being furnished on my consumer report Violates the FDCPA 15 USC 1692e ( 2 ) ( A ) ( B ) as it is false and misleading representation as A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I demand that XXXX XXXX XXXX remove this alleged debt immediately from my consumer report. In this complaint i am notifying XXXX XXXX XXXX pursuant to 15 USC 1692c ( C ) that I refuse to pay alleged debt and to CEASE & DESIST all communication with respect to such debt they're currently reporting. The term communication under the FDCPA means the conveying of information regarding a debt directly or indirectly to any person through any medium. The term " person '' means a natural person or organization. I demand that the following account be XXXX out and removed from my consumer report ( XXXX, XXXX, XXXX ) immediately as it results in a form of communication as you are in violation of title 15 chapter 41 under federal law of the Fair Debt Collection Practices Act. Please see attached removal letter sent to XXXX collection company XXXX XXXX XXXX through the CFPB with this complaint. Do to XXXX XXXX XXXX being in VIOLATION OF THE LAW. The law SAYS under CIVIL LIABILITY 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding XXXX  ;.
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (PR)

I had a Macys CC an purchased some earrings ( Diamonds ) on or about XXXX or XXXX these items were never received by me being signing from a shipping company or any proof of signature, seems like the items were left unattended at the front door someone may have taken them, as I received E-mail that items were delivered check my mail box which was a po box but items were not there called Macys an disputed the items an explained I never received them also requested a Credit from them never did. 
The items seemed to have been left at the front door with no signature to receive the package
Consumer complaint received 2024-07-16
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. (CT)

update to claim number XXXX EXPERIAN HAS BEEN PLACES ON NOTICE ON INACCURATE INFORMATION. EING REPORTED ON MY CONSUMER REPORT THAT GO AGAINST THE REQUIREMENTS UNDER THE FCRA 15 USC 1681a2 ( ii ) and 15USC 1681b. EXPERIAN HAS HAS 30 DAYS PLUS AN ADDIRIONAL 15 AS PER THE FCRA TO CORRECT ITA ERRORS AND IT HAS NOT DONE AO NOR RESPONDED ACCORSINGLY PER 15 USC 1681i. PER THE FCRA EXPERIAN HAS PAST ITS TIME REQUIREMENT AND MUST DELETE THE ALLOTTED ACCOUNTS MWNTIONED FROM MY CONAUMER REPORT IMMIDIATELY!
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

After getting advice from a Attorney about Bankruptcy in XX/XX/XXXX thru XX/XX/XXXX Discover home has given misleading information from customers service representatives, submitting documents in loss mitigation procedures, loan was current until Bankruptcy started in XXXX. 

Discover for almost 2 years has multiplied this account so they can negatively impact my credit and make behind and then propose the bogus plan which is attached in complaint I believe in doing so this account would never get to this point! I specifically requested the amount be added to principal balance and problem solved but kept giving run around and negative credit impact
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Is engaged in falsely reporting false information to major consumer and credit agencies. WELLS FARGO CARD SERVICES is using a payment date of XX/XX/XXXX with a payment amount of {$0.00} dollars as the last payment received from the debtor to age the account. Taken from information provided to the credit XXXX. XX/XX/XXXX show an Amount paid of {$170.00} with a Balance of {$1000.00} with a credit limit of {$1600.00} now as of today XX/XX/XXXX WELLS FARGO shows balance of {$1600.00}. 
WELLS FARGO is using illegal tactics to keep reporting negative information in hopes of coercing payments.
Consumer complaint received 2024-07-12
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: SANTANDER HOLDINGS USA, INC. (FL)

This account was sent to you in violation of the terms and conditions I have with the original Bank, which says ... that I can not sue the bank and the bank can not sue me for this account, meaning we can not sue each other. Besides, I never received any notification or letter that said when and for how much this vehicle was auctioned and how much they opted for the Gap insurance, which is a violation of my rights according to the law, apart from this collector never contacted me and instead only arrived a 1099 from the bank which I paid on my taxes, this collector did not notify me anything either and this account appears closed. So I demand that this account be deleted from my credit report.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (PA)

My identity was stolen in XX/XX/year> and my bank accounts were frozen. I could not make a payment for a month until the issue was resolved. All other creditors understood this and removed my late payment, but PenFed is not even after disputing for over two years.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (PA)

I am writing to delete the following information in my file. I am a victim and made all payments on this closed account. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PENTAGON FEDERAL CREDIT UNION (PA)

Penfed has charged me an ACH return fee and late payment for years I just realized. I've asked them on phone calls to change my ACH autopay but they have not. They owe me at least {$520.00}. I only have transactions back to XX/XX/year>. I request they provide a full history to see the amounts they have been charging me in return payments and late fees wrongfully.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (IL)

In XX/XX/2020, ( whatever the year XXXX started ), I got sick. Going through treatments and XXXX XXXX XXXX XXXX I realized XXXX wont be able to pay my bills. I contacted Flagstar Mortgage company and inquired about getting some assistance. They said something about not paying for 6 months. They kept calling saying Im behind this is the amount I have to pay. I depleted the remainder of my savings and paid it. I called them again saying I need help. They again said about not paying for 6 months. I told them no because they subsequently called and had me pay all that back money and I had no more savings. So could I get the monthly payment lowered to fit within my now monthly XXXX income. They said i couldnt because I was still within a forebearance and to ignore the calls from them because they are supposed to call since I do owe and to fill out an application under hardship. I did that. Maybe 3 times. Long story short. A letter from a lawyer was sent to the property ( my mother didnt get it to me timely ). Next thing I know my mom is like some man came here saying we got ta go. I call Flagstar mortgage company. They said its probably a scam because we would call you and let you know and put a notice on your door. I said okay and well I still havent heard from yall regarding the application I submitted ( now 2 time ), and they said submit it again and told me stuff I needed to submit.I did so that day. Every few days I would log in and see the message saying we are working on it. Then a man comes this past Saturday with a letter saying he will call the sheriff for an eviction. I called Flagstar on Tuesday and they said your house foreclosed and I said I just filled out another application and it said you will call if I
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (TN)

I have attempted to go online to my account many times to view statements and/or payments and how and when they were applied. They always say " we ran into a problem ''. I have sent an email requesting they update the online account so I can view it, to no avail. 

They are also saying that at the end of our loan, we will still owe money. The loan was to be paid off in XXXX but, over a year ago, we did an extension, due to some issues we had with our mortgage servicer and were unable to make the loan payments on our car. ( mortgage servicer said we were short on our escrow when, we in actuality, were not. We didn't figure out that they were indeed wrong, until after making several additional payments and were unable to pay our car loan on time. we had never been late with our car payment until we bought this house and the servicer kept screwing up our account. Regardless, we did the extension and they say we will owe money at the end in XXXX. I don't know if they added a bunch of additional fees or what but, Id like to see the payments, how and when applied and a running balance, and they are not available to me. I dont even know how the loan got pushed out to XXXX. The only extension I have relates to XXXX of this year.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Acct was opened on XX/XX/XXXX. 
I was XXXX  from XXXX until XX/XX/XXXX I provided documents stated this is fraud. Company did not acknowledge the information submitted. Dispute was filed.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (PA)

In accordance with the Fair Credit Reporting Act, Radius Global Solutions LLC has violated my consumer rights under 15 U.S.C 1681 Sec 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Sec 604 A. Sec 2 states that a consumer reporting agency can not furnish an account without my written consent.

I hereby request that you immediately cease and desist in your efforts to collect on the aforementioned account. It is my personal policy to only engage with the original creditor of this account and not with collection agencies.

Failure to comply with this request will result in legal sanctions under applicable federal and state laws. As per 15 U.S CODE 1692c ( a ), a debt collector may not communicate with a consumer regarding the collection of any debt without the prior consent of the consumer or the express permission of a court of competent jurisdiction. 

I have neither given prior consent nor entered into any contractual agreement with Radius Global Solutions LLC.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

Date Amount To Whom Confirmation # XXXX. 
XX/XX/XXXX {$2000.00} XXXX | principal only Payment not transferred to SLS. Send message in SLS portal to inquire and email to XXXX at XXXX. XXXX website not working on XXXX XX/XX/XXXX {$1700.00} SLS for XXXX payment XXXX XX/XX/XXXX {$1800.00} SLS payment for XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment for XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} SLS Payment XXXX XXXX XX/XX/XXXX {$1800.00} ShellPoint XXXX Payment XXXX Total Payments = {$16000.00} My " new dashboard '' continues to not reflect accurate information and the provider has indicated " they do not have the information ''. 

Dashboard only represents about {$11.00}, XXXX worth of payments made.
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (IL)

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX ] XXXX number XXXX XX/XX/year> [ Discover ] XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the XXXX XXXX specifically 15 USC 6802.

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared. 

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802. 

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future. 

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/XXXX XXXX XXXX a disgruntled client XXXX XXXX XXXX by telling her bank the XXXX payments she made for my company services were never received. She then submitted a XXXX dispute on XX/XX/XXXX, for the XXXX payment stating the services were not as discussed, Bank of America ( my bank ) allowed XXXX  ( XXXX ) by proxy of the clients banks, to Remove the payments as a " XXXX  '' even though i have SIGNED CONTRACTS with the client stating NO REFUNDS of any kind for any reason, as well as email / text chains with her confirming the receipt, I Tried to reach out to the bank directly asking why they allowed this to happen without reaching out to me for documentation, i was then told to follow an incorrect claim path by the BOA agent wasting more time, to which i filed an unauthorized ach form that the bank rejected claiming the contract i have with my merchant XXXX  is valid, even though MY contract directly with the client supersedes the merchant agreement, and should be held accountable by my financial institution. 

By my bank allowing my XXXX payments of {$4000.00} being removed from my account illegally, without following through as a business checking account should, This has caused my bank account to be negative multiple times, multiple payments and loans being paid late, as well as my credit dropping substantially. Not only this because they kept fighting with XXXX for this money they added and removed the same amount from my account multiple times causing XXXX chargebacks to negatively affect my account XXXX  times!. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX The email chain attached shows her response that makes no sense, and my response with direct references from her signed contract that clearly states NO REFUNDS for any reason post delivery, she is just unhappy with the price it will cost for her to construct the design she directed us to make. 
The email below is starting from the most recent reply and going backways. 

I am also including the text message receipts of delivery of services. 
Also you can click on THIS LINK XXXX XXXX XXXXXXXX XXXX To actually see the project that we delivered and how much work and time was involved. 

I have ben waiting for over XXXX and a half months now for a resolution.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Amsher Collection Services, Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-11
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 (CA)

So I paid the balance they close the account without confirming fine. Then the {$56.00} from XXXX that they initially thwarted the whole reason I contacted you guys in the first place because of their gross malfeasance because of their gross misconduct because of their gross negligence with criminal intent are now pulling some retaliatory XXXX The account is closed I had it closed they closed it then they added the {$56.00} saying that they XXXX up again My consulting fees are {$250.00} an hour they owe me 4 hours I've also tried to correct their mistake again and it won't allow me access into the account so I can't even pay them the {$56.00} to XXXX off and go away even if I wanted to because they have a XXXXXXXX XXXX XXXX  XXXX a best man-made XXXX XXXX that is unwanted and unnecessary all together I mowed {$1200.00} for my consulting fees for forcing my hand to once again over and over again correct their gross malfeasance their gross misconduct and their gross neglect and misconduct this is a retaliatory measure and that's why they have the XXXX XXXX XXXX XXXX they're the ones that originated and XXXX  up to begin with and then finally accepting we XXXX  up we're going to issue you the credit and then to go back and the XXXX  up and put it on my XXXX credit report these XXXX XXXX XXXX XXXX I want my XXXX in consulting fees and I want emotional distress because this does not help my XXXX or XXXX these XXXX  need to pay they need to be fined and they need to be XXXX  corrected another XXXX place little XXXX retaliatory passive aggressive XXXX