davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (FL)

I was involved in two auto repossessions with BRIDGECREST. 

I wish to see all documentation regarding the vehicle repossessions including but not limited to : 1. The original agreement 2. The full payment history 3. All notices regarding delinquency 4. Date and time of the repossession 5. Notice of sale 6. Proceeds of sale 7. Total deficiency balance.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC. (FL)

MY ACOUNT HAS BEEN AND PAID OFF NOW I SEE ITS CLOSED WITH A CHARGE OFF PLEASE REMOVE THIS ACCOUNT OFF MY CREDIT THANK YOU. 


SOFI BANK, NATIONAL XXXX LATE PAYMENTS Balance details 29 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$50000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XX/XX/XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XX/XX/XXXX - - - XX/XX/XXXX - - - XX/XX/XXXX - - - PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$14000.00} Original balance {$50000.00} Monthly payment {$2400.00}
Consumer complaint received 2024-06-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

In XX/XX/2023, I bought a XXXX XXXX XXXX XXXX with {$500.00} balance. 
Upon opening the card, I found that the strip is covered by the glue from the package thus it can not be used. 
Since then I opened a case with them to get a replacement card. 
I contacted them multiple times and only responses I have is to wait. 
Card number I bought is : XXXX My Case number with them XXXX
Consumer complaint received 2024-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (MD)

Pay my insurance through escrow had a damage in my apartment called insurance company turns out mortgage company stoped paying it has been XXXX  months I didn't have insurance for XXXX  months They opened a lender 's placed policy with half the coverage that cost double the price and for some reason I'm responsible to pay the difference even though they accepted fault for not making the payment not only will that require me to pay higher insurance for the rest of my life as well as pay for the damages in my neighbor 's apartment and I only got half the coverage on my apartment because of the lender 's place policy
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am very concerned because my credit reports are showing discrepancies, and I am a very concerned consumer. Bankruptcy is reporting on Transunion and XXXX. It is not reporting on XXXX. I called the courthouse in XXXX, XXXX and they stated, they don't report to any credit bureaus or third parties. Reporting this to my credit bureaus is a bankruptcy violation. There are factual errors on my credit report. According to 15 US code 1681 A 4 consumer privacy rights, the credit bureaus are committing identity thief by reporting my personal information, without my consent. I've disputed this with the credit bureaus, with no avail. Please remove this information as you are in violation.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (PA)

On Saturday XX/XX/year> I went to my local first XXXX XXXX bank in XXXX XXXX pa to withdraw money. I went to the atm went through the whole process to withdraw my {$230.00}, and the power went out to the atm right as it was about to push the money out. I went to a different atm to try to withdraw the money, only to find that it had already been deducted from my account. I called sofi ( who I bank with and where the money was pulled from ) and was told to file a dispute. I called the XXXX XXXX XXXX bank on Monday morning only be told that they could not give me the cash, and that I had to wait for the dispute process. Sofi then emailed me that same day saying that they denied my dispute because they had found no error with the atm. The XXXX XXXX XXXX bank told me that they balanced the atm and it was over by the exact amount that I am claiming to be owed and that they would also tell them that the power had, in fact, gone out at the very end of my transaction. Sofi didnt even contact them or gather information. They just chose to deny the dispute. {$230.00} is quite a big amount of money to me, right now. I do not know what else to do to get my money. Can somebody please help me? I am only trying to get the money that is rightfully mine, and that is owed to me. Im so lost. I want to cry.
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MI)

To Whom It May Concern - I had some medical bills with XXXX XXXX that were put into collections with XXXX XXXX. I paid the balance in full and the accounts are still on my credit report. I am in the process of purchasing a home for me and my daughter and this is presenting an obstacle. I'd like these removed from my credit. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I have contacted Midland Funding numerous times regarding two separate collection account showing on my credit reports. I have also disputed the accounts multiple times with all three credit bureaus. The company they are saying is the original creditor, I have never heard of. I have never lived at nor heard of the address on these accounts. From my understanding, the collection company must provide some type of proof when I dispute the item. The company has clearly not provided the credit bureaus any proof as that would be impossible. I have been receiving constant mail from Midland Funding as well as constant harassing phone calls at very odd hours.

I have been putting off filing a lawsuit against what appears to be a fraudulent company. At this point I am trying to buy a home and these incorrect negative accounts are causing my family great distress.

Since Midland Funding as well as the three credit bureaus are unable to assist with these incorrect accounts that do not belong to me, I am requesting an investigation from the CFPB.
Consumer complaint received 2024-06-17
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (NE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Reference number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-17
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: William D. Meeker Enterprises, Inc. (LA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I made a report to identity theft.gov and submitted a report to you all XX/XX/year> and still nothing has changed
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

My identity was stolen on XXXX and a few days later, using my state ID, my information was used to apply for loans for things such as a house outside of my home state, and an auto loan through XXXX XXXX. The reason Im contacting is because the auto loan is on my Equifax credit report which affected my credit score. I am a victim of identity theft and would like for the information on my Equifax credit report to be removed.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SANTANDER HOLDINGS USA, INC. (NJ)

XXXX  made a payment around XX/XX/XXXX and contacted the bank and they told me a duplicate payment was made and returned the payment on XX/XX/XXXX. 

I then received late notices in the mail, called Santnader to discuss the issue, and paid on XX/XX/XXXX. 
I will be making another payment on XX/XX/year> to get up to date. 

Since this error was made by Santernder I am requesting the {$490.00} + {$20.00} return check removed from this account. 

I am a long time customer of Santander and hold multiple accounts. 
I am very upset about the late fees and the fact this was reported on my credit report. 

Please assist me in removing the fee and this from my credit report.
Consumer complaint received 2024-06-17
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. (MI)

I started 2 disputes with Citi Card XX/XX/XXXX. 
Citi Cards Billing Dispute XXXX XXXX and XXXX {$3400.00} transaction date-XXXX XXXX XXXX {$3900.00} transaction XXXX XXXX, XXXX I received a letter in the mail XX/XX/XXXX from Citi cards informing me that the investigation was closed due to not receiving a response from me requesting additional information. I have called every time within 24 hrs that I received a letter and talked to a customer service representative who would put me on hold to check and then tell me it was a mistake and disregard. They should have recordings and notes in my file each time I've called. I've also sent emails and forwarded documents to XXXX multiple times. at least 37 plus emails. I had purchased 2 storage containers from a company named XXXX XXXX which I found on XXXX. I was told I had to pay for the items in full before I would get delivery because they were coming from California. I have never received the items and attempted delivery 3-4 times with no luck. I'm unable to reach the company by phone and I've been blocked on the company 's XXXX. The amounts were added back into my Citi card balance and interest is accruing on it. I did call about interest on statement, so the customer service representative reversed the interest but balance is still reflecting the full disputed amount.

I emailed another letter and documents to XXXX XX/XX/XXXX. 
I received an email from Citi Card XXXX XXXX that dispute has been received but have not heard anything else from them. The amount I'm disputing is still in my total balance. I have exhausted all avenues and sent all proof docs, emails, texts to Citi with no luck in a resolution. Citi has not and will not give me any information about what docs they received from XXXX XXXX  so I can see what was said. I haven't received the shipping containers at all. I don't understand why I have to pay for something I never received. Before I even did this I contacted Citi card and she assured me I was protected if I don't receive and if it was fraud.
Consumer complaint received 2017-11-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I refinanced a loan with Mr. Cooper/Nationstar in XXXX of XXXX. The original mortgage was also with Mr.Cooper/Nationstar and had been opened in XXXX. The refinance process went smoothly and I had n't had any issues until recently when it was discovered that I still have two outstanding liens on my home ( 1 for the original loan in XXXX and 1 for the refinance in XXXX ). The paperwork for the lien release was either never submitted or never recorded. 
I am currently working on a HELOC with another bank and they found the 2 liens on the property and can not approve the HELOC until the first lien is released. I have called Mr. Cooper at least 5 times now and have been told conflicting information with each phone call. Here are some of the things that I have been told : -We do n't show the original lien still on the home so the customer needs to research this on their own with the county recorder -Mr. Cooper emailed me a copy of  the lien release and told me that I could take this down to the county recorder and submit it for release ( did not mention that there is a fee for this which I should not be paying for. I also wasted time going down there because the county will not take a copy of the document ). 
-Told multiple times that the issue had been escalated to the lien release team within Mr. Cooper and nothing has happened -Told that I would get an official document in the mail multiple times and never received anything -Told on XXXX/XXXX/XXXX that it is the customer 's responsibility to submit the lien release when the refinance goes through ( that the mortgage company never does this ). However, I looked back through emails and found an email from Mr. Cooper in XXXX saying that the lien release was in process and they would submit to the county.
-Spoke with the county recorder and they said that the mortgage company could send an 'electronic ' version and it would be recorded the same day. However, then spoke with Mr. Cooper and their representative told me that Mr. Cooper does not do electronic versions and they sent a copy in the mail to the recorder 's office on XXXX/XXXX/XXXX and it could take another 5-7 days to get recorded. 

Overall, I am angry with all of the conflicting information that I have received from Mr. Cooper and its overall lack of assistance to get this item fixed. During the refinance process this should have been handled by the company, however, they have since told me that ( 1 ) it was my responsibility to submit the lien release ( lie ) and ( 2 ) that I should take the documents down there and submit them ( requires me to pay an additional fee ). This should really be a quick fix but has delayed my HELOC for at least a month now and maybe even longer.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (NJ)

I sold my apartment and contacted my mortgage bank in mid XX/XX/year>. They gave me the run around on closing procedures for XXXX weeks. I was finally able to get the contact of the bank 's payor agent through the mortgage broker I used. I contacted the lawyer and his office submitted a request for collateral package on XX/XX/year>. They told me it could take 4 to 8 weeks to receive the original stock certificate and proprietary lease. It is now XX/XX/XXXX and no one knows where we stand in the process. My buyer is threatening to walk by end of XXXX. I've contacted the bank many times and they just tell me they don't know. 

I have purchased and refinanced many homes in my life it and it never takes over 2 months for the bank to provide the underlying collateral for payoff and closing.
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Over the past year, Portfolio Recovery has frequently called me during working hours and I have been avoiding their calls until they showed up as a local area code. I would take my break at work thinking it was a XXXX professional calling me. The only debt that went through them was a credit card from around 2012, so long past the time frame to collect. Its off of my credit report and they are still calling. I have XXXX XXXX and I'm scared if I tell them to stop that they will reactivate my debt and try to collect on it.
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

Recently, I discovered that National Credit Systems reported a debt to one or more credit bureaus without ever notifying me of the debt or providing me with proper instructions on disputing it. This action is a direct violation of the FDCPA, which mandates that debt collectors must provide consumers with certain information before reporting a debt to credit bureaus.

Specifically, National Credit System failed to adhere to the following requirements under the FDCPA : Notification of the Debt : Prior to reporting a debt to credit bureaus, debt collectors are required to notify consumers in writing about the debt 's existence prior to reporting it and give me the write to dispute. They are also supposed to notify me within 10 days and that did not occur. 

This company contacted me and lead me to believe they were the creditor and began sending me emails and calling me at all sorts of inconvenient times.
Consumer complaint received 2024-06-17
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: U.S. BANCORP (IL)

I noticed XXXX credit inquiries on my report that I did not authorize nor do I have knowledge of : XX/XX/year> made by XXXX XXXX XX/XX/year> made by US BANK Again, I did not authorize these nor do I have any knowledge about these inquires. I would like both of these hard inquiries removed from my credit report. I called XXXX and they told me they have no record of this inquiry yet this check appears on my credit report from them. US BANK also provided me no information.
Consumer complaint received 2024-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC (AL)

On XX/XX/XXXX, I revoked authorization for upcoming advance which follows the company policy of allowing timely notice. On XX/XX/XXXX, they debited my account although I had requested funds be stopped. This has resulted in multiple overdraft fees. I have emailed, chatted, and called and so far this is still unresolved. The company is taking their time giving my money back
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1975 Social Security Number : XXXX Current Address : Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I was a victim of identity theft. There are inquiries on my Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The Inquires are XXXX. XXXX - XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX. XXXX XXXX XXXX XXXXXX/XX/year> XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I requested that a few accounts on my credit file with Equifax be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.