davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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: Resurgent Capital Services L.P. (NJ)

I checked my credit report around XX/XX/2024 and seen that LVNV Funding is reporting a debt that I do not owe them. I refuse to pay them this debt. They have no proof that they are the owners of this debt. My consumer report has LVNV funding as the Current Owner but Resurgent is the company responding and sending notices through the CFPB which is misleading. The law states that servicers have no right to collect a debt if they are claiming to be the servicer. I have not been properly notified about this debt from LVNV Funding. This company is damaging my consumer report and violating my rights as a consumer. My next resort will be to file complaints both criminally and civilly. In the meantime I will be notifying the Attorney General via a consumer complaint and Department of justice. I mailed an affidavit, bill of particulars and my soon to be civil complaint to them today XX/XX/2024 by regular postal mail, in which I will attach to this complaint.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (SC)

providing my personal information to third party agencies without my consent and permission in writing.

I have not contract with them and do not owe the amounts stated.

The 3 yr debt collection statute has passed in the state.

Willful negligence to continue sharing my personal private information.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

on XX/XX/23 I initiated an {$80000.00} Electronic Funds Transfer ( EFT ) from my account at XXXX XXXX XXXX ( NFS ) intended for my account at Bank of America ( BoA ), however, I transposed two digits of my BoA account number, Bank of America received and deposited the funds into the wrong account number provided failing to match the account number and my account name provided. A few days post transfer, I notified BoA of their error and missing funds and XXXX promptly filed a reclaim with Bank of America. Bank of America informed me the account holder who received the mistaken funds closed the account on XX/XX/23 and was issued a cashier 's check. Bank of America claims no responsibility to match account name and number when receiving EFTs and declined to return funds nor to pursue a fraud claim vs the account holder and directed me to file an FBI report which I did. my account number at Bank of America is XXXX, the account number the funds were transferred to was XXXX. Bank of America routing number for electronic transfers is XXXX. My account officer at BoA ( XXXX XXXX, XXXX, XXXX ) encouraged me to pursue legal action vs BoA.
Consumer complaint received 2024-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I have many complaints with the company PennyMac. First, I did not choose to do business with this company. In fact when I applied for the loan I was told it would be sold to a different company and then it got sold to this company. This company has been extremely difficult to deal with as they refuse to send information in the mail as requested. ( I have requested that they send me in writing via XXXX XXXX mail their process and requirements for doing a recast. Their amount needed to recast is far higher than any other company I've ever dealt with. They also refuse to be exactly clear on what they constitute as good funds. Everytime I deal with them they constantly add new conditions or change what they said. They delete messages through their message system in too short of timeframe and never notify me that there is actually a response to my problem. Most recently they notified me that their was an escrow shortage and told me that they I could reduce the monthly payment by paying extra escrow. I did pay extra on the escrow and they have refused to reduce the escrow amount. They now claim that only a larger payment can reduce the monthly escrow and refuse to refund the amount paid. I only made extra escrow payments on the condition that it would reduce the monthly amount because they were unclear that I needed to make a very large payment to reduce the escrow amount. Every other company I have dealt with has reduced the escrow payment needed by adding even a little additional escrow. I have asked to opt-out of all sharing and marketing. They send deceptive marketing with envelopes saying important loan information when all it is is a deceptive marketing ploy to get a refinance at a much higher rate. Marketing is never important, to the consumer.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (NV)

Ive had an account with Pentagon Federal Credit Union for over 20 years. Since I opened the account Ive always lived outside of the USA supporting US Government contracts. About two months ago they blocked all access to my account and they wont tell me why. They demand I produce a utility bill for my US mailing address, which I dont have because I use my brother as a mailing address. I have to call them to make payments on my credit card and they wont even tell me the outstanding balance on the card because they say my account is blocked.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

The bill is for cell phone insurance for {$9.00} per month which I purchased last year with my new XXXX phone. After about eight months I lost my phone. I reported the lost to the insurance company. After two days they sent an email stating they could not replace my phone because my phone was not registered. Yet they were accepting my monthly payments. Approximately one week passed, I called the phone number on my {$9.00} monthly bill to cancel the insurance. The bank agent stated she would cancel the subscription and stressed by cancelling I could never have the insurance again. I made myself very clear to her to cancel the coverage anyway. 
Two months later I received another bill for the subscription. I call again, only this time the agent stated she could not help me cancel anything and could not direct me to anyone that could help in anyway. 
What happens next, I did not pay. SYNCB/XXXX XXXX XXXX reports to the credit bureaus that I'm not paying my bills, which has dropped my credit score from XXXX to almost XXXX. My credit score can go down to XXXX and I will never send them a XXXX!!!
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CT)

I am writting to complaint about unqualified interrest charges by AMerican express in the amount of {$180.00} on XX/XX/23. I made payment prior the due date but because of american express website issue, the payment didnt process. Soon as I realize the issue, I called American Express customer service and was promess of a reversible of the fee. So far, I haven't received any refund of the fee after reapeatidly calling many times. 

Sincerely, interest charges of {$180.00} on XX/XX/23 by American express
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

They said my account was active with no holds as it was, however they completely shut down the account as of right now and are now holding on to $ XXXX of my deposits since XXXX and the account was closed XX/XX/22. Theyre now saying theyre unable to reach the maker of the check in order to conduct a verification in order to ensure my check is not illegitimate, even though I have already deposited 4 checks in the 2 months I had this account. I just want my money back! XXXX is a a lot and really negatively affecting my small business, chase has no shame or desire to help even after speaking to XXXX XXXX the VP! 

If you look up forums online there are 100s of thousands of complaints similar to mine on chase, just over the past 3-4 months, check them out! 

I I can not find them how the industry handling peoples whole livelihoods money is not held accountable for impractical and unreasonable behavior where they can hold your money for no reason and still used to give it back two months later
Consumer complaint received 2024-02-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC (WI)

Speedy Cash loan was in collection from XXXX. 
Speedy Cash sent my loan to XXXX XXXX XXXX in Kansas. 
XXXX sent a notice XX/XX/XXXX which was received by me through USPS. 

XXXX  are now received scheduling me for arrest. 

Lender and collection agency are both licensed by state and federal agencies. 
Please begin procedures to revoke all business licenses from Speedy Cash.com and XXXX XXXX XXXX. 

NO PAYMENT WILL BE MADE TO SPEEDY CASH OR XXXX. 

Restitution is now needed for the threat of arrest. 

Cancel all balances with XXXX XXXX XXXX immediately. 
XXXX sells customer information to scammers under various names. 
Scammers have all information from XXXX and lender files.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX keeps reporting on my credit report that this was included in my bankruptcy and it was NOT! Mi have attached proof. have disputed this for years & they are refusing to change the report. It shows and always have shown that I paid on time ; never late ; positive ratings on my credit report. Now its a red flag on my credit report stating they are saying it was included and discharged through Bankruptcy so now my Credit has a flag and its lowered my credit. This is all incorrect information and I need them to correct it ASAP because its impacting my ability to purchase a home!
Consumer complaint received 2023-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (NC)

I was pressured into very high interest rate, car I did not want, the car was smaller, the monthly payments were {$480.00}, car I traded in was bigger, it took 5 months for me to get license plate and I had to go in every month to get 30 day tags, was stopped by police saying the car was stolen. The car was a lemon the check engine came on the first week, they would not fix and continued lying while waiting til the warranty ran out. Later the car was repossessed.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (WA)

So I didn't start worrying about credit until I was in my middle XXXX. I'm currently XXXX XXXX XXXX and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had XXXX of them XXXX with Chrysler Capital that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with Chrysler Capital and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NE)

At the beginning of the year I received a bill in the mail from XXXX XXXX XXXX in regards of some changes related to Commenity Sony Card. I contacted Commenity Bank Sony Credit card and I was informed they no longer had my account as this account was sold to XXXX XXXX XXXX. I Asked about the charges and the credit card company was very vague in providing information. I asked to speak with the fraud department and my request was denied. I asked to talk to a supervisor and she informed me the address and phone number of my account were changed. She also stated the charges originally came from a small charge at the end of XXXX of XXXX and they sent statements for XXXX months and sent the account to collections after that. I contacted the credit card reporting agencies XXXX XXXX and XXXX and I filed a dispute on the charges and the address provided by Commenity card with an address in the state of Georgia as this address was published on my credit report. The credit card number with Commenity Sony card is : XXXX XXXX XXXX XXXX. The disputes were denied as Commenity stated they provided accurate information to the credit card reporting agencies, Then I went to the police station to let them know about this situation. I dont understand why Commenity Bank let a third party changed my mailing address and phone number without my consent and I was not aware of this activity going on with this credit card as I never received the statements of these charges. I was not given the opportunity to dispute the charges at all. I am enclosing information from my employer stating I have not lived in the state of Georgia at all. Community Bank is known for charging people with inaccurate charges in the United States. The mailing address for commenity Sony card is : XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

XXXX XXXX is saying they verified a XXXX XXXXXXXX case being reported on my Equifax and XXXX credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. XXXXXXXX XXXX telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at Equifax and XXXX. XXXX will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.
Consumer complaint received 2024-05-10
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. (NC)

I would like all addresses removed from my credit report except the following : XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX I did give consent for my information to be used I have been at the same address and have a business address. The addresses listed above are my only XXXX addresses.
Consumer complaint received 2024-02-27
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: AES/PHEAA (GA)

I received this loan in XXXX as a senior in XXXX school. I was told in order to finish my studies and graduate the following semester I had to take out a private loan to meet the difference on my account. At the time, it was not explained to me the difference between fixed and variable interest rates. It wasnt until recently that I was informed that this is why I have not been able to pay off the loan in 16 years. The original amount for the loan was XXXX. To date ( XX/XX/XXXX ) Ive paid XXXX and I still owe XXXX. I pay over {$300.00} faithfully every month to protect my credit and stay on track. Ive been trying to seek help on this account for years. Unfortunately, I believe I was a victim of predatory lending with my student loans as a vulnerable XXXX senior given this variable interest rate. If I was given a fixed rate the loan would have been paid off years ago. I am seeking help and justice as this has heavily impacted my finances over the years. Essentially Ive paid the loan off and some and Im still paying. Please help.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2023, someone walked into Capital One NA XXXX Capital One XXXX XXXX XXXX XXXXXXXX, VA XXXX They held a fraudulent check without an account number, a fake debit card and a fake ID. This person cashed {$2800.00} check against my bank account. The bank indicated that their ID was scanned and showed by information. The teller didn't identify the debit card to be a fraud. 
When the check bounced, Capital One withdrew the funds from my account. I have not been reimbursed for those funds. 

An image of the fake check has been sent to me. It was supposedly written by : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Check # XXXX On XX/XX/XXXX, a person tried to withdraw {$1800.00} from my bank account from Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The teller was able to identify the debit card was fraud and denied the withdrawal. 

I want my money back, but also have a greater concern for the ID that is able to be scanned and used at banks, airports, with the police, etc. I believe the ID is either a RealID or Passport. 

Both of those documents that are mine are in my possession. I have not lost or misplaced them. I have not photocopied them.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. 
The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Also, the credit bureaus took more than 30 days to complete their investigations..

Please find attached tracking numbers for certified mail. 

Equifax- XXXX Account XXXX also- XXXX Original creditor- XXXX XXXXXXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking- XXXX Account number- XXXX Original creditor- XXXX XXXXXXXX XXXX