davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (VA)

This company illegally obtained a judgment. They have a court date set for XX/XX/XXXX and the debt in now paid in full. The amount/percentage being taken has caused me a severe loss of income that has now put me behind on necessities and no money for food or gas, all payments are past due now. I have attached proof that this debt is paid in full as of XX/XX/XXXX and it is now in over payment. I CAN NOT afford XXXX a month to continue to come out of my paychecks for another XXXX months. Please CEASE garnishment ASAP. They are not returning my calls and have forced me to obtain my own attorney for the abusive and deceptive collection methods used.
Consumer complaint received 2024-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC (NY)

Hi, .I had my morgage and HELOC with XXXX XXXX  since XXXXAFTER forberance ended for XXXX on XX/XX/year> i owed over XXXX UNPAID monthly morgage and applied for modificatin and was approved with XXXX percent interest rate for whole life of the XXXX mortages.this took sometimes in XXXX and i found the package under my bench outside covered by snow.i called them, and XXXX said the loan been sold to SELENE and they will send you new package to sign.this took couple month and i called XXXX but they said they have not recieve from XXXX and must apply with them since they dont know when they will have the package.i appied, they HONORED with XXXX percent but only the HELOC loan and they rejected the original loan. i had to apply again and they approved but they raised the interest rate to XXXX percent and i force to pay over $ XXXX .i called them so many times but every time they came with nonesence excue and indicated if not accept, they will go ahead with forclosure proccess.i been paying this extra $ XXXX WHICH THEY DEFRAUDED ME SINCE XXXXTHEY HAD THE PACKAGE AND HONORED THE HELOC XXXX  BUT NOT THE MORGAGE XXXX.i recently diagnosed with XXXX  XXXX and had XXXX and now recovering my husband also recenty had XXXX XXXX and now recovering at home .selene been taking our money for no reason .please help to reinstate XXXX percent and return my {$1000.00} for last XXXX  months.selene is the worst mortgage company and been defrauded me.please investigate.Thank you so much.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXXPortfolio Recovery Associates , LLCXXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXXSubject : Formal Complaint Regarding Failure to Provide Itemized Statement** Dear Portfolio Recovery Associates, I am writing to formally complain about your failure to provide an itemized statement of charges for my account, despite several requests and the filing of multiple cases with the Consumer Financial Protection Bureau ( CFPB ). 

To date, I have filed multiple cases with the CFPB requesting a detailed account of the charges you have imposed. Your continued failure to provide this documentation not only hinders my ability to assess the validity of the debt but also constitutes a violation of federal law. 

Specifically, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide validation of a debt upon request, which includes a detailed itemized statement of the charges ( 15 U.S.C. 1692g ). The Fair Credit Reporting Act ( FCRA ) also mandates accurate reporting and provision of detailed information upon request ( 15 U.S.C. 1681g ).

Several court cases have highlighted the obligations of debt collectors in this regard : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The court emphasized that debt collectors must provide a detailed accounting of charges when requested. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) - The court ruled that the failure to validate a debt upon request constitutes a violation of the FDCPA. 

3XXXX XXXXPortfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) - In this case, Portfolio Recovery Associates was found to have failed to provide a detailed itemized statement, leading to a judgment in favor of the consumer for not fulfilling their legal obligations under the FDCPA. 

These cases demonstrate that failure to provide an itemized statement upon request is not only a breach of federal law but also a violation of consumer rights. I urge you to provide the requested itemized statement immediately. If this matter is not resolved promptly, I will be compelled to take further action. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Consumer complaint received 2024-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Timothy M. Sullivan (OH)

The company keeps calling saying I owe a debt. I requested information to prove its me that owe the debt and they would not provide me with the information. These people are garnishing my check and they dont have a license to collect a debt in the state of Ohio .
Consumer complaint received 2024-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

My student loan servicer is Mohela. I made a payment of {$2000.00} on XX/XX/year> to a Parent Plus Loan I took out on my son 's behalf. I have a copy of my Financial Activity Summary that I downloaded from the Mohela website that shows this payment was applied properly to this loan. However, before my loans were transferred to the new Mohela servicer website, that payment was reallocated across all my other loans without my permission ( I have six other federal student loans ). I did not request this. The only request I made was to remove my paid-ahead status from the Parent Plus Loan. This {$2000.00} was specifically earmarked for my Parent Plus Loan - some of the money came from other family members. I've asked Mohela on six separate occasions to fix this, but keep getting emails that they would but nothing happens. I would like this payment reallocation reversed and the {$2000.00} applied to the Parent Plus Loan ( as it was originally ).
Consumer complaint received 2023-09-14
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. (GA)

In accordance with the Fair Creddit Reporting act. The List of accounts below has violateds my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A.. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A section z : It also states a consumer reporting agency can not furnish a accounts without my writtenn instruuctions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 vears 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reportings agencys if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2024-09-13
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: Credit Karma (NY)

Just recently I have found out that CREDIT KARMA has violated their rights under the Fair Credit Reporting Act. CREDIT KARMA accessed my report without my written consent per 15 U.S.C 1681 ( civil liability for willful noncompliance ). There are over 20 inquiries on my report and all of it must be REMOVED immediately as the consumer I am not opting out of CREDIT KARMA. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( CREDIT KARMA ) is a financial institution by definition under that title.

12 CFR 1016.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LYON SERVICES CORPORATION (AZ)

XXXX, with a 13.99 % APR, with 180 monthly payments of {$720.00}. XXXX XXXX assigned the Agreement and associated rights to XXXX. XXXX XXXX alleges that her credit score was sufficient to obtain the lowest APR available at the time she applied for financing. There are over 50 different versions of XXXX  scores and the scores that are available to consumers are not the scores that financing companies use to make offers of credit. The offer made to XXXX XXXX was the lowest she was eligible for at the time she applied. XXXX pulled XXXX XXXX credit report once in XX/XX/year>, not twice as XXXX XXXX indicated. Based on XXXX XXXX XXXX score at that time, 13.99 % was the lowest available APR for XXXX XXXX. Our records further confirm that the lowest available APR for any customer at that time was 6.9 %, not 4.9 % as XXXX XXXX claims. We have spoken to XXXX XXXX several times since account origination and XXXX XXXX did not raise concerns with the terms of the Agreement until the filing of this complaint, more than two years after agreeing to the terms and signing the Agreement. Because XXXX XXXX agreed to the terms of the Agreement, and XXXX accepted assignment of the Agreement based on terms acceptable to XXXX XXXX, we are unable to amend the terms of XXXX XXXX Agreement. Should XXXX XXXX have additional questions or concerns, we encourage her to contact us directly at XXXX extension XXXX. Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (GA)

Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named TrueAccord. TrueAccord claims that XXXX XXXX XXXX XXXX XXXX is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX veteran already dealing with enough XXXX  health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX2024, after my shift at work I approached the parking lot, where I parked my vehicle, a XXXX XXXX XXXX ( vin # XXXX ), to find that my vehicle wasn't parked where I parked it. I contacted XXXX Police Department, and made a stolen vehicle report, ( affidavit # XXXX. After an investigation by Detective XXXX, it was determined that my vehicle was picked up by a company by the name of XXXX Florida XXXX XXXX XXXX Florida, he provided me a phone number for me to reach out to that particular company. After doing so, I was told that they had a repossession order for my vehicle from Wilshire Consumer Credit XXXX XXXX XXXX. I was provided with a account number and phone number for the company. I immediately reach out to the company, in which I spoke with a XXXX XXXX XXXX. I spoke with XXXX concerning this matter, I stated that the vehicle that was repossessed by their company was my personal vehicle, that I never had a loan or had taken out a loan with their company. I was told that the social security number associated with the account is not the social security number that I had provided her. She had me email her a copy of my police report, in which I provided. Since then I have not been able to spoke with anyone concerning this matter. Anytime I would call to speak with XXXX, I would get hung up on by a representative, or told that they could not provide me with any information. For months I have been without my vehicle, I don't know where its located, and I can't get any assistance from this company.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NC)

I reached out with " I finished college in 1990, yet this shows a " start date '' 25 years later! I would like proof of the ORIGINAL loan amount/request/date from University of the XXXX XXXX Three decades for a loan that - as I recall- was under {$10000.00} is insane '' The response was only " Thank you for reaching out regarding your Account. 
I would be more than happy to assist.For more information on this subject please visit XXXX. We also recommend contacting the school in attendance. '' The response I received is completely inadequate. This company is attempting to collect a debt with they are either unwilling or unable to verify. 
I would like verification of that debt or remove that debt per 611 - 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-05-21
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: Experian Information Solutions Inc. (DC)

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized inquiries and misleading accounts linked to my profile. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (CA)

I am writing to file a formal complaint against XXXX XXXX XXXX, issued by XXXXXXXX XXXX, due to their failure to respond fully to my requests regarding an alleged debt. On XX/XX/year>, I sent a certified letter to Chief Financial Officer XXXX XXXX ( Tracking Number : XXXX ) disputing the alleged debt and requesting verification. In this letter, I also included an affidavit in support of treatment of credit balances under 15 U.S.C. 1666d, which outlines my entitlement to a refund of any excess positive credit balance. 

I received a response via email on XX/XX/year>, from an unknown employee of the " Self Team. '' The email stated, We have received your request to validate your Self XXXX credit card from Lead Bank. Here are details regarding your card, which includes your payment history. This response only provided a list of my payments and did not address my request for verification. Validation ensures that requests are formatted correctly, while verification confirms that the information provided is genuine and reliable. Thus, my request was not answered. 

Moreover, my affidavit regarding the treatment of credit balances was completely ignored. According to 15 U.S.C. 1666d, any excess amount in my account, even as small as {$1.00}, must be refunded. The lack of response raises serious doubts about the existence of any debt. 

Following this, I sent a follow-up email on XX/XX/year>, specifically requesting a loss/deficit report signature certification verification under penalty of perjury. This document is critical, as it certifies that the information is true and accurate, and acknowledges the legal consequences of providing false information. This verification would provide evidence of any damages or losses attributed to my account. Without this verification, Self Credit Card lacks legal authority to enforce payment and must report my account as paid. 

I trust that the CFPB will conduct a thorough investigation into my requests for the loss/deficit report signature certification verification from Self Credit Card , issued by Lead Bank . Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am requesting capital on be taken off my credit report or not be to report. They have played games with my credit report cause direct, indirect, monetary, emotional, personal, and professional damage. This started XX/XX/year> when I allowed for a car and capital on and XXXX decided to hard close all my credit for actively seeking new credit. Which they changed when I stated to fight to breach of customer agreement which covers about anything besides XXXX XXXX From here Ive asked to settle many times they will not entertain it, Ive paid every payment on time. Once I settled XXXX they started to report that my account were open. My accounts closed this month, my account were never closed, my payment was late, my account date closure changed at least 5 times by XXXX cards is XXXX times. They would constantly misreport the balance in my cards, always against me until I would shake the tree. They purposely change the date on the account to keep my score always pushing down, they mis report the balances to again keep pushing me down to entrap me in the XXXX XXXX of debt. Not a single person at the company will answer questions : they will bold face lie and say they didnt do things I have screen shots of. They intentionally present monthly to the credit bureaus a more negative picture of me than is correct in a coordinated more to XXXX XXXX I. Every aspect of me life. 

The worst part of all is when they made up a fake account out a balance that was fake and completely destroyed me. Ive only ever had XXXX capital one cards. Only XXXX capital on accounts. They reported XXXX accounts all with large balances all with high utilization all with a missed payment. I didnt get a loan to save my business because of that and i dont understand how they could time it perfectly. Please see attached photo
Consumer complaint received 2023-12-28
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. (VA)

In early XXXX XXXX I sent a dispute to Equifax re a fraudulent charge to my XXXX account- which I voluntarily closed. Equifax did not investigate and never notified me of anything. Consequently, I submitted a Statement of Dispute to be included in my report. Equifax did not include it and did not respond to my request to include it. In short, Equifax has- in disregard to its legal responsibility o consumers- ignored all of my correspondence. By doing so, Equifax has caused my financial and reputational harm.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.