davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a account under a open in consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (PA)

I received a notice for XXXX XXXX XXXX XXXX ( 2nd violation ) the 2nd one was inadvertently on the 1st ones account number.

when notified that 2nd wasn't paid I contacted the reporter and supposedly had it all straightened out.

the fine was transferred from 1st to 2nd XXXX however there was late fees incured re spoke to to the people that were collecting for the fine was directed to another govt agency who informed me by email that it was fixed. 

Then I got a notice for PAM a collection agency that they had added more cost on top of the now ( I was told fixed account ) I have spent more than 3 hours on hold listening to their hold music and have not been able to tell them that there info is wrong. 

PAM professional account management XXXX XXXX XXXX NY XXXX www.pamcollections.com ( no way to contact them thru here either ) XXXX my account # XXXX and zip code XXXX ( they ask for it in the ID process. ) the letter is dated XX/XX/2024 XXXX XXXX XXXX XXXX but when you call them they refer you to XXXX which is where I got the email from saying my account was clear
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

the credit consumers are not accurate of what they say i owe them. reffering to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX  , i have never open an account with none of these companies
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TX)

I received an alert that I had a hard inquiry on my XXXX credit bureau on XX/XX/year>. I checked my report and it was listed as a hard inquiry from Montgomery Ward, who I have never done business with let alone request credit. I disputed with XXXX and they say the inquiry was valid. I reported as a victim of fraud on XX/XX/year> and again was told it was legitimate. I reached out to Montgomery Ward and was told they have no record of any account in my name. No one is willing to help me resolve this inquiry that is impacting my credit. 
I have frozen all 3 bureaus to hopefully minimumize my exposure.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (CA)

This complaint serves as a follow-up to my previous complaint ( XXXX ) filed on XXXX against Experian regarding the inaccurate reporting of a purported debt on my credit report. While I am grateful for the CFPB 's ongoing investigation, I regret to inform you that Experian has further violated my rights by marking the disputed debt as updated on my credit report as of XXXX. This action blatantly disregards my valid dispute and the lack of any proof of debt provided by the debt collection agency.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NM)

In XXXX, I closed my SEARS/CITIBANK NA credit card . With XXXX balance. 

Four years later, I found out through XXXX XXXX XXXX  that the above account was open and late by several payments. 

I immediately contacted SEARS/CITIBANK NA , They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXXXXXX XXXX 
The assured me that the account would be closed and I didn't have to do anything else. 
The account was closed by SEARS/CITIBANK Now , four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never owed any money to SEARS/CITIBANK . I did not re open the account Any assistance you can provide will be greatly appreciated. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (OR)

I have been battling phh mortgage for years they keep hitting me with fees and reject every payment I send I have used bill pay my bank they hang up the phone without any resolution everything I talk to somebody I get a different answer they XXXX XXXX XXXX because of the covid pandemic and I have tried to catch up the balance several times and now I can't get them to take my money while adding fees daily this company is a fraud please help
Consumer complaint received 2024-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently closed. There were students who attended this school whose loans were cancelled. I feel that I should be receiving the same treatment as any other student who no longer repays a loan to a closed institution.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

XXXX and other creditor granting companies have told me there is " significance delinquency '' and " negative information '' on my credit report. However, when I go online to check my reports I do not see negative information. My Equifax credit summary says there is " 1 negative '' item in my history, but when I look for that item I am unable to locate it. I requested details about this negative item from Equifax at least three months ago but I have not received any information about it.
Consumer complaint received 2024-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On previous occasions, including on XX/XX/2024 at around XXXX XXXX time. I spoke with a representative of Lakeview loan servicing. The representative seemed unaware of the federal regulation requiring mortgage XXXX balances to be applied to principal after a payment is completed. I requested an escalation to supervisor. The supervisor seemed to be unaware of the federal regulation requiring the application of XXXX balances to principal. Furthermore, the supervisor seemed confused as to the topic of conversation or unaware of the context of the previous conversation on multiple occasions, indicating a possible attempt at using confusion to discourage consumers from requesting the services entitled to them under the law or an unqualified individual answering the companies phones. I requested the application of my existing XXXX balance to my principal. I also requested a review of my account to ensure that the XXXX balance was being applied XXXX automatically to my principal, the supervisor confirmed over the phone that the XXXX balance was not actively being applied automatically to my principal balance- as required by federal regulation. The supervisor informed me that I needed to make an explicit request to apply the extra XXXX funds to my principal, which is not in accordance with federal regulation. The company has failed to apply the payments accurately on multiple occasions. The typical payment is of XXXX biweekly. With a XXXX payment of around XXXX. The remainder should automatically be applied to principal. Previously I called and had the XXXX balance of about XXXX applied to my principal, indicating that they had failed to perform their duties for at least XXXX months. On this occasion, I was informed that I had a XXXX balance of about XXXX, indicating that they failed to perform their duties for another XXXX months. The last time that the issue occurred the company assured me that this would not occur again. The issue has occurred again.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XX/XX/year> someone got my debit card information and made a transaction of {$1800.00} for XXXX Purchase XXXX In California. I called immediately to USAA and notified them of the unauthorized transaction. I practically begged them to cancel the money withdrawal and they said they needed it to go through in order for them to investigate. I called multiple times to ensure that the dispute was in the system and ensured that they would take care of it. The money got taken out and they refunded me the {$1800.00} along with the other withdrawal of {$130.00} which was Event XXXX. Fast forward to three days ago I received a notification saying that USAA was taking the {$1800.00} back out because they talked to XXXX and they said I was the one that authorized the transaction. I was baffled, because when you steal someone's information, you literally steal it to seem convincing. I called them and asked them to look at my account and note that there have not been any charges within the State of California at any time. I have never purchased any concert tickets in my life nor do I feel the need to waste close to {$2000.00}. They are still saying the charge isn't fraudulent and I am still out of the {$1800.00}. I still don't understand how they can not look at the call logs and see I was trying desperately to cancel the transaction and called numerous times to get it cancelled only to be told they had to let the charge go through and they still don't protect my money. What is interesting is my zip code on my Driver 's License does not match the zip code USAA has for my mailing address which would be needed for claiming physical tickets.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

My credit report shows I have a XXXX XXXX Credit Card. I do not. I have disputed this with Experian several times. I have submitted several letters from XXXX XXXX stating that XXXX XXXX knows I am not on this credit card. XXXX XXXX has been very helpful every time I have called and they have supplied numerous letters all stating I am not on this credit card. I even spoke to an account executive to make absolutely sure if Experian contacted XXXX XXXX to let them know I am not on the account. Which they did. Experian continues to report that I am on this credit card account even with all of the proof from XXXX XXXX showing I am not.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following : XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (CA)

This is not my debt. I have never had an account with XXXX XXXX. For years now, various debt collection companies have been trying to collect this, I dispute it, and then they resell the debt and someone else tries to collect it.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (DC)

Received a call from a process server in XXXX  ( I live in XXXX ) informing me that she was unable to serve me a summons. I asked what it was about. She wouldn't give me any information other than a lawyer 's name and phone number ( she would only leave this info on voicemail, she would not send it by text or email ). I called the lawyer 's number and was transferred to a different lawyer. She told me that I had a debt of over {$2000.00} from the year XXXX  ( XXXX XXXX XXXX! ) from First USA Visa and that it was a credit card. She also said that if I ignored the summons and didn't show up in court the debt would mount to over {$9000.00}. I believe it may have been a card my ex-husband had, I don't recall having a First USA Visa. I have so many questions about this and I am afraid to deal with this on my own, not knowing my rights. It seems unbelievable that this company would come after me for a 24 year old debt. At this point I have not been served and have no paperwork. I have only the name and number of the First USA lawyer and the phone number of the process server.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (MD)

In XX/XX/XXXXXXXX  when we completed a mortgage with XXXX, now Newrez, they assured us that the mortgage insurance payments would be removed from our monthly bill when we reached the minimum percentage of home cost. That event occurred six months after the mortgage was initiated but XXXXNewrez did not make the adjustment. When I discovered the problem in XXXX, Newrez said they would fix it and look into the possibility of reimbursement. After numerous attempts on my part to contact them, Newrez hasnt resolved the problem. Moreover, their mortgage statements do not identify mortgage insurance amounts so it is difficult for a consumer to know.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with Lightstream that then turned to Suntrust and now it is Truist. It has changed two times and no one will respond to me Truist. They told me there is nothing they can do about it. I received this response from Lightstream when I tried to have them fix it. 

The amounts that are provided by Truist as money owed and money paid do not match the emails I provided that are from Lightstream, proving that the information no matter what is in error yet they have refused to change it. 

" We are unable to assist you directly here at LightStream as we do not have the loan any longer. The loan is now with SunTrust Bank Recovery Department. '' When I tried to speak with SunTrust they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I pay transfer fee and balance transfer from Amex to XXXX bank. I can see balance transfer amount in XXXX XXXX  plus charging me balance transfer fee but Amex is still showing same amount on my balance. I contacted to XXXX and they told me they already paid Amex XXXX weeks ago and then i contacted Amex they told me oh bank error it will be okay in few days but now my monthly payment day is arriving now they will charge me interest. This is bank fraud if I am not going to spot they will keep like that we trust these financial institutions even they cought with such thing they dont care about consumer their rebust system allow to charge and never forget to charge interst and fees
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I HAVE NOTIFIED THE COMPANY TO CEASE ALL COMMUNICATION WITH ME AND THAT I REFUSE TO PAY THE DEBT 15 US CODE 1692 ( C ) ALSO NOTING THAT CEASING ALL COMMUNCATION WITH ME INCLUDING THIRD PARTY COMMUNICATION VIA CONSUMER REPORTING AGENICES AND THAT THEY DELETE ALL INFORMATION.
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX On XX/XX/XXXX at XXXX PM i messaged XXXX on secure message portal per there request. 
In regard to my Kohl 's credit card account, I informed Kohl 's I was concerns. An associate and I spoke on the phone on XX/XX/XXXX at approximately XXXX pm, and the call ended at XXXX pm. It was difficult for me to understand your associate in order to resolve this complex issue. Sometimes I was unable to understand what was being said and the conversation had to be repeated over and over again. As a result, I requested a meeting with senior management. Unfortunately, senior management was not available, so I requested an email attachment with the billing statements. I requested a breakdown analysis of my account. The telephone support provided was not sufficient to resolve this issue. 

I sent a message stating that they increased interest and fees in the last quarter of the year specifically XXXX and XXXX. XXXX took that message out. Furthermore, on XX/XX/XXXX - XXXX PM in XXXX secure message portal I questioned whether my rewards had been applied to all my purchases since my balance did not appear to be accurate, and this constitutes a form of price gouging on late fees. Kohl 's mailed me my billing statement but did not explain the increase in fees. Furthermore, Kohl 's billing statements do not include an explanation of the XXXX late payment charge on the back of the statement. There needs to be an adjustment made to these late fees. In XXXX and XXXX, it was {$29.00}, and due to the holidays, it went up to {$40.00}. 
Furthermore, on XX/XX/XXXX I sent another message in secure message portal stating the Kohl credit card late fee and interest rate increases continue to concern me. Late fees and interest rates are not explained in detail on the back of my credit card statements and does not state that the late fees are commutated and based on a system. In addition, the Kohl credit card statement does not indicate that late fees and interest rates may increase if the system detects late payments in the previous six billing cycles. It is unclear and does not provide enough detail for cardholders to understand the consequences. Additionally, it is unclear how the system is able to detect late payments in the past six billing cycles. If possible, I would like management to contact me regarding my concerns and what I have requested. Thank you for taking the time to read this.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Received text from XXXX stating the following : Golden1 Credit Union : {$120.00} spent at XXXX  ( XXXX XX/XX/year> ), Reply YES to confirm or visit http : XXXX XXXX to dispute. 
receipt # XXXX It is a very obvious scam.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (NJ)

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX