davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, XXXX XXXX XXXX XXXX I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2024-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I had my former Employer submit a XXXX XXXX XXXX cancellation request to ECSI. XXXX XXXX XXXX XXXX and received notice that I had not repay This loan after XXXX yrs. I have received numerous harassment notifications from this Company but have not gotten in writing any information at all. I repaid all of my loans to University and somehow this fell through the cracks. Please assist because I am being forced to repay under duress. Thank you
Consumer complaint received 2024-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC (CA)

been on a FEMA disaster forbearance since XX/XX/XXXX. My eligibility is based on my place of business/employment was negatively financially impacted in the county of XXXX CA XXXX Zip code XXXX. My primary residence is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The property Im mortgaged with UWM is located in XXXX XXXX County one county over. My investor is XXXX XXXX, it's one of their qualifying criteria to be on a forbearance plan for up to 12 month. 6 months into my plan I called in on XX/XX/XXXX to ask for an extension. I was not able to receive receive an extension. Please look into this.
Consumer complaint received 2024-01-28
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. (FL)

The credit card company refuses to request written proof from the merchant, showing that I allowed them to charge my credit card a second time for {$2800.00} and a third time for {$400.00}. Their argument is that I provided my credit card number over the phone on XX/XX/23, ONLY allowing them to charge {$3700.00}.
Consumer complaint received 2024-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NC)

I believe the account is invalid. RENT RECOVERY SOLUTIONS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX
Consumer complaint received 2024-05-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

ulta beauty rewards credit card. I paid off the credit card in XXXX of XXXX. The payment was received but they continued to charge me interest. I was not using the account so there should have not been a balance due. I did not check any statements. The claim there was residual interest of {$3.00}. I received all information online. They are continuing to bill interest and late fees.i was never aware of a fee until XXXX when I called because I had received a notice and they refused credit any fees. I closed the account. Now they are just talking over me and not allowing me to ask any questions. The phone staff are very nice but are not assisting. This feels insensitive and illegal and should be stopped. XXXX was the manager I spoke with and she was not helpful and would not consider any reductions. I should not have to pay any interest or fees o. A account that was paid off and closed. When we pay the statement balance as a consumer we expect to have a XXXX balance.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Portfolio Recov Assoc. # XXXX, XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable XXXX, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee. 

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In Accordnace with the fair credit reporting actXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NV)

This complaint is in regards to a letter I received from Jefferson Capital Systems LLC stating that they are a debt collector and they are attempting to collect an alleged debt from me in the amount of {$2400.00}. This shall serve as my refusal to pay the alleged debt in the amount of {$2400.00}. PLEASE SEE ATTACHED.
Consumer complaint received 2023-12-22
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. (FL)

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (CA)

I am composing this urgent correspondence to implore the intervention of the Fair Debt Collection Practices Act ( FDCPA ) to halt the illicit foreclosure proceedings that are currently targeting my residence, which is presently in a state of pre-foreclosure. These proceedings have been relentlessly pursued by Real Time Resolutions , Inc., headquartered in XXXX, Texas, and XXXX XXXXXXXX XXXX, based in XXXX, California. It is pertinent to note that the fraudulent Home Equity Line of Credit ( HELOC ) account, complete with fabricated and forged signatures and fingerprints, was initiated XXXX  years ago. 

I have lodged formal complaints with several authoritative bodies, including the Consumer Financial Protection Bureau, the Federal Trade Commission ( Account number : XXXX ), the California Attorney General 's Office ( Case number : XXXX XXXX ), and the XXXX XXXX XXXX District Attorney 's Office ( Case number : XXXX ), in addition to corresponding with the California Secretary of State, XXXX XXXX XXXX XXXX Regrettably, my efforts have brought to light discrepancies, such as the discovery that a notary public had misrepresented her last name. Furthermore, I reported these egregious acts of fraud to the Federal Bureau of Investigation ( FBI ) on XX/XX/XXXXXXXX XXXX XXXX  and despite numerous interviews, the FBI has not pursued the matter, citing a statute of limitations related to the financial crimes committed nearly two decades ago. 

The financial toll resulting from this duplicitous conduct, which transpired in XX/XX/XXXX and XX/XX/XXXX, amounts to a staggering {$180000.00}. Moreover, the perpetrators made regular interest payments for 27 months to conceal their actions. To compound matters, the fraudulent HELOC account was sold to a debt collector by XXXX XXXX XXXX XXXX XXXX, leaving my wife and I ensnared in a web of deceit and accruing interest. 

In light of these distressing circumstances, I urgently implore your immediate intervention to engage the debt collector, XXXX XXXX, to halt the impending foreclosure proceedings scheduled for XX/XX/XXXX XXXX XXXX 

Sincerely, XXXX XXXX and XXXX XXXX Homeowners of XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is 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 account. I have no knowledge of this and all is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP (MS)

My credit was nearly perfect for 14 years-no late pymts. US Bank has received payments and did not process when received. I have dealt with 2 late payments hitting my credit file. The ONLY LATE payments in 14 years. The payments were made. They were not posted in a timely manner. Further, we apply extra money toward the principal of the loan. The company does not apply our additional funds toward principal. IT HAS BEEN A BIG MESS! We have our bank account records to prove we made timely payments.

FURTHER, there has been NO late notices, NO mailed notices prior to this company putting not one but two 30 day back to back notices on my reports. Do NOT finance anything through US bank!
Consumer complaint received 2024-01-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

{$1.00} was charged fraudulently from a {$500.00} card. It was reported to XXXXncomm. They put a hold on card & said I can not use the remaining {$490.00} on card while the {$1.00} is disputed & that I would have to wait for 45-90 days for dispute to complete.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Reporting false information on my credit report that was done by fraud. account number ( XXXX amount {$290.00} ) ( XXXX amount {$540.00} ) ( XXXX amount {$3800.00} ) XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$210.00} Please remove above fraudulent accounts or any unlisted fraudulent accounts from my credit report asap..
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Carvana Group, LLC (OH)

Fell behind on payments, and they took the car without notice of repossession, they charged off my loan to a third party company. My indenture trustee did not help manage anything. My right according to the The Trust Indenture Act ( TIA ) of 1939 was violated.
Consumer complaint received 2024-01-28
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (TX)

I asked company for validation of debt which is not sufficient enough in showing I own this debt. The bill they sent shows a address I never lived at with a move out date. They also reported this debt to my credit while they were suppose to be validating this debt. This is a violation of my rights. They also did not include a tear off form that I can send back to them to dispute this debt.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Merrill lynch discussed my account with another business without my permission and disbursed my funds to that business and lied and said they never accepted the check I deposited they stated they sent the check back to XXXX when they did not they illegally sent my funds to a check cashing place when I had already changed my mind with cashing with them I did not receive funds on XX/XX/XXXX from them and thats when I cashed my check with Merrill lynch XXXX could not put a stop payment because it was already cashed with Merrill I still havent received my funds to this day these companies are both crooked and I need my funds back.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

My Wells Fargo XXXX Credit Card had a balance of {$11000.00} ( the " XXXX Statement Balance '' ) for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which is due on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$10000.00}, which reduced the remaining XXXX Statement Balance to {$1800.00} ; on XX/XX/XXXX and XX/XX/XXXX, I received several refunds totaling {$1200.00}, which further reduced the XXXX Statement Balance to {$680.00}. The XXXX Statement Balance remained {$680.00} until another refund of {$59.00} was received on XX/XX/XXXX, which resulted in an unpaid due of the XXXX Statement Balance of {$620.00} on the XX/XX/XXXX due date. On XX/XX/XXXX, I received my statement for the billing cycle XX/XX/XXXX to XX/XX/XXXX, which indicated that I owed an interest of {$140.00}, calculated based on a 24.49 % APR on a {$6800.00} balance. 

I called Wells Fargo for a calculation of the {$6800.00} balance, and Wells Fargo responded that this was the " average daily balance '' of my " XXXX statement '' but refused to provide more detailed explanation or calculation of such {$6800.00} balance. 

My complaint is two-prong : 1. Throughout XXXX, Wells Fargo was showing me on their mobile app that I have {$0.00} remaining balance of my previous statement. This false and misleading information is the direct and proximate cause of my not paying off the {$620.00} remaining XXXX Statement Balance that were overdue after XX/XX/XXXX. 

2. Even if Wells Fargo is not liable for providing the false information, the overdue balance I had was {$620.00} for a period of 5 days until being paid off. It is utterly unreasonable and unconscionable to charge {$140.00} interest on the {$620.00} balance overdue for 5 days, which equals to a 1648.95 % effective APR. It should not matter how Wells Fargo calculated the pretextual {$6800.00} balance, especially when Wells Fargo also failed to provide any calculation of such balance that the interest was based on.
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

First OFF MY NAME WAS USED IN A CO SIGN ON THIS VEHICLE WHICH WAS IN A CAR ACCIDENT AND WAS WREKED CREDIT ACCEPTANCE CAME AND GOT THE CAR THEY SELF NEVER SAID ANYTHING BESIDES I CAN PAY THEM LIKE XXXX $ SO HOW THEY SEMD ME A LETTER SAYING I BASICALLY OWE NOTHING BUT ON MY REPORT ITS XXXX this is false information reported on my report and I need it removed immediately
Consumer complaint received 2024-01-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC (WA)

XX/XX/2023 certified mail # XXXX. Requesting all documents/ agreements and or contracts between myself and or Shell Point . An affidavit of Truth stating they were that they were including a copy of the promissory note. All statements and documents needed to be notarized under oath. 
I have stated I have never entered into a contract/ agreement with this company nor have I ever heard of this company. Valid Proof of fiduciary agreement between myself and this company. 
included a notice of intent and fee schedule. 
USPS delivered these documents to Shellpoint on XX/XX/2023 at XXXX XXXX I have received the return receipt from this company.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

We were scammed out of {$36000.00}, contacted Wells Fargo and reported fraud, however investigator indicated that there was nothing they can do about my situation regardless of pleading with them that we do not have a relationship with XXXX XXXX and we have not benefited from any services they provide. My checks were deposited into a Wells Fargo Account. I've been a customer of Wells Fargo for over 30 years, they know I do not have such relationship, they should have flagged the checks and allowed us to proceed with fraud, but they refuse to do so.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NJ)

THIS IS NOT MY ACCOUNT. Never I knew i had an affirm account under my name and worst that is been on collections. This is identity fraud someone opened an affirm account and now has been on my credit as adeliquent account and Payment history as unpaid
Consumer complaint received 2023-09-05
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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