davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (CA)

In XXXX, I had informed XXXX 's representatives of my financial hardship which started in XX/XX/XXXX. At the time, there was no hope for me to pay my bill on time as I couldn't even have enough money to eat after paying my rent. I tried numerous time to pay even the smallest amount but no compassion from XXXX XXXX, my account was sent to collection. Having this card since XXXX, that's the way loyalty is rewarded with this company. 
In XX/XX/XXXX, I initiated a monthly payment to pay my debt in FULL. The charge-off is not accurate since XX/XX/XXXX as the debt was recovered in full! I was informed by XXXX 's representative in Credit Services Department that the Charge-off information in my credit report would be removed from my credit report once the debt is paid in full. I made numerous attempts to removed this from my credit report but no success! XXXX 's mislead its customer and then refuses to do its part.
Consumer complaint received 2023-02-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Default Servicing Corporation (CA)

NOTICE OF VIOLATION OF FDCPA & NOTICE TO IMMEDIATELY CEASE & DESIST ILLEGAL FORECLOSURE ACTIVITY. I will be more than happy to settle any financial obligation that might be lawfully owed to the right party in interest once XXXX provides me with sufficient proof of claim as a sworn statement under penalty and perjury. 

Under a sworn statement, on what basis and authority XXXX is conducting a non-judicial foreclosure on my home with a sale date of XXXX XXXX XXXX when ( A ) the outstanding balance on the loan was settled in XXXX XXXX  and the attached credit bureau reports from the XXXX main agencies, XXXX, XXXX and XXXX - ALL 3 indicate that ( i ) the loan has been paid as agreed ( XXXX ) Monthly payment is {$0.00} ( iii ) XXXX is showing the account is closed? The reports DO NOT show the loan in default so on what basis XXXX is foreclosing? PLEASE PROVIDE ACCOUNTING REPORT PER GAAP FAS 140 TO PROVE THAT THE BENEFICIARY YOU ARE REPRESENTING HAS A VALID CLAIM OTHERWISE, THIS IS JUST HEARSAY AND NOTICE IS HEREBY GIVEN THAT NDSC WILL BE HELD LIABLE FOR THE HARM CAUSED FOR CONDUCTING A FORECLOSURE WHEN THE NOTE IS NOT IN DEFAULT AND HAS BEEN PAID AS AGREED ACCORDING TO THE REPORTING BY CENLAR TO THE CREDIT AGENCIES. 

( B ) Evidence shows that XXXX XXXX is NOT the true beneficiary or party in interest XXXX is foreclosing on behalf as ( i ) There is NO assignment of Deed of Trust to XXXX XXXX as the beneficiary recorded in XXXX XXXX XXXX XXXX 's office proving that XXXX XXXX is NOT THE actual party in interest and ( ii ) Further, the attached CUSIP report shows that the note with XXXX ( XXXX ) XXXX, Loan # XXXX is securitized and in a XXXX XXXX XXXX. BEFORE PROCEEDING WITH ANY FORECLOSURE, PLEASE PROVIDE PROOF THAT XXXX IS THE RIGHTFUL PARTY IN INTEREST AS THE EVIDENCE I AM PRESENTING HERE DOES NOT SUPPORT YOUR CLAIM. 

( C ) XXXX  DOES NOT HAVE ANY TERRITORIAL JURISDICTION TO CONDUCT ANY FORECLOSURE ACTIVITY AND HAS FAILED TO PROVIDE ANY PROOF WHICH MEANS THAT XXXX DOES NOT HAVE ANY TERRITORIAL JURISDICTION AND IS ENGAGING IN CRIMINAL ACTIVITIES AND WILL BE REPORTED. 

( D ) NOTICE IS HEREBY GIVEN TO NDSC TO CEASE AND DESIST IMMEDIATELY THIS ILLEGAL AND FRAUDULENT FORECLOSING SALE CAUSING ME IRREPARABLE HARM AND NOTICE IS HEREBY GIVEN THAT CHARGES WILL BE BROUGHT AGAINST ALL PARTIES INVOLVED IN ANY XXXX ACTIVITIES- incl. XXXX, XXXX XXXX, XXXX XXXX FOR THE HARM AND INJURY CAUSED.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for two full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a 1099C in exchange for the write-off. I see no other way out of my situation other than a XXXX  XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

In XX/XX/2023 it was brought to my attention that a collection account had been reported to the credit bureaus that I had no knowledge of. I contacted XXXX XXXXXXXX XXXX  on XX/XX/2023 to report the obvious mistake. The representative informed me that they suspected that the auto insurance policy was fraudulent and subsequently cancelled the policy. Despite having knowledge of suspected fraud, XXXX XXXX XXXX proceeded with their collection efforts. The representative advised me to send an email containing evidence of my auto insurance policy with another agency during the disputed time period and assured me that the mistake/fraud would be corrected. 

I sent the email and the documentation on XX/XX/2023. I called again on XX/XX/2023 and was informed by XXXX XXXX XXXX that no action had been taken to remedy their error. I have disputed the account with the credit bureaus on multiple occasions to no avail. The collection agency [ CCCS ] has not responded to my phone calls and they continue to report the negative filing despite the suspicion of fraud by XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (FL)

I would like to address the issue of payments that XXXX XXXX has marked as due for the following account Account number XXXX on the specified dates : XX/XX/2019 XX/XX/2019 I understand that, in accordance with USC 1681 ( a ) ( 2 ) A ( i ), my consumer report must not consist solely of information related to transactions or interactions between the consumer ( me ) and the reporting entity ( your business ). Payment history, including late payments ( accounts with adverse information ), has the potential to negatively impact my consumer report for up to seven years and is considered an essential part of the interactions and transactions between your company and me. 

Additionally, I kindly request that you provide me in writing with the reasonable procedures, as described in 15 USC 1666 ( b ), that you have in place to ensure that you receive each periodic statement no later than 21 days before the payment due date.. Also include all necessary information as detailed in Section 1637 ( b ) of Title 15. 

You have 30 days from the date you receive this letter to provide me with the information I request. Failure to provide this information within the specified time frame will be considered a failure to verify late payments on the dates listed above, indicating a deficiency in reasonable procedures to ensure the accuracy of my account. As a result, I will request removal of late payments from my account and consumer reporting to the relevant consumer reporting agencies ( including, but not limited to, XXXX and XXXX ) and request that the accounts be updated to reflect a positive status.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for $ {$7900.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-19
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: Experian Information Solutions Inc. (MI)

Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
Consumer complaint received 2017-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VEROS CREDIT, LLC. (NV)

I requested a extension with Veros Credit XX/XX/17, due to the that I was getting medical treatment from a car accident. They file the extension. I checked my credit report today ( XX/XX/XXXX ) and they increased my balance by {$240.00} and drop my credit score. I 'm still receiving medical treatment and they continue to call everyday. I $ 10,000+.They been in contact with my insurance company but have n't received check yet but they know its coming.

Veros credit have not right to increase my balance and file the extension as something else. I informed Veros Credit that once I finish my medical treatment I 'll made my payments.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX accepted my 1099 C and sent me copy B for my student loan tender of payment and then they tried to accuse me of falsifying information when my tax document clearly says its from XXXX XXXX in the upper left hand corner. I want this wiped off my credit report immediately.
Consumer complaint received 2021-01-15
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. (CA)

XXXX  XXXX Balance Owed : {$8000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Consumer complaint received 2024-04-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MA)

In XX/XX/XXXX, I purchased personal items from Macy 's for {$68.00}. The clerk provided me the information of the Macy 's credit card to get extra discount, so I though why not and let her fill out the form. However, the address she typed into the system was WRONG, and she claimed that it couldn't been adjusted. Therefore, I required her to NOT OPEN the card. She did not know how to process it so she went for management level for help. Eventually they told me the card has been closed so then I left. One or two months later, I received calls from a collecting company saying I have unpaid debt ( {$68.00} ) for Macy 's and I did not take it seriously because even the staff in Macy 's told me it was fraud. Not until FOUR months later, I confirmed the legitimacy of if and paid the {$68.00} on XX/XX/XXXX, and I also made several calls to Macy 's and the collecting company to make sure the card is CLOSED SUCCESSFULLY. 

Please kindly review the case and withdraw the punishment for credit score due to Macy 's mistake. 

Thank you.
Consumer complaint received 2023-10-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MD)

Freedom Mortgage has made our new homeowner experience difficult. This is the third time in two years that this company has overpaid our property taxes. Each time, I have asked them to correct our account to document that we are to pay semiannually rather than annually. Each time, I am told that it was fixed ( which never happened ) and that we would receive a refund. Unfortunately, this year we were refused the opportunity to obtain a refund and adjustment in monthly payments. In XX/XX/XXXX, Freedom Mortgage XXXX Department paid {$3000.00} in property taxes to the city of XXXX. After multiple conversations via phone, I was ensured that the account was adjusted and to expect a refund/new escrow analysis. Weeks went by and I didn't receive anything. I called the XXXX Department several times from XXXX to XXXX. My final conversation on XX/XX/XXXX, resulted in a rejection of a refund/new escrow analysis. We were told that they accepted fault for their mistake, but stated that it was nothing that they could do. We are now respond to pay {$1500.00} to bring our escrow out of the negative. This resulted in a {$200.00} increase in our monthly payment and added stress to our monthly finances. I can't believe that the same company would make the same mistake three times in a row and not learn from it.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Company purchased a debt that is not mine and have been told numerous times via dispute. under the FCRA they had 30 days to provide a signed application showing it was opened by me the consumer. they dont have this because it is not mine! legally they have to remove it and their failure to do so is a direct violation of the FCRA. they mailed a statement showing no charges with a name on it, but that does not qualify for proof of ownership under the Fair credit reporting act. They purchased this debt cheap and are using credit reporting to try and force me to pay a debt that is not mine or owed. Please be aware that if this is not removed from my credit in the next 30 days you will be sued. It is illegal to report this to the Credit Bureaus with out validation and providing the requested documentation, which is a application showing i signed and opened the card! nothing else is sufficient to prove debt is valid under the FCRA.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/2023 XXXX email notice from Chase bank that an application was being processed XXXX email from XXXX XXXX reporting that an attempt was made to check my credit ( which is frozen ) Called Chase Bank fraud reporting line at XXXX to get the report marked as fraud and closed. Asked for a copy of the report details and they said they can not provide that information without a copy of a Government Issued-ID, FTC complaint and law enforcement affidavit. 

I am now looking to report this crime and seek enforcement as this is likely a party attacking many US citizens and needs to be punished accordingly.
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Montgomery County Credit Bureau (TX)

I am not sure who the company is or the company name but I keep getting robo calls about I am qualified to lower my interest rates on my credit cards from the following phone XXXX. It says to speak to a representative enter option # 1. I have done this multiple times and I have asked the representative to remove my number from their list. This last call the representative told me NO and hung up. 

I get about 6 calls like this type every month. I called the phone number back and now I am getting a message saying that the caller is no longer receiving calls.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Requested validation of debt. I am requesting that a statement that the communication is from a debt collector, your name and mailing information, along with the name and mailing information of the debt collector, the name of the creditor whom states I owe the debt to the account number associated with the debt, an itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date, the current amount of the debt when the notice is provided, Information I can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong. Also I would like to see a contract between you and the creditor stating that you have a right to collect this reported debt.
Consumer complaint received 2024-01-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICA FIRST FEDERAL CREDIT UNION (ID)

XXXX  I had a loan for a year or so with America First Credit Union XX/XX/XXXXXXXX  I changed insurance providers who handled the notification that insurance coverage was in place with the lien company. 

XXXX - XX/XX/XXXXXXXX  There was a disconnect between the insurance company and America First not receiving the information. 

XX/XX/XXXX A few months later I missed a payment then America first bills me for the last 5 months stating I didn't have insurance and stated I owed nearly XXXX on the vehicle, and repossessed the vehicle first week of XXXX. 

I filed a complaint with the XXXX  and additionally called my insurance company requesting them to resend the information over that I had coverage. 

XX/XX/XXXXXXXX  I was returned the vehicle, just had to pay the month that was due and over XXXX XXXX dollars in repossession fees and all the other XXXX XXXX dollars that was the reason the vehicle was repo 'd over was remove from the total since I did in fact have insurance.

Additionally I had to pay for a trailer to haul, and a rental, plus travel cost to get the vehicle back traveling from Idaho to Utah.. 

Additionally when picking up the vehicle the battery was ruined and had sat dead the entire two months they had the vehicle. Additionally the repo company had dis-engaged the alarm some how and left the whole systems non functional with remote start no longer working. A several thousand dollar system down the drain. 

Now I am at wits end with the back and forth trying to get what is owed to me from the company. Being a month behind on a payment did not entitle serval thousand dollar of fraudulent insurance to be tacked on. 

As well once confronted by the XXXX  and realizing their error they returned the vehicle for the meager first month payment. Much less then the repod amount that was stated at nearly XXXX. 

I have called them several times and left complaints with their corporate offices and am not getting anywhere. The next steps are litigation. I want to make sure that a formal complaint is lodged again America First Credit Union and that this is investigated.
Consumer complaint received 2024-01-08
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: Mr. Cooper Group Inc. (TN)

On XX/XX/XXXX Mr. Cooper was hacked and my PII was stolen. I previously had nothing to do with Mr. Cooper, but my loan was sold from XXXX XXXX to Mr. Cooper in about XXXX of XXXX. I feel like Mr. Cooper did not take adequate steps to protect my information, and those of all their customers. It is ridiculous that they should be allowed to have such an egregious violation of my data and not face financial punishment.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.