davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

Around mid XXXX XXXX Resurgent Capital Services email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/XXXX. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/XXXX. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested Resurgent to provide a copy of the original contract with XXXX showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with XXXX or any other creditor. I did receive ltr from company titled XXXX XXXX XXXXXX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with XXXX.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I received a letter from a debt collector XXXX XXXX XXXX on XX/XX/2023 and I responded asking for debt validation because I don't know this company writing me telling me I have money for them, then I got another letter from Resurgent Receivables LLC on XX/XX/2023 responding to me about same alleged debt owing to them and I was not provided with my request documentations for my validation. I then again sent second letter requesting for all those documentation I previously asked for to validate this alleged debt, then I received another response from a Resurgent Capital Services on XX/XX/2023 which again XXXX not get any documentation to properly validate this alleged debt. I then wrote a third letter attempting to request for those documents once again to properly validate this alleged debt and I let them now that If they can not provide these documents they need to cease and desist from contacting me. 
After I disputed this item they went and posted it on my credit report on XX/XX/2023 I saw it on my XXXX and XXXX report which is a clear violation when an item is in dispute
Consumer complaint received 2016-09-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Mobiloans, LLC (TX)

I received a pre-approval letter from a company called mobiloans early in this month and accepted. I was asked to send in a voided check as well as an authorization form allowing them to make ACH transactions on my account. I sent all the info as requested and supposedly the information was updated as I got a confirmation email. So I requested funds on monday the XXXX of XXXX 2016 to give me enough time to receive it by the time I needed it ( XXXX XXXX 2016 ). They promise to have the funds in your account by the next business day but two days later ( today ) I hadnt recived the funds so I called their customer service line and recived the worst customer service ever! The people told me basically that the agent who made the update to my account did it wrong and because of this I had to wait till they received the money back before I could request it again pretty much leaving me to deal with my issues of not being able to handle my emergency in time which was the whole purpose of using the service to begin with.
Consumer complaint received 2023-11-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (MD)

Dear friends, I am coming to you because I am running to a situation that I have never encountered before! 

Hi, My name is XXXX XXXX and I am a resident of Maryland and a XXXX citizen living in XXXX MD and my phone number is ( XXXX ) XXXX I have a CD account with Ally bank. the principal in the CD account is {$78000.00} and account number is ending in XXXX I am taking a trip overseas to visit my uncle that is XXXX XXXX in XXXX so on XX/XX/XXXX I called Ally bank and asked {$1700.00} out of {$1700.00} that was accumulated in my account as interest to be sent to me. At first the teller gave me a hard time and said you have to wait until XXXX and it seemed that he did not know what he was talking about and I do not have any arrangement for periodic disbursement of my interest so I asked for a supervisor and she said no problem a check with XXXX send to you ... .by the way at the beginning of each call it says you will be recorded so I am hoping that there are copies of these recorded conversations. 

I waited for a week and called back to check on status of that check and this time the teller tells me " a check for {$670.00} has been sent to you '' I said I requested {$1300.00} where is this new figure coming from? She says I do not know. I asked her to cancel that and send me a check for {$1700.00} please she put me on hold for a few minutes and says okay. I put an order in for XXXX with fees waived. you should be getting a check by Wednesday before XXXX or Friday after XXXX day. 

On Wednesday XX/XX/XXXX I call to check on the XXXX mail status and I found out that no XXXX mail has been sent. I asked a compliant to be open and a manager call me but no one called me. 

On XX/XX/XXXX I called again and the lady teller would not give me straight answer weather a check has been sent or not so I checked my account and I see that again they have altered my principal in the CD and it has gone from {$78000.00} to {$79000.00} and there is only {$9.00} interest in my account. 


I don't know what kind of game this bank is playing with me and my account. It appears that they are acting in a lawless and arbitrary manner and talk liberty with a client account and I am extremally concerned plus I need my interest for the trip that is coming up very quickly. The number for Ally bank is XXXX Please help me. Thank you XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

There are several unauthorized ATM transactions on my Santander debit card. I tried resolving this over the phone but got disconnected. Im XXXX  so I have to use a relay service. Theyre not always the most reliable. I was able to order my replacement debit card but the claim wasnt filed because I was disconnected and couldnt get back through. So, here are the transactions I need to dispute. In addition to these, there are also many ATM fees associated with the fraudulent transactions. The fraudulent ATM transactions are XX/XX/2018 for {$800.00} and {$180.00} at XXXX XXXX. There are also two pending ATM transactions with a date of XX/XX/2018 for {$500.00} at XXXX XXXX  and {$33.00} at XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

Equifax is accepting incomplete, inaccurate & unverifiable account information without investigating. My requests for 24 months historical data are being ignored. My credit score has suffered because of the inaccurate, unverified information. XXXX XXXX has a poor consumer rating & is clearly doing the same thing to many other consumers. They need to be stopped! Every time I present factual account information the information is used against me & changed!! I can provide verification of all payments made to challenge the inaccurate information. I NEED the requested information to challenge the inaccuracy. Please provide! Im attaching the data provided from XXXX. It clearly shows NO data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  & XX/XX/XXXX! XXXX shows a payment of {$2200.00} & XX/XX/XXXXXXXX  shows a payment of {$100.00}! 
Now, XXXX is requesting that I send them a complete, unabridged copy of my credit report! Why? But I WILL provide a copy of my FICO score from XX/XX/XXXX. FICO XXXX & after XXXX reported dropped to XXXX! I can assure you that I didnt have a XXXX FICO from not paying my bills!!
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AK)

Attention underwriter!!! 

I recently applied for a credit card. I was denied. My next step will be a complaint with Consumer financial protection bureau and I have a claim. 
On the consumer transaction. I ask we proceed and Act in good faith. Denying me access to my credit is discrimination. I have rights to my credit, Withholding my access to my securities is securities fraud. According the consumer credit protection act, equal credit opportunity act, title 15 USC 1691. My ss # is my full faith in credit. Please give me a list of all the factors of this consumer transaction. I am the beneficiary. I am aware of the securitization process and am entitled to the proceeds. Interest. Please correct the error. Thank you. Looking forward to setting this matter. 
You sent
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/2017 in regards to how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. However I never had an account or contract with this company .According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA itn states the CBA is required to promptly DELETE all information which can not be verified.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
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. (CA)

My Best Buy credit card through Citi charged me for services without my knowledge, request or approval. i wrote them requesting they correct their error, and they are not only refusing but threatening me and charging me penalties and fees.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

Central portfolio control has not only violated FDCPA and TCPA they continue harass me via text messages, attempting to collect on alleged debt that violates the HIPPA Laws. Central portfolio bought my personal info, name, address, and social security number which is identity theft. 

18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse-A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Consumer complaint received 2017-04-06
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I was just recently notified by my credit bureau that my score dropped over XXXX points. I immediately went online to check it out to find that CapitalOne was reporting me over 30 days delinquent. I knew I had not used the card so I immediately thought fraud. However, after calling CapitalOne, I was informed it was from the annual credit card fee and by now received XXXX late fees. I did not receive any email notification or any statement in the mail. I checked everywhere. CapitalOne agreed to waive the late fees and update my credit bureau. However, they are unable to expedite the request and force report to the credit bureaus. I am in the process of purchasing a mortgage and as a result I will be charged a higher interest rate, my mortgage payment will be higher, and delay the process of purchasing our home. This is XX/XX/2017 and a credit card company can not expedite a credit bureau update per their error? They stated I would have to wait till the account cycles. That is three weeks from now. This needs to be done now!
Consumer complaint received 2023-11-28
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (AL)

To whom it may concern : I've been receiving several text messages and calls since XX/XX/2023 regarding a debt from TrueAccord for {$780.00} for the Creditor XXXX XXXX XXXX. 
Also I've been receiving calls from XXXX XXXX. 
I never contracted any service with this company and I don't recognize this debt. 
I will appreciate your help and support to clarify this situation. 

Thanks in advance,
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc (FL)

XXXX XXXX of Williams and fudge law firm. Contacted my place of employment. I hve never given them this information or permission to contact me there I dont even know how they got the Information. I have talked with them about proof of debt and what they provided did not convince me of the debt and I do not agree with it the school they represent us trying to collect a debt on classes I did not take after I left school and has not provided a clear receipt of debt owed I told them I dont agree with it and will contact the school to sort it out I got an email from the school saying ignore it and forwarded the email to Williams and fudge I do not know why they are trying to collect I havent heard from them in over two months and now they just randomly call my place of employment. At this point I wish to not be contacted by them any more it is very unprofessional and is harassment why they have done. They clearly went out of there way to find my place of employment d call them without my permission or asking me or getting that information from me.
Consumer complaint received 2023-11-28
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)

received a letter in the mail in regards to a credit card application that was not approved or authorized to be open contacted chase to get me information as to how the application was placed was told they was unable to provide that info to me but was able to go to a branch to fill out a form in regards to application being placed without my knowledge
Consumer complaint received 2022-12-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX Banks ( Last 4 SSN XXXX ) Mortgage Company : Carrington Mortgage Account number : XXXX Property address : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX My Father, XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX and willed us the personal property at the address listed above. We recently sold this property and completed closing on Tues., XXXX In the midst of closing on the sale of the property, Carrington sent a payoff quote for {$170000.00}. The title company then forwarded to Carrington a wire transfer matching the payoff quote. Unfortunately, Carrington neglected to include the property taxes they paid on XX/XX/XXXX in the amount of {$5600.00}. As a result, Carrington rejected the wire transfer stating it was short by {$5600.00}. XXXX XXXX has consistently tried to rectify this matter by receiving an updated payoff quote. It has not been received. I called Carrington today to see what I could do to expedite the payoff quote, and because the process usually takes 3-5 business days, we will be charged additional funds- though we closed on the sale of the house on XXXX 

Issue : Carrington continues to add fees to our balance, while they also have neglected to provide a payoff quote including the total balance owed. 

Issue : Because Carrington rejected the payoff from XXXX XXXX, we were charged {$50.00} in wire transfer decline fees by XXXX XXXX.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NY)

I received an alert email From XXXX XXXX stating I have a hard inquiry from this company I have never heard of, i immediately called the company and was told that a credit card application was in fact applied, which I did not authorize.
Consumer complaint received 2023-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I originally borrowed XXXX for a private career training loan. I have not missed a payment as it has been set up on auto-pay since XXXX when the loan was originally taken out. Navient took over my loan after their split from XXXX XXXX in XXXX. I am getting nothing but the run around from Navient and I was originally told the loan would be paid in full in XX/XX/XXXX. Then when I saw the amount still withdrawing from my bank account, I immediately called to to find out what the problem was. To my surprise, they added several more thousands of dollars to my payoff amount and then said that my loan would not be paid in full until XX/XX/XXXX. I have requested all records from them regarding the original loan amount agreement and terms yet they still have not sent to date. In addition, my new pay off date is now XX/XX/XXXX. I have been paying on this loan since XXXX and has been on autopay. Now they are saying I am behind and owe an extra {$220.00}, but it has been on autopay and looking at my history- they have received a monthly payment every month since original borrowing date of loan. I am unable to claim the amount of interest I have paid on taxes as I was informed that " it's not deductible on a private loan. '' In addition- as a single parent of XXXX small children, I went back to school full time at night for my XXXX XXXXXXXX XXXX while I was still working full time as an XXXX during the day. I called Navient again to see if I could place in deferment since I was back in school at a full time status and they once again informed me that I couldn't defer payments since it was " a private loan. '' I need someone to look into this fraudulent activity as my pay amount continues to increase, now they say i'm late on payments- when it's been on autopay, and I have been paying on this since XXXX and it's XXXX and the loan is still not paid in full when the original borrowing amount was only XXXX. Please help.
Consumer complaint received 2023-01-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (GA)

As Dated XXXX XXXX, I, XXXX XXXX, consumer, credit worthiness has been judged by Truist Bank using inaccurate information from CRAs to deny my extension of credit. 
( see attachment )
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (LA)

Equifax and XXXX is governed by 15 USC 1681. And they have violated my rights. I request that the accounts be removed. according to 15 USC 1681, I have the right to privacy and did not give Equifax or XXXX permission to publish the accounts listed below : XXXXXXXX XXXX XXXX  - ( This is an account with XXXX bank I'm unfamiliar with ) on my EQUIFAX report it is the only inquiry XXXX XXXX XXXX - Also on my XXXX report XXXX XXXX -- -XXXX