davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Value Auto Mart Inc. (IL)

XXXX XXXX calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I am XXXX XXXX XXXX, XXXX. I am the beneficiary of the account held with discover under the name XXXX XXXX or any derivative thereof. I have tried to resolve this issue with Discover but to no avail. I will be forced to bring suit against Discover within 10 business days from this notice if they do not reach out to me and try to resolve the issue. This will serve as notice and be used as evidence if the issue has not been resolved in the allotted time.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My mortgage is with Bank of America. 

Due the hardship related to COVID-19 I got multiple deferrals of my payments. After 18 months of deferrals, I was told that I can apply for a mortgage modification. 

I applied for modification and submitted all the documents to show my income. I was assigned an account manager or dedicated representative, and would be in contact with her regularly, answering questions verbally or submitting documents as per request. 

At a certain point, I was requested to submit a Profit & Loss statement for a XXXX XXXX that I owned. This was totally out of bounds, as it was nowhere in the document list, nor would it have any impact one way or the other on my income. I provided the explanation to the assigned account manager, stating that the only income I receive from this business is a small paycheck. I was told that nothing further is needed. I then went for a while without hearing back. I kept on calling Bank of America for updates, and was constantly told that my application was still under review. 

Then at a certain point I was told that my application was declined ( and was given a much earlier date of that decline ) because they couldn't verify my employment and income. When I asked what that was about, I was told it was because I didn't provide the Profit & Loss statement for the XXXX XXXX. I argued that this is totally incorrect, as regardless of what that P & L statement would show, it wouldn't have any impact on my income, as the entity isn't a pass-through entity and it is not self-employment income. As such, the only documentation I would need to provide in relationship to that company would be the paystub I receive, which I had provided. 

Numerous attempts to escalate this and have Bank of America give my application for a loan modification a fair and complete evaluation have ended up with a dead-end, insisting on requesting these unnecessary documents, which are hard to come by and wouldn't have any effect.
Consumer complaint received 2023-08-19
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: LEXISNEXIS (MI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pinnacle Asset Management, LLC (CA)

Pinnacle Asset XXXX called me and my employer at least XXXX times each. Trying to collect on a debt that is 20 years old and NOT mine! Saying they are going to garnish my wages. Wo n't give me an address to send a cease and desist letter. Telling my employer they are going to garnish my wages if she does n't give them information on me.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IN)

This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Moreover, XXXX XXXX XXXX committed aggravated identity theft when they resold my private information to Transworld Systems collection agency.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

This company has illegally given my information to another company, halstead, who is harassing me, posing as law officials and lawyers, contacting me via email without my consent. This is a form of bullying and manipulation of a XXXX person.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (NM)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-21
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. (DC)

I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in banking and get a mortgage and these accounts are hindering my chances. Please correct immediately
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is an incorrect bankruptcy on my credit report. I have contacted them a few times to get it removed and nothing has been removed yet. It should not be there and the bankruptcy court has already let me know they did Not report this information so they do not know why it is there. and the bureau claims the court reported it but this is false and I have a letter from bankruptcy court proving they did not report, validate or authorize this so it needs to be removed
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

on XX/XX/XXXX I received a refund for XXXX. I made the purchase through PayPal so the refund was sent back to PayPal. PayPal sent the refund to the card that I made the purchase with. That card was with my bank and that account had been closed. the bank stated they would have returned the refund bc the account was closed. I called PayPal back and they assured me the refund hadn't been returned. My bank also told me they needed a XXXX digit transaction ID so the could track the refund. I contacted PayPal and the person I spoke with sent me a XXXX digit transaction ID. I tried to give that to my bank but it wasn't the correct number. I called PayPal again and told the lady i need a trace request sent to my bank. She told me I would have the refund in 24 to 72 hours. Instead I got a message that the transaction was successfully sent to the the card that I used and gave me a XXXX digit reference number to give my card provider. I called the bank with that number and that was again not the right number. I called PayPal again and spoke with someone in the dispute department and he said he sent in a request for a XXXX digit trace number. the message I got after that was the same message I had received the time before. I went to the main branch of my bank and they explained to me the PayPal needs to contact the bank the use and get the trace number from them. I called PayPal again and got a supervisor on the phone.. the supervisor told me they are the bank and the two numbers they gave me was all there was. I told him I just googled PayPal and they are not a bank and I told him what bank they used. After I said that, he told me that PayPal has done all they can do for me. It has been well over a month of me trying to get my money returned to me and I am extremely frustrated with PayPal bc they seemed like they either don't know how the company works or they don't care to solve the problem.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XXXX took money that I did not authorize from my bank account and refuse to give it back when I call XXXX they ask am I someone else ( name provided ) and also tell me that they dont see the amount, I have disputed the transaction with my bank in addition to sending evidence and receipts of what I was suppose to pay for and they did not help and told me they cant do anything and I have to speak with the merchant which I did and they told me they did not charge me for the transaction now the bank account is overdrawn and the bank is saying it will go into collections when I didnt authorize the charge they allowed to go through. When I asked why they say its because they seen I made a purchase with the company before, but when I actually make a purchase for a large amount with a store I go to almost everyday they send me a fraud alert and stop the charge when Im in the store. This is unfair, unacceptable, and I feel its illegal for the bank to allow a large charge to go to a company that has never happened before I need assistance on reporting the bank and the merchant and possibly a lawyer
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (MO)

On this day XXXX XXXX XXXX applications pursuant to an extension of credit in the sums said {$170000.00}, {$130000.00} was submitted to XXXX XXXX XXXX XXXX and denied. We proceeded to ask the finance manager why we were denied, he then replied telling us due to whats in the report showing that we have not had a previous loan in the sums said that compares to what has been applied for and that our income is too low, and we dont have any down payment also could have led us to a denial. We then told him that we are being discriminated against, and that they are violating our consumer right to credit. And that they blatantly ignored all consumer laws that theyre governed by, which are : Equal credit opportunity act was violated, ( TILA ), Federal Reserve Act sec.16 1 & 2 saying that the application w/contract is the collateral security and legal tender, Bill of Exchange Act. Finance manager did not offer to speak with underwriting at anytime on our behalf about the consumer credit transactions.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WLCC (NC)

I recently signed up for a loan. I sent them an email and called for them to stop automatic drafts from my account. The representative told me I could not revoke their privileges to withdraw money out of my account. I proceeded to tell them this is my right. After arguing back and forth they said they were going to stop automatic draft from coming out. I am still nervous that they will try to take the money out of my account on XX/XX/23. I tried to put a automatic stop using my bank to no avail because they go by so many different names and was told by my bank I had to have to exact name to stop their payments. I keep calling to get the name in which they might try to use but get no response. I know one of their names is XXXX XXXX XXXX. Will you please help me if they illegally withdraw money from my account?
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have signed a Deed  in Lieu ( late  XX/XX/XXXX  ) wit h my mortgage servicing company,  Select Portfolio Servicing, and, as per the contract, moved  out by  XX/XX/XXXX . I moved out on time and the property was clean and in good shape. I was promised ( as per the contract ) that I would receive a {$10000.00} relocation check for agreeing to the De  ed in Lieu.
It is now almost mid- XX/XX/XXXX  an  d, every time I call for an update, I get the same response- it is in " review '' and not yet complete.   I get no indication of a time line ( although I was told by them at the beginning of this process that from signing to completion would be no more than 3 months -it has been about 6 month s already ).    The property has been left abandoned ( they have not been out to cut the grass and maintain the outside ) and when I ask who 's responsibility it is to do that, they claim that it is theirs and they will get to it, but they never do.   So, my previous neighbors are left with a property with un-kept lawns and it it looks bad in the neighborhood.   Part of my utter frustration with this is that I can not get a clear indication from  Select as to where we are in the process, how much longer this " review '' will take, and what happens after it gets sent to the county for recor ding ( which could take more time ).   I can not believe this process has stalled the way it has. Not only am I concerned about the state of the property ( a home I loved and took very good care of ), I am also due that relocation check which I really need.   Here are the specifics of my account at Select Portfolio Servicing : Loan #  XXXX  Name :   XXXX   XXXX   XXXX   Address :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Md.  XXXX  Relationship  Manager :    XXXX   XXXX    XXXX   XXXX   XXXX   I a m also attaching the Deed in Lieu document that executed in  XX/XX/XXXX with Select Portfolio which details all of the conditions.  <P/> My phone # is  (  XXXX  )  XXXX  and e- mail :  XXXX  XXXX  XXXX  if you could please follow up with any news as to my case.  <P/> I am glad I found this outlet as I did not know where to turn and I hope that you can help me to get this Deed in Lieu completed.  <P/> Thank you-  XXXX   XXXX
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (NY)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This debt collector has not only violated me and my rights as a consumer, but they have violated and blatantly broke the law at my expense. they have engaged is deceptive and unethical business practices against me, which goes completely against the FDCPA guidelines which is prohibited and considered a violation. 
They acquired and furnished this account which was not authorized by me in any way shape or form. We did not agree upon this account in any way shape or form. I DID NOT sign any agreement, legal contract or documents allowing this fraudulent account to report anything that has to do with me.
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

in early XXXX of XXXX  I in good faith applied for an extension of my consumer credit in order to receive a car and was denied. I am credit worthy and I supplied my social security card number and my driver license number on the application which according to the consumer credit protection codified in title 15 chapter 41 of the U.S.C, are in fact credit cards. ( XXXX credit cards ) I exercised my rights and notified this company of their illegal practices on XXXX XXXX. After reviewing my notice, they still decided that they were not in violation. when I asked for their claim in writing they refused to put anything in writing, stating " we don't have any correspondence for that ''. Even though it sounds like the lady was reading off a Letter. So, I am in good faith again trying to get their response to this matter in writing. This company is in violation of discrimination on a prohibited basis of my consumer rights. This is an official public notice that I will be using civil action. I have attached the correspondence sent to me from Capital One and the correspondence I sent them back.
Consumer complaint received 2023-08-17
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: ALLY FINANCIAL INC. (GA)

This is my complaint to ALLY FINANCIAL for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I had a debt from my previous apartment because i didn't finish my contract. I was asked to pay over XXXX XXXX USD for 2 years. I setup my payment account as autopayment once every month so I wont miss it. Then the company transferred my account to a collector agency. I was able to communicate with the collector agency/company, able to set up my autopayment for 1 year for the remaining balance. After XXXX consecutive months of auto payments, suddenly my credit score dropped from XXXX to XXXX. I requested to run my credit report only to find out that the collector agency had provided information that my debt is past due. It can never be past due as the account is setup as autopayment on a monthly basis. So i I reached out to the agency and asked what happened. The manager said either I pay the balance in full which is XXXX so my credit score will go up again or I can always pay on a monthly basis but my credit score remains low. I was left with no choice but to pay my debt in full even using my credit card and will find ways on how the payoff my my credit card. I felt I was deceived as they never mentioned to me nor explained that my credit score would be affected even if i pay ontime. My husband and I are both affected with this, out credit scores dropped significantly.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been a consumer with Kohl 's since XX/XX/XXXX-XX/XX/XXXX. I have been working very hard on my credit reports to get incorrect information removed. I see that Kohl 's has late payments listed that do not match my credit report.