davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have been disputing this account for some time now with IC SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC (AZ)

On XX/XX/XXXX I sold my XXXX XXXX XXXX XXXX sport double cab to Carvana, the representative showed up to my home at approximately XXXX and looked over my vehicle and verified the miles and presented me with the purchase documents to sign, which I signed and Carvana completed my electronic Equity payment MINUS the amount owed on my current loan to XXXX  XXXX XXXX. They had a person from Carvana come at XXXX and pickup my vehicle and take it to there holding lot in XXXX , AZ . I was told my loan balance would be paid off within approximately 5days. On XX/XX/XXXX I was verifying with XXXX  XXXX if my loan had been paid off and it WAS NOT so I contacted Carvana on XX/XX/XXXX to see why payment hadnt been made. I was informed by the representative with Carvana that they had no clue what I was talking about and that they didnt know they had my vehicle, I explained that they wouldnt have paid me if you didnt have my car and that I had a signed purchase agreement when they picked up my truck on XX/XX/XXXX. After looking further they found they had my vehicle but showed the representative that came to my home and finalized the sale CANCELLED the purchase by accident. Carvana requested a statement from my current lender on XX/XX/XXXX ( XXXX  XXXX ) showing the next payment due date on my loan, which I sent to XXXX XXXX with Carvana on XX/XX/XXXX and claimed the payoff to my current lender would be paid/posted within 2 days, as of XX/XX/XXXX My loan still isn't paid off and I am getting correspondence from Carvana Only stating they want to purchase my Truck and schedule pickup for my vehicle which they already have in there possession since XX/XX/XXXX.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC (NJ)

After JHPDE Finance could not verify this account on my credit report with VALID and SIGNATED documentations like SIGNED CONTRACTS OR AGREEEMENTS BETWEEN ME AND THEM and could not provide my person with the reciept that show for how much money they bough this account from XXXX XXXX  with all my personal and federal information, XXXX went ahead and delete this JHPDE FINANCE account from my credit report. JHPDE was just trying to collect a sum of money I never own them..
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

Around med XXXX I noticed my credit score had dropped a great deal due to a negative report from Southwest Credit. After contacting Southwest Credit i am informed that they are collecting a debt for XXXX and i tell them that i have an acct. with XXXX and it's in good standing. the rep. suggested that i contact t-mobile. After contacting XXXX and informing them of this situation, they confirmed that my acct was current and that there was no debt owed. I've been back and forward with Southwest Credit and XXXX and have no success in resolving this issue while my good mane and credit is wrongfully attacked.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

To Whom it may concern - I was recently surprised to learn that in XX/XX/2021 XXXX XXXX XXXX incorrectly reported to Lexis Nexis ( XXXX ) that I had an auto claim AND reported that I was at fault for this accident. 
While I did call to inquire about filing a claim from a hit-and-run where I was not at fault, I never went through with the claim. XXXX XXXX mailed me a check for {$97.00} which I did not cash. 

In speaking with two XXXX XXXX employees they both informed me that I never did file a claim nor was I at fault, and sent me a PDF letter on XXXX XXXX letterhead to that extent. However they advised they could not rectify the consumer reporting agency data since " the claim was closed ''. 

Under FCRA, XXXX XXXX did report this information to a Consumer Reporting Agency, therefore XXXX XXXX is responsible for rectifying this information promptly upon notice that they have made an error. 

Additionally, I submitted a request to obtain my Consumer Disclosure report online from Lexis Nexis on XX/XX/XXXX. As of XX/XX/XXXX I still have not received the information required from them on obtaining this information. Their process requires me to first submit a request online, then they mail me additional information to access my report. 

The impact of this incorrect data has doubled my auto insurance premium. XXXX XXXX shared that a 6-month quote they provided me increased from {$1000.00} to {$1700.00} due to this incorrect data, a 76 % rate increase. 

I look forward to you resolving this incorrectly reporting quickly. We are in the process of moving and new quotes are astronomical due to your misinformation.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I Deposited a Certified money order into the Bank of America ATM yesterday XX/XX/XXXX The amount of the certified money order was XXXX my savings account has been opened since XXXX and has never had any issues ..... 

This is not the first time Bank of America has ignored and illegally not adhered to the funds availability policy in the United States Banking system. They are telling me that my funds will not be available until XX/XX/XXXX. 

I need access to my funds.. Please advise if you can speak to the powers that be at Bank of America and they are illegally holding funds... 

I would like to get this resolved asap as I need my money for food.. for my children, and rent.. Bank of America does not care
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX, has violated my rights. 
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
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was never 30 days late on ( 2013 of XXXX  ) on this ( CAPITAL ONE BANK USA N ) account. I have made my payment on time and contacted the creditor for a review they were unable to provide with any proof that I was late. If this negative 30 days late does not get removed from my credit bureau and update to current, my next step of action would be to publish this to ( cfpb ) Consumer Financial Protection Bureau and file a complaint to ( XXXX  XXXX XXXX XXXX XXXX. Below you will find the attached copy of the 30 days late and the creditors contact information.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX XXXX called direct sales at Fifth Third Bank to inquire how to get credit limit increase spoke with sales who instructed me to go inside bank to fill application. Decided to check XXXX after specifically going to bank to make withdraw ; later that day discovered someone submitted an inquiry from Fifth Third Bank Location XXXX XXXX XXXXXXXX XXXX # XXXX XXXX Ohio XXXX telephone XXXX. Did not sign or verbally authorize bank employee to do so. 

I would like to thank you in advance for your cooperation in this matter
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

My debit card, credit card, identification, and phone were stolen. I reported the card stolen to the bank immediately after calling the police and was told they would investigate fraudulent charges. My dispute was declined and no reason was given, I asked to speak with someone and provide more detail since it was stolen and replaced and they told me they would send a letter. The letter only said that the bank would not reverse the charges that had been made. This was Citizens Bank in NH.
Consumer complaint received 2022-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/2022, I received in the mail a debit card for a checking account that I did not open with Capital One. I called Capital One Fraud Department and informed them that this was fraudulent activity and to please close the account. The account is showing on my credit report with XXXX as being an active, valid account. Capital One would not disclose any information as to the email or phone number listed to the account. I asked them to inform me when the account had been removed from my name and they said they would send an email to the email address listed on file. Duh. So the person that fraudulently opened this account is going to be receiving the email. Being the victim of identity theft and having to work with the IRS, SSA, and the credit bureaus, this is the very last problem I need.
Consumer complaint received 2019-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I received time sensitive documents to initiate the modification of my mortgage to avoid foreclosure. It was approved in XX/XX/2019 and I have paid the monthly amount as per the contractual obligation but Santander Bank has been applying my payments wrongly and unjustly. They receive the monthly amount as agreed but continuously claim I owe them for a difference. I am having a hard time understanding how they receive and apply tendered payments. My monthly mortgage amount is {$1200.00} and each month Ive been tendering {$1200.00} to account for the mortgage payments for XXXX, XXXX, and XXXX XXXX Mortgage but despite such they have applied {$1100.00} of what was tendered by me. I have questioned this and placed a complaint through their research department and have written letters to address my concern but they have not clarified my misunderstanding and uncertainty regarding this loan. Please help as I recently modified this loan to avoid foreclosure proceedings and I feel concerned about their practices and their impartiality given such acts. Please help!!!! XXXX or XXXX.
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMERICAN EXPRESS COMPANY (WA)

I explained to American Express that my wife almost died several times over the last three years and has not been able to work. That caused a severe financial hardship with mounting medical bills. I tried to make arrangements to pay my all my bills but American Express was the only company that was not helpful at all. They stated to have multiple ways to resolve the matter but in the end only offered one solution that did not work for me. As of the past few weeks I've received at least 20+ calls and now my family who is in another state is being harrassed with the same calls.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (CA)

Both my Performance Savings and Rewards Checking Plus  accounts have been " suspended '' for over a month now, for no reason and I am unable to access my funds at all. On the account, it says " Your deposit account ( s ) are suspended. Please call us at XXXX XXXX XXXX XXXX  for more information. ''. I called the number on XXXX XX/XX/2024 and submitted any information they needed online, and rep on the phone said they had no visibility into the situation and no details as to why my account was suspended and I just have to wait. It is now XXXX and I still do not have access to my money, with XXXX explanation. This is the second time Upgrade has suspended me without reason.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE CORPORATION (FL)

Centerstate Bank Narrative My then wife and I bought a property in XXXX County, Florida and were both present at the closing. The bank chosen for the loan was CenterState Bank, now SouthState Bank. At the time I didnt know how corrupt their employees were.

CenterState Bank which is now SouthState Bank helped my ex-wife remove me from a property deed while married. A convicted felon, former Senior Vice President XXXX XXXX XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to make sure I was removed from the property deed after she delivered a substantial bribe to him. This took place on XX/XX/2010. 
On the Warranty Deed clearly it has her name : XXXX XXXX and _________ my name is missing. In Florida it is possible to remove a spouse from a deed and they would never know and if they divorce the spouse removed from the deed is a non-owner with no rights. A bank can use their power to request to remove a spouse from the deed at the Title Company. 

She made sure this was hidden from me and I did not find out until my divorce. This was no mistake, she did the same thing with another property 5 years before this. 
I am sure there will be some type of retribution or threat from this bank for reporting this.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

My auto loan with Ally Financial ending account # XXXX was paid in full on XX/XX/2021 through a trade-in. On XX/XX/2021 I received email confirmation that the title was mailed to the Dealer that the vehicle was traded in at. 

On XX/XX/2021, Ally Financial erroneously reported the account 30 days delinquent. 

On XX/XX/2021 I called Ally to report this error and ask that they fix this reporting. As of XX/XX/2021, this is still being reported as a delinquent account on my credit report. 

This in turn has caused me to be declined credit that I applied for.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MA)

I XXXX XXXX believes that the credit reporting system works. There is a rule that is part of the Fair Credit Reporting Act known as the 7-year rule on reporting of a negative tradeline. My account with Santander was satisfied several years ago, and I believe that I am entitled to know when the definitive date is when the item comes off all respective credit bureaus. My credit bureau shows the first 30-day late XXXX XXXX, but I believe that I was at least 30-days late twice during fiscal year XXXX. That would mean that the credit tradeline should be removed immediately. Accordingly, I respectfully request a summary statement of each payment ever made by me to Santander since the XXXX XXXX procurement date of debt. Upon such a summary, Santander will see that the deletion timeline has long passed and that the account should be deleted from every pertinent credit bureau pertaining to XXXX XXXX. This credit tradeline must be deleted permanently!!!
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (PA)

I've been disputing this account for months to no avail. I have never received anything at all from HARRIS & HARRIS LTD, NEVER. That is their first violation of the FCRA. They have never responded to any of my disputes or mail, their second violation of the FCRA and a violation of the FDCPA. They have not complied with either of those laws. They have caused me defamation of character, and they have caused me many financial damages!
Consumer complaint received 2021-09-30
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. (PA)

I submitted multiple disputes and an FTC report for fraudulent hard inquiries on my credit reports. They have not been deleted XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-30
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (VA)

Text of my XX/XX/XXXX letter to Card Services, XXXX XXXX XXXX, XXXX, DE XXXX [ XXXX  Mastercard ] : I am writing about the fraudulent transaction referenced above. I have spoken by telephone with your customer service operation on at least six occasions. Twice I spoke with agents identified as members of the fraud unit. I was told that the referenced transaction was one of a series of fraudulent transactions posted to my account in a short time frame. Although I was assured that the transaction should have been credited along with the rest, and that it would be credited, you have not reversed the transaction and continue to charge me interest on it. The other suspicious transactions have been credited. Your representatives have told me that your failure to credit the transaction was an error. You have told me that your investigation determined that the transaction was invalid, like the others I have described. I relied on those assurances, but you have not made good on them.

I am enclosing copies of two letters I received from you about this activity. In your letter dated XX/XX/XXXX, you told me that " the fraud investigation has been completed '' with a determination that I was not responsible for the activity. Curiously, you then sent a letter dated XX/XX/XXXX, which stated that " suspicious activity '' was " pending investigation. '' Your mis-handling of this matter is disturbing and could itself be viewed as fraudulent. If within 10 days of your receipt of this letter the disputed item is not credited, along the interest attributable to it, I intend to file a complaint with the Consumer Financial Protection Bureau, and with any other agency possessing jurisdiction.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

I have been disputing this account for some time now with CREDIT MANAGEMENT CONTROL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Loan start XX/XX/XXXX. 
XXXX XXXX Another 's hazard insurance was paid from my escrow account. 
XXXX XXXX my Hazard Ins was denied payment, but did get paid but late XXXX XXXX asked for the {$730.00} paid incorrectly out of my acct to be returned. 
1098 tax forms containing incorrect information was sent to me. Loan Depot has refused to send correct balances on new 1098 's. 
XX/XX/XXXX escrow acct analysis showed deficient, so my monthly payment was adjusted from {$790.00} to {$890.00}. I was told that would be corrected and new payment of {$830.00} would be initiated in their system. It was not and got collection call and late fee attached. Payment was made for XXXX and XXXX drafted the next day. 
Have spoken with at least 5-6 experts + other Cust Serv . people that say they can fix all problems. 
Have been told {$730.00} has been returned it just doesn't show in escrow account. 
Late fee has been reversed but I get monthly collection letters. 
Payment history on account still shows property taxes paid in XXXX as if paid in XXXX. 
Never sent correct tax info but told " not to itemize ''. 
Loan Depot does not recognize that if system info is not corrected this will and is ongoing. 
Coming up to month 12 of loan and still have escrow acct, payment history, late fee and tax issues that have not been truly fixed since XX/XX/XXXX. 
I did receive a letter that said my address was incorrect. My favorite correspondence. 
I speak to several people a month, but no one seems to be capable of a full fix. 
Even sent a list so all areas could be addressed and resolved. Not a single item has been fully resolved since XXXX XXXX.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX BANKRUPTCY  # XXXX has violated my rights. 

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 has violated my rights.

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