davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (PA)

RE : LVNV FUNDING LLC ACCT : XXXX ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt.

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity. 

6. Please provide verification from the stated creditor that you are authorized to act for them.

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from ( Name ) credit reports. I demand the account be validated or removed immediately. 

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I deposited a check for the amount of $ XXXX into my CAPITAL BANK ACCOUNT on XX/XX/2022. Deposit slip tells me the fund is available on XX/XX/2022. ( My Capital Bank Account number ending xxxxxx, Branch Address, XXXX XXXX XXXX, XXXX, NY XXXX ) XXXXXXXX XXXX was the issuing bank for the amount $ XXXX. XXXXXXXX XXXX Cleared the check on XX/XX/2022. Copy of the check cleared by XXXX XXXX, I received AND send to Capital Bank for Verification. 

Unfortunately, Now, Capital Bank is holding the fund for until Monday, XX/XX/2022, casing me huge loss. 

Could you please assist me on this matter.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/2020, Received my monthly statement from Lowe 's home center as administrated by SynchronXXXX Bank with a balance of {$8800.00} before a payment of {$350.00}. I then called Customer service ( XXXX ) for a pay off amount and was told that amount was {$7800.00} if the payment was received by XX/XX/2020. I then asked if payment could be made in two payments and it was agreed, I made payment one with my personal check # XXXX for {$2800.00} payment two by proceeds of a loan of {$5000.00} from my bank transfered electronically all before the deadline date. 
I assumed that payoff was on time and complete for Lowe 's special finance program, again I received the XXXX statement and it showed a new balance of {$11000.00}. Called customer service again and was told that it would take up to three billing periods to show a corrected statement. Assumed that the account was settled and made no further payments. 
Received XX/XX/2020 statement and it showed an oustanding balance of {$3900.00} again called customer service and was assured that a correction was in order, while the clerk I spoke with was very pleasant she had to bring the matter to superiors. 
Received current statement showing a payment arrears of {$380.00} and a Balance of {$4000.00}, called customer service again and discused the repeteing problem and was put on hold so clerk could review problem with superiors and after a considerable wait time was disconnected. 
It appears that this is an attempt at profiteering on the part of Syncrhrony management.
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel law firm sued me for a very old debt that was apart of a class action lawsuit with XXXX. The debt was past the statute of limitations and I was not served or given proper notice that I was being sued. 

They have started to garnish my wages due to this illegally suing me for old debt and debt that was forgiven in a class action lawsuit.
Consumer complaint received 2022-12-28
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$23000.00} XXXX XXXX   XXXX {$190.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Acct Name : XXXX XXXX XXXX Co XXXX : {$3500.00} Acct Number XXXX According to FCRA XXXX ( b ) ( XXXX ) ( D ), which mandates that if the results of a dispute leads to the determination that information is inaccurate, then the furnisher must report the correction or deletion to all CRAs to which the information has also been reported. Update or deletion with only the CRA that is handling the dispute is not adequate. 

XXXX has deleted this item from my report based on the information received from the creditor, Attached is the official XXXX report showing it as deleted.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX ( auto financing ) was included in my chapter XXXX bankruptcy filing. They were paid in full ( 100 % ) by my trustee employed by The Ohio XXXX District ( XXXX Ohio ) Federal Bankruptcy Court. 
The Chapter XXXX Bankruptcy has been successfully discharged. They continue to report on my Transunion credit report as this account being " open '' after attempts by myself thru the online dispute option. I have plenty of documentation showing they were my auto finance company, they were paid in full thru the Ohio Federal Bankruptcy Court, and that they were notified and informed of the completion and closure of the case by the courts.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

We refinanced with XXXX XXXX in XX/XX/2020 and our mortgage was sold to XXXX XXXX. We were not informed we would have to reestablish our monthly auto draft and we were almost late in making our mortgage payment for XX/XX/2020. It took two months to establish auto draft with XXXX. At the beginning of XX/XX/2020 we noticed our mortgage had not been auto drafted. We contacted XXXX only to find out that our mortgage had been sold to Flagstar Bank. We had NOT been informed our mortgage was sold and we had no way of knowing that our auto draft would not occur for XXXX. Now we have to go through the process again of reestablishing the auto draft. We have refinanced in the past with XXXX XXXX and XXXX XXXX XXXX XXXX and never encountered these issues. These are unsavory business practices and terrible customer service. I would never recommend XXXX XXXX, XXXX or Flagstar.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

i have a checking account with chase and yestarday i try to send a XXXX transfer and they cancel it and send me a message saying that is was cancel because they didint hear of me when they never call or send a text or email after that ther block my online acces and im been calling for help but they say that theres no way to help me because i dont have a social security number and after that they disconect the call or other tell me to go to a branch im in XXXX and for the moment i cant cross to USA and i need access to my money my mom needs a XXXX and all my money is in the bank
Consumer complaint received 2024-02-26
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. (NY)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. utilization is an experience created by credit usage. XXXX XXXX and Experian is reporting Utilization which is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX Experian and XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, Privacy Act of XXXX It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of utilization are accurate and my privacy has been violated due to XXXX Experian and XXXX violated my consumer rights by allowing utilization to report to my consumer report! See attachments below!!
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AR)

was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX {$650.00} XXXX   XXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOE/XXXX  XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

I make my American Express payments via electronic payments from my XXXX checking account and have done so for years. I received a Late Payment charge ( {$29.00} ) this month on XX/XX/XXXX. The payment was due on XX/XX/XXXX. 

XXXX 's records show ( attached proof.pdf ) the payment was XXXX on XX/XX/XXXX and Accepted by Payee ( AMEX ) on XX/XX/XXXX. AMEX did not post the payment to my account until XX/XX/XXXX. 
I contacted AMEX and they reversed the Late fee. 

I repeatedly contacted AMEX about concerns I have for future payments since it appears they have changed their processing schedule. They replied ( attached AMEX Reply.pdf ) by placing the blame on " third-party '' processor, namely XXXX. When I contacted XXXX, they stood by the Accepted date as the date AMEX received payment. XXXX could not ( as expected ) comment on why AMEX chose to not process the payment until after the Due date forcing a Late payment charge.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (CA)

ERC debt collectors have called and sent me a letter stating I have a debt amount of {$540.00}. On a recorded line they stated the account was opened in XXXX. Which I DoNot recall having any XXXX service in XXXX. I then became stressed and worried so I checked my XXXX credit account. On my XXXX report I show that I disputed this same company ERC from my credit report for an account opened in XXXX, for the amount of {$250.00}. However, the mobile company shown on my report states its T-Mobile. This account was disputed and deleted from all 3 credit bureaus in XXXX. Why am I still getting collection notices from ERC if the account has been removed when I filed a claim to dispute through XXXX and it has successfully been removed.
Consumer complaint received 2018-05-18
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX This is absolutely ridiculous!
Consumer complaint received 2020-09-27
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I received an email from my mortgage company on XX/XX/XXXX stating that they had not received payment for my XXXX mortgage. My wife and I confirmed with our bank that payment was made to the mortgage company on XX/XX/XXXX via bill pay in the amount of {$1300.00}. On the evening of XX/XX/XXXX, I sent via email that the payment was processed, the email included the confirmation number. After discussing the matter with representatives from the mortgage company on XX/XX/XXXX and again on XX/XX/XXXX, I also sent proof of payment via fax on XX/XX/XXXX. My phone calls and the documents I sent to my mortgage company initiated an opening of " payment reapplication task ''. On XX/XX/XXXX, I received notification via mail from our mortgage company that our XXXX payment is past due and that we have been charged a late fee of {$43.00}. On XX/XX/XXXX, I received a correspondence from the mortgage company explaining that my request had been reviewed and the following resolution was determined, " Please have homeowner check with their bank to see if the check that was sent has been cashed. We have checked the system and are not able to locate the funds or check '' and the correspondence went on to remind me that my payment was past due. The correspondence included only XXXX attachment, my Loan History Summary, which showed no payment for XXXX. After receiving this message, my wife and I reached out to our bank to confirm that our payment was sent electronically and that the mortgage company had NOT refused payment. We asked for additional proof from our bank and they provided the Payee Routing #, XXXX XXXX #, and File Trace # for the XXXX payment. As suggested by their representative, we passed this information via the Contact Us section of our online account with the mortgage company on XX/XX/XXXX and they sent an email confirming they received our inquiry. On XX/XX/XXXX, I received correspondence through the mail requesting that I contact my mortgage company to discuss options to avoid foreclosure and that a negative report may be sent to a credit reporting agency if I fail to pay. The same day I called the mortgage company for a fifth time since receiving the first email on XX/XX/XXXX. An automatic notification informed me that " the task has been completed '' referring to the payment reapplication task regarding the XX/XX/XXXX payment. The representative I talked with stated that, despite sending in proof from my bank on XXXX separate occasions, they do not have proof of our payment that my wife and are still delinquent on the XXXX mortgage payment. I asked to speak with someone from loan servicing and I was told that the only way to correspond with them would be through email. Feeling our mortgage company had been dismissive of the proof I provided and feeling that my credit is particularly under threat, I decided to submit this complaint.
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BBVA FINANCIAL CORPORATION (GA)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Georgia XXXX Loan Number : XXXX Re : Hardship/ Payoff XXXX XXXX XXXX XXXX XX/XX/XXXX &XX/XX/XXXXTo  whom it may concern : I would like to say first ; thank you for reading this letter. 

Im nearly XXXX years old and unemployed. I wanted to reach out to Management and explain my situation. Im divorced from the co-borrower, I have no children, and have been on XXXX for the past 11 years, basically, trying to make ends meet with my only 1 source of income now. 

Ive had to move in with a friend. I asked friends and family for help to pay off this car. However, due to the COVID-19 virus, as we know, people are losing their jobs daily. The maximum I can get from friends/family is {$3000.00} ... 

If agreed, kindly mail me an agreed pay-off letter to the address above ( XXXX XXXX ) and I will have a Cashiers Check to be sent to you immediately, then my title for the car to proceed thereafter. 

Im humbly begging, pleading with BBVA/Compass Bank to accept a settlement of {$3000.00} to settle this car. 

I received a call from XXXX on XX/XX/XXXX. She lied to me and stated we dont do settlements, but I can give you some other options. I advised her prior to my sickness, I was a XXXX XXXX and XXXX and Im quite familiar with what can and can not be done. I also advised her I was going to file a complaint and reach out to the Corporate office directly. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has consistently been charging me over draft and late fees on everything refused to refund it, money was there, and the way they do their transactions pulling makes me go into late fees, i tried to contact them they refuse to help me. My other banks don't charge me multiple late fees.