davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NC)

XXXX Receivables XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, has been sending me collection notices for {$1600.00}, the collection has been as reported pass due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I never did any business with the original creditors where the claim the debt came from. Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( XXXX ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2022-01-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

This was a commercial XXXX XXXX ( {$700000.00} ) that was not handled properly. Through no fault of my own, the transaction failed to complete. Contract was dated XX/XX/XXXX. Failed on XX/XX/XXXX. 

Please find multiple attachments of the history and repeated efforts to resolve this with the parties involved. 

Thank you for assistance and attention to this life changing catastrophe.
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, XXXX, Transunion XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA XXXX has violated my rights as Consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (WA)

Our home loan has been with XXXX XXXX XXXX for a few years. In XXXX of this year, servicing was transferred to Dovenmuehle Mortgage , Inc ( MDI ). However, XXXX XXXX XXXX claimed that we missed a payment so the loan was transferred over as being 1 month late. I have several letters and e-mails from XXXX XXXX XXXX showing where they made the mistake. However, MDI have yet to make the correction in their records and continue to call and send letters threatening collection. I have a letter included in this complaint from the VP, Senior Compliance Officer XXXX XXXX from XXXX XXXX XXXX acknowledging the error and explaining how it is being corrected. I was told that I could expect MDI 's systems to reflect the corrections by XX/XX/XXXX. XX/XX/XXXX has come and gone and the only thing I have is a note from my in laws saying that the collections department of MDI called them to ask for the overdue payment. 

This is a follow on from the complaint I filed about the XXXX XXXX XXXX : Complaint filed with the CFPB ( Ref No. XXXX ) which detailed the mistakes XXXX XXXX XXXX made in applying my payments and the lack of ability of their customer service team, save XXXX XXXX who has been great, to make the corrections since the issue was first noticed back in late XXXX of 2021.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NC)

i have been dealing with this problem for quiet some time this company has been trying to scare me into making a balance that is false i have prove that sevral times but they refuse to fix or assist me with this situation from what i understand if something is not done right and accurately it has to be removed this company has bought my credit score down 3 different times because their not accurate about the things they are reporting to the credit reporters XXXX XXXX that works for national credit systeem gave me a call saying that he was a lawyer trying to demand a payment and i told him im not paying for anything that im not responsible for so he got very nasty i ask him to speak with someone else he stated that was his firm and he dosent have to let me speak to anyone then when i told him im not paying for what im not responsible for he stated he was going to give it to their attorney but he stated it this was his firm i have spoke with him many times befor befor this even went on my credit so im know who he is a very XXXX smart individual that try to use abuse his power however this call took place on XX/XX/year> at around XXXX I have received paper from lawyer trying to demand a payment but again I'm not paying what I'm not responsible for a lot of my rights has been violated with this company from day 1 and their is many fcra violations broken and I was also to by XXXX XXXX tht I don't have to keep disputing it but its my right to dispute false information
Consumer complaint received 2022-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (TX)

I learned about my poor credit in XXXX or XXXX. I began my credit repair journey by hiring a credit repair company, XXXX. After a few months of using their service, I realized I could no longer afford to pay their fees and discontinued their services. In XXXX, I learned that I could work on repairing my credit myself and have been working diligently to do so. 

However, the credit reporting company LVNV Funding has made my journey a bit difficult. In XXXX of XXXX, I sent my first letter to LVNV Funding asking for validation of my debt as made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In XXXX of XXXX, I received a letter back stating that " information responsive to this matter has been previously sent '' and that they " will not continue to respond to duplicative requests without additional information. '' As I have not received any correspondence directly from them to my current address, besides this letter, I am not sure what information I need to send to them to provide the additional context they are needing from me. 

In XX/XX/XXXX, I sent another letter requesting validation of the debt and received a copy of the first letter in XX/XX/XXXX. At this point, I am attempting to resolve this bad debt in good faith, but have not been able to validate that this debt is indeed mine. I have attached all correspondence between LVNV Funding and myself for your review.
Consumer complaint received 2019-05-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OK)

This matter is complicated. I used XXXX XXXX  ( Now First Investors ) as a refinance bank to pay off XXXX XXXX, and thus XXXX XXXX   became my new lender and lien holder on my non negotiable title in Oklahoma. 

The problem is that XXXX ( First Investors ) failed to fill out proper paperwork with the OTC to have XXXX XXXX removed, while they added themselves ( XXXX XXXX ). What is also horrible is that XXXX XXXX claimed to have sent XXXX a lien release when XXXX Paid them off ( XXXX XXXX ) on XX/XX/XXXX. I have issued separate complaints for both lenders through the CFPB. 

Now I have two lien holders on my title when actually, both ( XXXX and XXXX ) should have been removed once the vehicle was paid off on both of their ends. XXXX was paid off in XX/XX/XXXX, and XXXX XXXX  ( who transferred their auto loans to First Investors ) was paid off in XXXX of XXXX. I am unable to receive a clear title, free of liens because these two lenders refuse to process the proper paper work. 

How can you pay off a vehicle and still have lienholders on your title? Oklahoma is not a title holding state and they do provide your title with lienholder if you still have a balance on your loans. The lien holders are responsible for clearing this up with the OTC ( Oklahoma Tax Commission ). Please investigate this complaint and advise XXXX and XXXX to comply with Oklahoma law and remove themselves from my title. 

XXXX ( First Investors ) also needs to forward SIGNED and valid lien releases from themselves, and XXXX who sent to them after the XX/XX/XXXX payoff. 

XXXX should not be listed as a lien holder since they were paid off in XXXX, and this is considered FRAUD! First Investors isn't even listed on my title. They never submitted anything to the Oklahoma Tax Commission removing XXXX and XXXX from my title. Aren't First Investors a loan Servicing company, yet they have not done their job, according to the Oklahoma Tax Commission and this is also fraud and deceptive business practices. They provide me with an UNSIGNED lien release, which is also fraud. Why are the lien releases unsigned? Why did they send me unsigned lien releases which was rejected by the local tag agency? This is ridiculous.
Consumer complaint received 2022-10-06
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. (TN)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into SPS to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Our mortgage credit reporting is missing most of the dollar payment amounts and is only showing three ( 3 ) of the eleven ( 11 ) payments ( see attached ). This is also being confirmed at the other two credit reporting bureaus and what we were told the last time we tried to Refinance. We have made eleven consecutive payments to our mortgage company and they seem to refuse to post the dollar payment amount for each month the payment was made to the Credit Bureaus.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened my account excited on XX/XX/2020 a month before the pandemic, on the following thats when the covid 19 pandemic hit and I was released from work I did my best to make my payments on time and i did on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and last month where I was struggling to make payments on XX/XX/2020 to capital one. 

I communicated with the company several times and they said they couldn't help me and to try calling again and every time I did the call would be very very hard to get through because it seemed they where getting an overwhelming amount of calls probably because of the same issue. 

I made 7 consecutive payments on time until the financial hardship caused by covid 19 it really made it incredibly impossible and its a little embarrassing because the payments weren't much but my income was even smaller. 

The company ( capital one ) then charged off the account and this something that haunts till this day. 

I have a job now, and I am back on my feet again making great money and being responsible and doing my very best to continuing to advance and however this is really affect me what I can do can with my life and it affects me me not just my self esteem but in real life everything is harder and I know that this isn't who my situation any more
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

BANK OF AMERICA; PXXXX XXXX XXXX XXXX FL  XXXX
XXXX XXXX

BANK OF AMERICA CLOSED MY ACCOUNT WITH NO EXPLANATION, I RECENTLY LOOKED INTO MY XXXX XXXX AND SEEN THAT THEY HAVE FRAUD LISTED ON MHY ACCOUNT.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CA)

XXXX. Was stolen by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, pa m and t bank Please file police report and recover or credit account. 
Please recover!! 
Complaint must be mailed to corporate headquarters!! Of m and t bank. In XXXX new York. 
XXXX XXXX XXXX XXXX My current bank is XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (VA)

A Discover Bank new account set-up was requested by a fraudster. I did Not apply for this Discover Bank account. Discover Bank informed of this attempted for this new account set-up via their letter dated XX/XX/22. Discover Bank was did not set-up this new account as Discover Bank was unable to verify my information.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION (FL)

SunCoast local branch : went there to reopen account which they ( XX/XX/10 approximately ) had closed to no activity. Agent required me to send bank XXXX XXXX XXXX to XXXX # for approval. This all seemed very strange, but I did it. I receive a letter back that stated I was denied {$25000.00}. vehicle loan for lack of paperwork or something. The {$15.00}, credit line was reopened. I NEVER ASKED OR MENTIONED A VEHICLE LOAN. These 2 agents did something behind my back. I want this removed from my CREDIT REPORT as well. I am getting notice that my credit score is going down. Please take care of this with SunCoast ; they do not respond to me. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2022-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United Revenue Corporation (TX)

XXXX has repeatedly denied my dispute requests and refused to open disputes via online and certified mail submissions. This is regarding accounts : * UNITED REVENUE CORP XXXX {$1600.00} original XXXX  XXXX XXXX which was paid by XXXX XXXX on XX/XX/21. 
XXXX XXXX XXXX CO XXXX Original UT XXXX {$82.00} *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX demand deletion of these accounts as I requested dispute and they have not coooperated.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

I am experiencing identity theft and monitor my credit closely. I received notice that an account closed, upon review it was closed based on credit information that is currently affected by identity theft. Consumer contacted the company and explained the situation. Consumer asked for the company to add a remark onto all credit bureaus indicated consumer notified them that they are experiencing identity theft but this company still chooses to decline reconsideration. The company asked consumer to reapply once credit issues get resolved. Why, would I want to work with a company that has zero compassion for a person who has been a loyal consumer for over 10 years. And zero consideration to put the account on pause or freeze it. They had no other solutions but to maintain there current stance of closing account based on inaccurate information. The card company is with Best Buy Store card. So please be wary if you do get this card and experience the misfortune of identity theft because they will close your account and not care about the victimization of identity theft. I will never buy a product or ever apply for credit through this card company in my lifetime.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2021-03-10
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. (NY)

Dear CFPB I am writing to dispute the following information on my file. 
The inquiries below were not requested by me nor have I applied for credit. 
XXXX CARD XX/XX/XXXX, XXXX  CARD XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX. 
Collections : Reason : The accounts made or posted on my Credit Report are fraudulent. I do not recognize these creditors or collectors and I have not conducted business with them in any way. 
XXXX XXXX. XXXX. Account # XXXX XXXX XXXX XXXX. ( XXXX ) Acc # XXXX The accounts below do not belong to me and I do not recognize them. 
XXXX  XXXX XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX These Addresses do not belong to me and are inaccurate : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX All this information was review and not resolved on XX/XX/XXXX 2021