davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I am in the process of changing my name because I was recently married. When I changed my name with the social security XXXX earlier today, they recommended that I get a credit report so that I had a complete list of all of my creditors so they can be notified of my new name. When I saw my credit report, I saw an overdue account that had caused significant negative credit effects, and found out that my Bloomingdales credit card had been fraudulently used on XXXX XXXX, 2016. Apparently this was an online purchase of Lancome makeup ( which I do n't wear ), and which I did not make or authorize anyone else to make. When I called to complain about this, I was also told that my account had been closed in XXXX 2016 and a new XXXX opened shortly thereafter. I neither closed nor opened any Bloomingdales accounts during that time frame, and the opening/closing and XXXX XXXX charge are all fraudulent, unauthorized actions.
Consumer complaint received 2022-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo Home Mortgage said I was behind on my loan for 6 months and when file for bankruptcy XX/XX/XXXX they should have given all information need to bring loan current amount they given was {$4500.00} to be paid through bankruptcy. I paid Well Fargo payments XX/XX/XXXX - {$470.00}, XXXX/XXXX/XXXX - {$470.00}, XX/XX/XXXX - {$470.00}, XX/XX/XXXX - {$250.00}, XX/XX/XXXX - {$220.00}, XX/XX/XXXX - {$480.00}, XX/XX/XXXX - {$24.00}, XX/XX/XXXX - {$21.00}, XX/XX/XXXX - {$400.00}. 
XXXX XXXX XXXX XXXX first payment was on XX/XX/XXXX - {$80.00} second payment was on payment on XX/XX/XXXX - {$480.00} and continue payments. 
Well Fargo said they did not receive payment from me during that period, I have my bank statements to show I did. Well Fargo is part of the organization with XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX law firm all have had a role in deceiving me with my loan with XXXX. They paid {$4500.00} but did not put payment complete on website
Consumer complaint received 2015-09-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION (OH)

I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Clarity Services (GA)

Clarity Services , Inc., a credit reporting agency has on more than one occasion requested my credit file from XXXX on behalf of Payday Loan companies without my knowledge. I wrote Clarity and requested that they stop this practice. Their response was disturbing ; they stated that they resell XXXX data, and that they need additional data from me such as SSN and a copy of my drivers license. NOT GOING TO HAPPEN!
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXXXXXX.According the law any Lien which has incorrect information must be deleted ASAP.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap BANK OF AMERICA Date of Open : XX/XX/2013 Account Number : XXXX
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

I applied the American Express Platinum card and paid {$450.00} annual fees with XXXX points bonus reward after I spending {$3000.00} or more within 3 months. I did spend about {$3000.00} in XXXX and got XXXX bonus reward. In addition, I spent another {$160.00} in travel and American Express credited during 3 months period these money back to account so the total purchase was still about {$3000.00}. However on XXXX XXXX, 2016 they took away my XXXX bonus points which they called " Point Adjustment ''. I chat with American Express online on same date and he and his supervisor told me they subtract the money which I got credit so the amount was below {$3000.00}. I explained to them American Express already subtract this money which was additional purchase nothing to do with my total purchase {$3000.00}. They acknowledged that I am correct and gave me the XXXX which is American Express Reward team. On XXXX/XXXX/16 I called Reward center around XXXX AM and the person I talked with put me on hold and looked over my information and came back told me he did know see anything in my case they should not take away my bonus reward and he also said this in unusual case and opened the case for me.and told me that someone from American Express will call me in 2-3 days. I was waiting but no phone call. On Wednesday XXXX I called back and asking what happen and why nobody contacts me. She told me it seems they have big issues with these cases so it would take a while and filed the complaint to headquarter for me and gave the case number and assured me someone will call. Today I still do not hear anything from them.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I made a payment on XXXX XXXX and I can prove it. 
Citibank failed to process my payment until XXXX XXXX and then charged me a {$37.00} late fee. I called Citibank to get them to reverse the charges and they refused. This exemplifies the unethical tactics of the banking industry.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

BANK OF AMERICA Account type - Credit card Date opened - XX/XX/year> Above Account created under BANK OF AMERICA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-09-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I filed a lawsuit against XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX I have attempted to settle dispute, have not heard anything about my offer. XXXX XXXX XXXX XXXX and Trustee of XXXX both have the same location to be reached by mail address is XXXX XXXX XXXX XXXX, XXXX, XXXX, California XXXX. 
XXXX. Need address and location to serve civil summon and complaint of court documents to XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX, for civil case from me the plaintiff in this case. XXXX. Need their legal representation information of who to contact about my civil summons, name of person, name of law firm, and direct phone number to reach that person and them. XXXX. All communications should be address to me the homeowner of the property ( no one else ) I am representing myself in this civil case # XXXX.
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I got a New car from the XXXX dealership. I had a lease that I turned in at the same time ( did a trade in ). Everything went well and I made my payments like usual. On XX/XX/XXXX I noticed that my credit score went down abruptly, when I Investigated I noticed that I had a late payment with XXXX LT which I have financed my cars for the last 6 years. I inquire with them and they explained that the payment was misapplied to the old lease and not to the new one. My credit score went up and I let matters alone. Now XX/XX/XXXX I am trying to re-finance my property and I am unable to do so since a late payment is showing on my credit report. I should not be hit for a mistake I did not commit, I have made all my payments on time and this should not be my responsibility.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (WA)

My mortgage was transferred from XXXX XXXX to PHH Mortgage effective XXXX XXXX 2016. 
In the Notification of transfer I was instructed to make my next payment to PHH in the amount of {$1800.00} which I did. PHH applied the payment to principal XX/XX/XXXX. XX/XX/XXXX, I checked my account online to find my monthly payment due XXXX/XXXX/16 was {$1900.00}. I never received an invoice or bill explaining why I was instructed to pay the lesser amount and that I needed to cover the difference by XXXX/XXXX/16. I contacted PHH today XXXX/XXXX/16 they said I could pay the difference over the phone but I am away from home on business and do not have my routing number available to make the funds transfer. I am afraid by the time this gets settled my payment will be late and that will effect my credit score.
Consumer complaint received 2016-02-09
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (WA)

Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. 
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. 
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. 
XXXX XXXX, XXXX XXXX. 
XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments. Please conduct a thorough investigation and take the appropriate measures. I insist that the accounts in question rectify this error by removing the late payment remark and updating it to reflect timely payments.
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Open Dealer Exchange, LLC (CA)

0n XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car Dad. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : 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 methods undermine the public confidence which is essential to the continued functioning of the banking system.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX  XXXX dollars in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
DONE IN GOOD FAITH ALL RIGHTS RESERVED
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Commenity Bank is charging interest on a late charge on my XXXX XXXX XXXX Credit Card that I should not have had assessed on my account. I have been working with them to resolve late payment posting issues. In XXXX they reversed my late charge, but the call center representative did not have the authority to reverse the interest that was charged on the late charge. So on XXXX I paid {$1.00} in interest as the representative could not correct this for me and I didn't want such a small amount to affect my credit report. I have made NO PURCHASES on this card since the late fee was assessed and the account has a {$0.00} balance, but I received a statement in the mail today for a {$2.00} balance for " minimum interest charge '' on the transaction I paid of interest on the late fee I should not have been charged. I believe their credit practices and they way they post payments and assess fees and interest are unfair and abusive in regards to the consumer. 

I would also like to reference CFPB complaint - XXXX They did not resolve my complaint, or answer my questions about posting. They blamed me as the consumer for not posting my payment on time and referred my to their account agreement.
Consumer complaint received 2015-06-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (IL)

HelloMy name is XXXX XXXX and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, XXXX this past XXXX. When I purchased the car I put {$600.00} down and I was financed by Credit Acceptance which is located in XXXX, XXXX. I agreed to pay {$250.00} every month and I gave them XXXX references with all there contact information. I recently had a family emergency and I had to fly to XXXX, I was only there for XXXX days and when I came back I received a call from XXXX XXXX telling me to come to his office because my license plates arrived. This was about XXXX weeks ago and he put my plates on himself but a XXXX later my car was repoed without warning! I never received a phone call or an email neither have any of my references that I left for them. When I called them they told me that the automatic payment system they put me on was blocked by my prepaid card? I normally call to make my payments anyways but with all that I had going on I really wish I would have received a phone call or warning before it was repoed. Now when I called Credit Acceptance they told me my car was moved to XXXX, XXXX which is about XXXX miles away from where I live. After trying to make sense of everything with them over the phone it was obvious that I am dealing with greedy morally incorrect XXXX who did n't care about my issue. However they did tell me if I paid the repo fee and my week behind payment I could pick my car up today in XXXX. After paying them a total of {$540.00} the lady then told me my car was not in XXXX, XXXX but it was moved to XXXX, XXXX! I have been pushed around enough and lied to I am an XXXX Veteran and to be treated like this is very disrespectful and hurtful! My neighbors all saw the man repo my car and saw me try to reason with him because I thought it was a mistake! I am very embarrassed about the whole situation and I just want my car back so I can get to work. According to them I can pick up my car Monday in XXXX, XXXX, I will be taking a train and walking the rest of the way hopefully they will be honest about XXXX thing through this whole ordeal. I am not sure if there are any laws against what they have done if not I would just like the world to know how heartless they are and how they treated this Veteran! My phone number is XXXX, my email address is XXXXXXXXXXXX, Credit Acceptance 's number is XXXX. 
Thank you for you time!
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

Hi CFPB and Citi Bank Compliant office, I have a citi bank credit card with a credit balance of {$150.00}. I requested bank to deposit the amount to my checking account or send me a check to my address. 
I called citi bank customer care several time ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and online remote agents failed to provide any solution to this problem. Citi online agents said they are investigating and providing me no solution.
Consumer complaint received 2017-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (FL)

This. company Medical Data Systems appears on my credit report for {$2400.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Consumer complaint received 2015-09-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC (SC)

I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possible.
Consumer complaint received 2020-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

From XXXX, a company called Phoenix Financial Services submitted a collections notice on my credit report. I have no knowledge of this company or why they think I owe them anything. I disputed the collection attempt, but somehow it came back as verified debt. By whom? This is not a debt for me. I have no knowledge of them, or any reason as to why they are trying say I owe them anything.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Northstar Location Services, LLC (NY)

Source XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Florida Balance date XXXX XXXX, XXXX - {$600.00} Last year of XX/XX/XXXX I was a victim of identity theft - Ive had made a dispute with the other Credit bureaus and still havent received a call or email or follow up about it My biological mom and her second husband were the ones who misused my information Ive went to our police station XX/XX/XXXX and have reported the crime.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (SD)

I was reviewing my credit report to see where I stand on my attempts of home ownership and I see two delinquent entries made by LVNV. I attempted to find their address in Nevada and found them in South Carolina under the name Resurgent Capitol.

LVNV is a third party debt collector but I fail to see why are their so many names attached to my two entries and I am disputing the validation of the companies themselves. 
I feel there are some illegal debt collection activities here and asking on a debt collector license and if they are legal in South Dakota to collect any debt.