davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

Continued calls with a message that says they are from the " Legal Verification Department ''. They state in the message that legal papers will be filed this afternoon. I have spoken with them and said that the debt is 17 years old. 
The phone numbers that they left me are XXXX and they called from XXXX. I have been receiving these phone calls at home, cell and now they have called my workplace. 
The debt has been discharged and no longer appears on my credit report but they keep calling. 
This is harrassment. When I have told them not to call me that use profanity and get abusive.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (CA)

I mailed out a debt validation letter to flagship credit acceptance on XX/XX/2021 requesting for them to validate the alleged account ending in XXXX. They responded by sending a letter as of XX/XX/2021 advising that I am responsible for the alleged loan. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. Also included in the letter was the paperwork for the alleged loan which list me as a borrower and pursuant to the Truth In Lending Act I am a consumer and not a borrower as bank can only borrow money. Pursuant to 15 USC 1692j this is a deceptive form because I entered into a consumer credit transaction w Flagship which no cash what is supposed to be excepted by the lender. Flag ship is in violation of 15 US C 1605. A finance charge is the sum of our charges in a consumer credit transaction and it does not include cash. Flagship in fact took cash as shown in the attached labeled exhibit. I have found 24 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. Flag ship is in violation of 15 US C 1611. Flagship willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to flagship as well.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I contacted XXXX XXXX XXXX XXXX on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX and was advised that all information must come from the creditor not from me. On that same night, I contacted XXXX and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, Navient.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NV)

On Friday, XX/XX/2023, I was working in XXXX, XXXX  at my job when XXXX unauthorized ATM withdrawals were done on my account. The transactions originated from a place called XXXX, XXXX  at an ATM on XXXX XXXX XXXX, a place I have never in my life been to. XXXX ATM withdrawal was for {$140.00} and the other was for {$100.00}, both done at XXXX XXXX  in the same location. I got the notifications of the withdrawals and immediately went into the break room to dispute the transactions and cancel my card, as I had never lost my debit card or given anyone use of it, or the numbers. I have also never written my card or pin number down anywhere, so this was very concerning to me but I was sure the bank would help me. I filed the dispute and a few days later the bank came back and told me that there " was no error upon their investigation. '' I immediately tried to get in contact with them again to speak with a manager for further help, because this was wrong. They proceeded to tell me there is no manager available to speak to or phone number for me to call, I am stuck having to speak with them over chat. One representative told me to file a police report which i bave never heard of in a situation like this. One representative told me to email the dispute team, and that they would give me all the information that they got during their " investigation '' which led them to this conclusion. I have emailed the dispute team twice in the last week, and although their automated response says they will respond in XXXX hours, I have yet to hear back and it has been days. I don't know where to go from here but I need my funds back. Don't use Current!
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NJ)

I took out a 24 month promotional offer with XXXX COMENITY BANK card. The terms stipulated no interest for 24 months if balance paid in full. My last payment ( as per the payment page on their website ) was due on XX/XX/2020 or XXXX . I paid the XXXX $ on the due date of XX/XX/XXXX and the statement balance was then at XXXX . This month I received notification that my account balance was now XXXX . Apparently, the promotional period was due on XX/XX/XXXX and not XX/XX/XXXX ( which was the ONLY listed payment due date on their website ). The account statement does say " DUE on the XXXX to avoid finance fees ), however, I am enrolled in paperless and was following the information posted on their website and not the actual statement. They are very misleading with their information because nowhere in their website payment page does it explicitly tell you to make a payment by the XXXX. I called and they said they can not do anything. So I now have to pay back XXXX $ because the interest is 29 %. The only thing they could do for me was to lower the interest to 10 % for 12 months. They are scamming customers by not providing the information on the PAYMENT Page!!
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Incomm Holdings Inc. (MS)

Received 3 unsolicited debit cards from XXXX Direct. Call the phone numbers to ask why and just get routed to electronic service to activate the cards. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card.
Consumer complaint received 2018-09-30
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. (AZ)

My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.
Consumer complaint received 2016-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!
Consumer complaint received 2021-04-06
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: CCS Financial Services, Inc. (PA)

My records associated with the account CREDIT COLLECTION SERVICES with account number XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to CREDIT COLLECTION SERVICES but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2018-09-30
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: CITIBANK, N.A. (NY)

An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have an invalid charge on a Major Credit Card with the following institution ; Citi. A Record of the charge is listed below and receipt for the charge is attached. Also attached is an entire history of this fraudulent transaction as well as a local police report, request for documentation by XXXX  Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation this institution has refused to honor the Fraud Claim, a letter from the institution is attached.
Consumer complaint received 2018-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (PA)

I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from XXXX XXXX XXXX XXXX XXXX, stating that they have been hired by Chase Bank XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC XXXX XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. XXXX has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to Chase Bank USA N.A., what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a full time member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe XXXX should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.
Consumer complaint received 2021-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

FTC filed CAPITAL ONE AUTO FINANCE debt is no obligation of my and was the result of identity theft. Stop falsely reporting this to XXXX. This account have already been removed from XXXX and XXXX. This is a violation of my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

First off, this is a complaint from the actual consumer & not a third party This credit card was paid off by me in XXXX but Experian keeps reporting this as a negative account & if the account has been paid off then the negative payment information needs to be deleted altogether per the FCRA. The creditor has also reported the incorrect balance while Experian has deleted all positive payment history from this account. In addition, the bureau also still hasnt deleted my old addresses & name variations after I sent this information to them. Ive also asked for an investigation per section 611 of the FCRA to how theyre still allowing incorrect information to be reported & they continue to ignore & act as if my disputes arent clear. If any of this information isnt updated or if this complaint gets tosssd again I will be contacting my attorney Im not asking for another dispute, I want to know how you all are continuing to verify inaccurate information on my credit report. Ive sent several other complaints that have been ignored by your company & need you all to actually do your job
Consumer complaint received 2022-08-12
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. (FL)

Dated on XX/XX/2022 CFPB complaint ID XXXX TransUnion LLC stated on your credit file. Below includes the results of that investigation. XXXX XXXXVERIFIED AS REPORTED AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX XXXX Consumer, Have made several attempts to remind TransUnion LLC as a Consumer Reporting Agency duty pursuant 15 US Code 1681. It appears TransUnion LLC are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law.

I am making this CFPB complaint as another attempt to have these errors corrected on my Consumer Report. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. You can see in your system that this account XXXX XXXX # XXXX was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. I AM DEMANDING DELETION OF THE MENTIONED ABOVE ACCOUNT Expeditiously with PREJUDICE! TransUnion LLC known for violating FCRA 1681e ( b ) SEE TransUnion LLC v. Ramirez
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Have equity line of credit account ( $ XXXX ) with Citizens linked to a checking account that exists only to support the HELOC. 

Annual fee on HELOC was paid automatically out of checking account and triggered a minor overdraft ( {$20.00} ). Citizens sent out e-mail notice XX/XX/XXXX ( a Saturday ) notifying me about overdraft and suggesting I have until XX/XX/XXXX ( Monday ) at XXXX to make an eligible deposit or transfer. I transferred funds the same day online ( XX/XX/XXXX ) as suggested to balance the account. I did not receive any further communication since and assumed the matter was taken care of. 

On XX/XX/XXXX, I noticed that Citizens had charged me {$35.00} on XX/XX/XXXX in overdraft fees, another {$30.00} on XX/XX/XXXX and yet another {$30.00} on XX/XX/XXXX. 

I called the bank the same day asking to reverse the fees in their entirety, which they declined. {$95.00} in fees for a {$20.00} overdraft is not in a reasonable proportion, especially given that I followed their recommended solution.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (MS)

I have been working on paying off any bad debts that are linked to my credit report. I have paid alot of money, and then I get a {$6300.00} collections reported on my credit report. I had no contact with anyone regarding it. I researched the company Radius Global Solutions LLC, and found they are not licensed in my state ( XXXX ). Not only that, but my credit report shows the original creditor is XXXX. My entire bill was ( so I thought ) waived and ended phone service free of charge due to being XXXX, and the months leading to XXXX. I had no knowledge of this debt, nor was I contacted. The collections agency is not licensed in my state. My old XXXX account that I had around the time I was XXXX was waived free of charge ( so I thought ) so this collection in inaccurate. It is currently preventing me and my family from buying a home. We have paid XXXX  of dollars in debt and then get hit out of nowhere with this. If I have been mistaken, I do not know what went wrong, or where. Not only this, but due to covid and many other big life events occuring, we fell behind on many things. We have paid nearly all bad debt that was still affecting us.
Consumer complaint received 2023-03-23
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 I noticed a pending charge on my Amex credit card for the amount of {$60.00}. I disputed this charge with American Express as it posted several days later. American Express eventually closed the dispute without resolution. They said the card was used in person with no other details given. The charge was processed through a payment processing company called XXXX, and the name of the company accepting credit is a XXXX company called XXXX XXXX XXXX. 
I re-opened the dispute and have waited another 2 months for a resolution. The last 2 times I called Amex I was on the phone an hour each time, but the reps eventually hung up on me.
Consumer complaint received 2018-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCA Financial Services, Inc. (NV)

At the time of this debt I was/am a XXXX XXXX, only working XXXX XXXX. The XXXX XXXX XXXX XXXXXXXX XXXX bill was almost {$2000.00}. I called the hospital, spoke to XXXX XXXX, told him I could not afford to pay all at once. He said to pay just what I could. I also called the number on the hospital bill after speaking with him, and they told me at that time he did not work there anymore, but I could ask for help with the bill by filling out the charities form that I could get online on their Web site, which I did, and I mailed it Certified Mail, and received back the signature card from the post office that they received it [ I have copies of proof of mailing and receipt ]. I sent in everything they asked for. I waited a few months, did not hear anything, called back. It was at this time I was told they didn't receive it. I have proof they received it. My parents then said they would help me by paying the hospital {$20.00} a month on autopay from their checking account. I also have proof of their payments over the last six months. The last bill I received from the hospital said if payment has been made to disregard this notice, so I knew my parents were paying monthly on the account, so I disregarded that notice since a monthly payment was being made. The next correspondence I received just yesterday is from a collection agency. I have been making a good faith attempt to slowly pay off this debt and they sent me to a collection agency anyway. The starting bill was {$1900.00}, the bill from the collection agency shows the balance as {$1800.00}. These are the payments made : XX/XX/18 - paid {$25.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00}. There was a scheduled autopay check that was to continue going out monthly until it was paid off, but now I have received this collections letter, which means the hospital sold this invoice to BCA Financial Services and it is out of the hands of the hospital. This is wrong and should be investigated.
Consumer complaint received 2024-03-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MN)

I lost my Comenity Capital Bank XXXX XXXX credit card : XXXX and someone made fraudulent and unauthorized charges and transactions on my XXXX  XXXX credit card. Theres over {$600.00} to {$900.00} in fraudulent transactions on my XXXX  XXXX credit card. I didnt make the transactions. The transactions are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX